Estate planning at SDCCU
How to protect 18 SDCCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
SDCCU, P.O. Box 269040, San Diego, CA 92196-9040
SDCCU, P.O. Box 269040, San Diego, CA 92196-9040
Death Claims
San Diego County Credit Union, Attn: Deposits, P.O. Box 269040, San Diego, CA 92196-9040
How your SDCCU accounts transfer at death depends on how each one is set up. As a membership-based credit union, SDCCU serves Southern California: Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, and Ventura counties. 39 branches across San Diego, Riverside, and Orange counties. Members outside the region may join through the Financial Fitness Association for $8. With 18 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
SDCCU handles beneficiary designations in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
SDCCU has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 18 account types at SDCCU.
View details →When someone dies
Death claim process
5-step process, 6 required documents, and contact information for survivors.
View details →SDCCU operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
SDCCU members access Legal Karma through Internet Branch online banking on a desktop or laptop (not available via mobile app). The process has four steps: (1) log into Internet Branch and navigate to the estate planning tab; (2) complete a 2-3 minute quiz to identify the best-fit plan; (3) complete a guided, self-paced questionnaire; and (4) receive your personalized estate plan within 10 business days, then sign and notarize the documents at your convenience. Available packages include Single Will, Couples Will, Single Revocable Living Trust, and Joint Revocable Living Trust. Each package includes supporting documents such as powers of attorney, HIPAA authorization, living wills, and guardianship declarations. Two complimentary editing rounds are included before finalization. Post-finalization changes incur fees. For assistance, contact Legal Karma at (858) 465-5481.
No. SDCCU does not operate a trust department or act as corporate trustee. SDCCU can hold deposit accounts titled in the name of your revocable living trust, but you must appoint your own individual or corporate trustee. SDCCU partners with Legal Karma for trust document preparation. Investment accounts through LPL Financial have separate trust account processes managed by your financial advisor.
SDCCU Member Services is available Monday through Thursday 8:00 AM to 5:00 PM PT, Friday 8:00 AM to 6:00 PM PT, and Saturday 9:00 AM to 4:00 PM PT. Call (877) 732-2848 (toll-free) or (858) 453-2112 (international). Branch hours may vary by location. You can also send secure messages through Internet Branch online banking.
Sources
Data sourced from SDCCU primary sources (17 pages reviewed). How we research.
SDCCU, P.O. Box 269040, San Diego, CA 92196-9040
SDCCU, P.O. Box 269040, San Diego, CA 92196-9040
Death Claims
San Diego County Credit Union, Attn: Deposits, P.O. Box 269040, San Diego, CA 92196-9040
Estate planning articles
Learn how to protect your SDCCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
