Estate planning at St. Mary's CU
How to protect 17 St. Mary's CU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Member Solutions Center
SMCU Processing Center, P.O. Box 4144, Woburn, MA 01888
Member Solutions Center
SMCU Processing Center, P.O. Box 4144, Woburn, MA 01888
Member Solutions Center
SMCU Processing Center, P.O. Box 4144, Woburn, MA 01888
St. Mary's CU is a credit union offering 17 accounts that interact with estate planning in different ways. As a membership-based credit union, St. Mary's CU eight full-service branches plus a corporate/loan center in MetroWest Massachusetts following the July 1, 2026 merger with MetroWest Community Federal Credit Union (Framingham). Branches include three in Marlborough (133 South Bolton Street; 133 West Main Street; 1 Northboro Road), and locations in Hudson (439 Main Street), Northborough (100 West Main Street), Westborough (96 Turnpike Road), and Framingham (1255 Worcester Road, plus the former MetroWest Community FCU location). Corporate Office and Loan Center at 46 Lizotte Drive, Marlborough, MA 01752 (Mon-Fri 8am-5pm; evenings/weekends by appointment). Membership open to anyone who lives, works, or attends school in Middlesex, Worcester, Norfolk, or Suffolk County in Massachusetts. Relatives of existing members may join regardless of where they live. CO-OP Shared Branch network access at 6,000+ branches and surcharge-free ATMs via CO-OP and SUM networks nationwide. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Account holders can update their beneficiary designations at St. Mary's CU in branch and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
St. Mary's 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 17 account types at St. Mary's CU.
View details →When someone dies
Death claim process
5-step process, 6 required documents, and contact information for survivors.
View details →St. Mary's 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
Membership is open to anyone who lives, works, or attends school in Middlesex, Worcester, Norfolk, or Suffolk County in Massachusetts. Membership is also available to relatives of existing members regardless of where they live, including parents, children, siblings, spouses, grandparents, grandchildren, in-laws, step-relations, and half-siblings. A $10 minimum deposit is required to open a Membership Savings or checking account. Accounts can be opened online in under 10 minutes or at any branch with a valid U.S. picture ID.
Kasasa Cash is a free rewards checking account earning 5.25% APY on balances up to $10,000 when you meet three monthly qualifications: at least 12 debit card purchases that post and settle, one direct deposit or ACH transaction, and eStatement enrollment. If qualifications are not met, the account still earns 0.05% APY with no monthly fees. Qualified members also receive up to $25/month in nationwide ATM fee reimbursements. Link to a free Kasasa Saver account to earn 4.50% APY on savings up to $50,000 using the same qualifications.
St. Mary's CU offers investment and financial planning services through Delano Financial Management. Securities and advisory services are offered through LPL Financial, a registered investment advisor and broker-dealer (member FINRA/SIPC). Available services include financial planning, retirement planning, 401(k) and IRA rollovers, college funding (529 plans), stocks and bonds, mutual funds, annuities, fee-based asset management, life insurance, long-term health care, and estate and wealth transfer planning. Members receive no-cost, no-obligation initial consultations. These products are not NCUA insured and may lose value.
Deposits at St. Mary's CU are protected through dual insurance coverage. The National Credit Union Administration (NCUA) insures deposits up to $250,000 per depositor. Amounts exceeding the NCUA limit are covered by the Massachusetts Share Insurance Corporation (MSIC), providing additional protection beyond the federal limit. This dual coverage means members have higher deposit protection than at most financial institutions. Investment products offered through LPL Financial are not NCUA insured and are not credit union deposits.
Sources
Data sourced from St. Mary's CU primary sources (19 pages reviewed). How we research.
Member Solutions Center
SMCU Processing Center, P.O. Box 4144, Woburn, MA 01888
Member Solutions Center
SMCU Processing Center, P.O. Box 4144, Woburn, MA 01888
Member Solutions Center
SMCU Processing Center, P.O. Box 4144, Woburn, MA 01888
Estate planning articles
Learn how to protect your St. Mary's CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
