How to name beneficiaries and fund a trust at Star One
Covers 9 deposit, and 5 retirement accounts — beneficiaries must be updated in-branch
Phone(408) 543-5202
Toll-Free1-866-543-5202
Emailservice@starone.org
Fax(408) 543-5203
Mailing Address
Star One Credit Union, P.O. Box 3643, Sunnyvale, CA 94088-3643
WebsiteLearn more→
Phone(408) 543-5202
Toll-Free1-866-543-5202
Emailservice@starone.org
Fax(408) 543-5203
Mailing Address
Star One Credit Union, P.O. Box 3643, Sunnyvale, CA 94088-3643
WebsiteLearn more→
Beneficiary/Retiree Services
Phone(408) 543-5202
Toll-Free1-866-543-5202
Fax(408) 543-5203
Mailing Address
Star One Credit Union, Attn: Beneficiary/Retiree Services, P.O. Box 3643, Sunnyvale, CA 94088-3643
WebsiteNotify online→
Verified May 2026
There are two ways to keep your Star One accounts out of probate: adding Payable on Death designations and retitling accounts into a trust. Because Star One is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Both methods ensure your accounts transfer directly to the people you choose, without court involvement.
Star One has 14 product types, and the estate transfer rules differ across them. Some support Payable on Death (POD) designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
Rewards CheckingFree CheckingMoney Market SavingsShare Certificate (6-Month)Share Certificate (1-Year)Share Certificate (2-Year)Student CheckingMinor Savings AccountTransfer to Minors (Gift) Account
1
Visit any Star One branch (no notary needed when completing in-person)
2
Bring government-issued photo ID
3
Provide beneficiary details:
- Name, address, SSN/TIN, date of birth, and relationship
- Up to four POD beneficiaries can be designated per account
4
Sign the updated Account Card with a branch representative
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD available for deposit accounts (checking, savings, certificates)
- Up to four POD beneficiaries can be designated per account
- Trusts can be named as POD beneficiaries
- Mail-in forms require notarized signatures; in-branch and Virtual Branch video appointments do not
- IRA beneficiaries are governed by separate IRA beneficiary designation forms, not the Account Card
- POD designations do not apply to IRA accounts
Phone(408) 543-5202
Toll-Free1-866-543-5202
Emailservice@starone.org
Fax(408) 543-5203
Mailing Address
Star One Credit Union, P.O. Box 3643, Sunnyvale, CA 94088-3643
WebsiteLearn more→
Phone(408) 543-5202
Toll-Free1-866-543-5202
Emailservice@starone.org
Fax(408) 543-5203
Mailing Address
Star One Credit Union, P.O. Box 3643, Sunnyvale, CA 94088-3643
WebsiteLearn more→
Beneficiary/Retiree Services
Phone(408) 543-5202
Toll-Free1-866-543-5202
Fax(408) 543-5203
Mailing Address
Star One Credit Union, Attn: Beneficiary/Retiree Services, P.O. Box 3643, Sunnyvale, CA 94088-3643
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your Star One accounts and other assets with trusts, beneficiary designations, and estate planning documents.
