Estate planning at SC Federal CU
How to protect 10 SC Federal CU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Contact Center
Phone1-843-797-8300
Toll-Free1-800-845-0432
Mailing Address
SC Federal Credit Union, P.O. Box 190012, North Charleston, SC 29419-9012
WebsiteLearn more→
Contact Center
Phone1-843-797-8300
Toll-Free1-800-845-0432
Mailing Address
SC Federal Credit Union, P.O. Box 190012, North Charleston, SC 29419-9012
WebsiteLearn more→
Death Claims
Phone1-843-797-8300
Toll-Free1-800-845-0432
Mailing Address
South Carolina Federal Credit Union, 2175 Credit Union Lane, North Charleston, SC 29419
Verified Jul 2026
SC Federal CU is a credit union offering 10 accounts that interact with estate planning in different ways. As a membership-based credit union, SC Federal CU headquartered at 2175 Credit Union Lane, North Charleston, SC 29419. Over 30 financial centers across South Carolina in seven major markets: Charleston, Columbia, Florence, Georgetown, Greenville, Myrtle Beach, and Spartanburg. Community-chartered credit union (converted from select employer group in 2003). Financial centers open Monday-Friday, 9:00 a.m.-5:00 p.m.; closed Saturday and Sunday. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Beneficiary changes at SC Federal CU can be made in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
SC Federal CU 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 10 account types at SC Federal CU.
View details →When someone dies
Death claim process
3-step process, 5 required documents, and contact information for survivors.
View details →SC Federal CU 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
Yes. Visit any South Carolina Federal financial center with your trust document (or Certificate of Trust), government-issued photo ID for all trustees, and the trust EIN or SSN. You will need to complete new account paperwork in the trust name. Existing accounts may need to be closed and reopened under the trust title. IRA accounts (both savings and certificates) cannot be retitled to a trust but can name a trust as beneficiary.
Premium Checking is the most popular account, earning dividends each day the balance is $2,500 or more and including Mastercard debit card rewards points redeemable for travel and merchandise, with no monthly fee. Simple Checking is a basic account with no monthly charge for members age 25 or under; for others, the monthly fee is waived with an average daily balance of $1,000, a monthly direct deposit of at least $250, 10 posted debit card transactions, or a month-end loan balance of $10,000 or more. Both accounts include a Mastercard debit card and online and mobile banking.
IRA Savings accounts earn dividends at a variable rate and provide flexible access to funds for contributions and rollovers. IRA Certificates lock in a fixed dividend rate for a set term (3 to 60 months) and generally earn higher dividends. A 36-month step-up option allows one rate increase during the term to the current posted rate. Both are available as Traditional or Roth IRAs and require personal attention at a financial center to open. With $50,000 in IRA Savings, you can open a Jumbo IRA Share Certificate.
Self-Service Checking is designed for members who prefer managing finances digitally. It requires eStatements enrollment and is managed entirely through online and mobile banking. It includes a Mastercard debit card. Like other deposit accounts, it supports POD beneficiary designations and can be retitled to a trust.
Sources
Data sourced from SC Federal CU primary sources (19 pages reviewed). How we research.
Contact Center
Phone1-843-797-8300
Toll-Free1-800-845-0432
Mailing Address
SC Federal Credit Union, P.O. Box 190012, North Charleston, SC 29419-9012
WebsiteLearn more→
Contact Center
Phone1-843-797-8300
Toll-Free1-800-845-0432
Mailing Address
SC Federal Credit Union, P.O. Box 190012, North Charleston, SC 29419-9012
WebsiteLearn more→
Death Claims
Phone1-843-797-8300
Toll-Free1-800-845-0432
Mailing Address
South Carolina Federal Credit Union, 2175 Credit Union Lane, North Charleston, SC 29419
Verified Jul 2026
Estate planning articles
Learn how to protect your SC Federal CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
