How to name beneficiaries and fund a trust at SDCCU
Covers 13 deposit, 3 retirement, and 2 investment accounts — beneficiaries must be updated in-branch
Phone1-858-453-2112
Toll-Free1-877-732-2848
Mailing Address
SDCCU, P.O. Box 269040, San Diego, CA 92196-9040
WebsiteLearn more→
Phone1-858-453-2112
Toll-Free1-877-732-2848
Mailing Address
SDCCU, P.O. Box 269040, San Diego, CA 92196-9040
WebsiteLearn more→
Death Claims
Phone1-858-453-2112
Toll-Free1-877-732-2848
Mailing Address
San Diego County Credit Union, Attn: Deposits, P.O. Box 269040, San Diego, CA 92196-9040
Verified Jul 2026
Estate planning at SDCCU means getting each account set up so it transfers automatically when you die—either through a POD beneficiary or trust ownership. Because SDCCU 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.
SDCCU offers 18 accounts, each with its own transfer rules. The sections below cover how to set up beneficiaries, fund a trust, and which products support each approach.
SDCCU Classic CheckingSDCCU Free Checking with eStatementsSDCCU Wave CheckingSDCCU High-Yield CheckingSDCCU Primary SavingsSDCCU Great Rate SavingsSDCCU High-Balance SavingsSDCCU Special SavingsSDCCU Money MarketSDCCU Short-Term CertificateSDCCU Long-Term CertificateSDCCU teenFIRST AccountSDCCU teenFIRST Savings
1
Visit any of the 39 SDCCU branch locations
2
Bring required identification and information:
- Government-issued photo ID
- Beneficiary details: full legal name, date of birth, and relationship
3
Request to add a Payable on Death (POD) beneficiary designation to your account
4
Understand how POD designations work:
- Single-party accounts: funds pass directly to the named payee on death
- Multi-party accounts: funds pass to surviving owners first, then to named beneficiary on death of last owner
5
Review and sign the POD designation form
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD designations available for deposit accounts (checking, savings, certificates, money market)
- Single-party accounts: funds pass directly to named POD payee on death
- Multi-party accounts: funds pass to surviving owners first, then to POD beneficiary on death of last owner
- POD beneficiary designation forms are not available for online download
- SDCCU cannot advise on account arrangements for specific trust or will requirements
- Investment accounts through LPL Financial have separate beneficiary processes managed by your financial advisor
Sources
Data sourced from SDCCU primary sources (17 pages reviewed). How we research.
Download these SDCCU instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against SDCCU primary sources. Bring it to the branch or keep it beside the phone.
Phone1-858-453-2112
Toll-Free1-877-732-2848
Mailing Address
SDCCU, P.O. Box 269040, San Diego, CA 92196-9040
WebsiteLearn more→
Phone1-858-453-2112
Toll-Free1-877-732-2848
Mailing Address
SDCCU, P.O. Box 269040, San Diego, CA 92196-9040
WebsiteLearn more→
Death Claims
Phone1-858-453-2112
Toll-Free1-877-732-2848
Mailing Address
San Diego County Credit Union, Attn: Deposits, P.O. Box 269040, San Diego, CA 92196-9040
Verified Jul 2026
Estate planning articles
Learn how to protect your SDCCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
