How to name beneficiaries and fund a trust at Rogue Credit Union
Covers 8 deposit, 2 retirement, and 3 lending accounts — beneficiaries must be updated in-branch
Rogue Credit Union, P.O. Box 4550, Medford, OR 97501
Member Support (no separate estate department; branches handle deceased-member accounts)
Rogue Credit Union, P.O. Box 4550, Medford, OR 97501
Estate planning at Rogue Credit Union means getting each account set up so it transfers automatically when you die—either through a POD beneficiary or trust ownership. Because Rogue Credit Union is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Without one of these in place, accounts may require probate before your family can access the funds.
With 13 product types, Rogue Credit Union offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
- For deposit accounts: request POD (Payable on Death) designation with beneficiary full legal name, date of birth, Social Security number, and relationship
- For IRA accounts: complete the IRA Beneficiary Designation form with primary and contingent beneficiary sections
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Section 4 of the Consumer Membership and Account Agreement ties the POD designation to the POD card: funds are payable to the owners during their lifetime and, upon the death of the last joint owner, to any named and surviving POD beneficiary designated on the POD card. Keep the POD card current - the card, not a will, controls the account
- If more than one POD payee is named, each receives an equal share unless otherwise designated, and the payees hold with right of survivorship unless otherwise designated
- IRA accounts are governed by a separate beneficiary designation, not the POD card (Agreement Section 4)
- Section 25 (Special Account Instructions) requires that any change to account ownership be requested on a Signature Card and accepted by the credit union
- Rogue is under no obligation to notify a POD beneficiary that an account exists or that their interest has vested (Agreement Section 4) - tell your beneficiaries yourself, or record the accounts in a letter of instruction
- Naming a trust as the POD payee requires a copy of the Certification of Trust
Sources
Data sourced from Rogue Credit Union primary sources (19 pages reviewed). How we research.
Download these Rogue Credit Union instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Rogue Credit Union primary sources. Bring it to the branch or keep it beside the phone.
Rogue Credit Union, P.O. Box 4550, Medford, OR 97501
Member Support (no separate estate department; branches handle deceased-member accounts)
Rogue Credit Union, P.O. Box 4550, Medford, OR 97501
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