Estate planning at STCU
How to protect 14 STCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through STCU's STCU Investment Services (through LPL Financial)
Phone1-800-858-3750
Fax(509) 344-2190
Mailing Address
STCU, P.O. Box 1954, Spokane, WA 99210-1954
Washington
Idaho
Oregon
WebsiteLearn more→
STCU Investment Services (through LPL Financial)
Phone(855) 802-3416
Mailing Address
STCU Investment Services, 9 S. Washington St., Suite 105, Spokane, WA 99201-3719
Washington
Idaho
Oregon
WebsiteLearn more→
Phone1-800-858-3750
Fax(509) 344-2190
Mailing Address
STCU, P.O. Box 1954, Spokane, WA 99210-1954
Washington
Idaho
Oregon
Washington Fax
Idaho Fax
WebsiteNotify online→
Verified Jul 2026
STCU is a credit union offering 14 accounts that interact with estate planning in different ways. As a membership-based credit union, STCU operates approximately 50 branches throughout Eastern and Central Washington, North Idaho, and Eastern Oregon. Headquartered in Liberty Lake, WA. Membership is open to anyone who lives, works, worships, or attends school in eligible counties in Washington, North Idaho (Benewah, Bonner, Boundary, Kootenai, Latah, Lewis, Nez Perce, Shoshone), or Eastern Oregon (Baker, Crook, Gilliam, Grant, Harney, Hood River, Malheur, Morrow, Sherman, Umatilla, Union, Wallowa, Wasco, Wheeler). Family members of eligible individuals can also join. Home equity products available on properties in WA, ID, and OR. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Beneficiary designations at STCU can be managed in branch, by mail, and by phone, typically taking 15-30 minutes in branch; longer by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
STCU 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 14 account types at STCU.
View details →When someone dies
Death claim process
Contact STCU's STCU Investment Services (through LPL Financial) to file a claim. 5-step process, 7 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact STCU's STCU Investment Services (through LPL Financial) at (855) 802-3416. Email inquiries can be sent to investmentservices@stcu.org.
Because STCU serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
STCU allows existing deposit accounts (checking, savings, money market, certificates) to be retitled to a trust without closing and reopening the account. Visit any STCU branch with your Certification of Trust (or full trust agreement), valid government-issued photo ID for all trustees, and the trust's Tax Identification Number or grantor Social Security number. IRA accounts cannot be retitled to a trust; designating the trust as IRA beneficiary is the appropriate strategy for IRAs.
Washington and Idaho are both community property states. IRA contributions made during marriage may be considered community property, meaning a spouse may have a legal interest in those assets. STCU may require spousal consent when designating a non-spouse primary IRA beneficiary. Consult a licensed attorney or tax advisor for guidance specific to your situation.
Yes. STCU Investment Services provides asset management and tax-efficient investment guidance through LPL Financial licensed advisors. Complimentary, no-obligation investment reviews are available at STCU branches or by virtual appointment. Contact: toll-free (855) 802-3416, Washington (509) 755-7970, Idaho (208) 619-5220, Oregon (541) 304-7684, or email investmentservices@stcu.org. Mailing address: STCU Investment Services, 9 S. Washington St., Suite 105, Spokane, WA 99201-3719. Securities and advisory services are offered through LPL Financial, a registered investment advisor and broker-dealer (member FINRA/SIPC).
Sources
Data sourced from STCU primary sources (15 pages reviewed). How we research.
Phone1-800-858-3750
Fax(509) 344-2190
Mailing Address
STCU, P.O. Box 1954, Spokane, WA 99210-1954
Washington
Idaho
Oregon
WebsiteLearn more→
STCU Investment Services (through LPL Financial)
Phone(855) 802-3416
Mailing Address
STCU Investment Services, 9 S. Washington St., Suite 105, Spokane, WA 99201-3719
Washington
Idaho
Oregon
WebsiteLearn more→
Phone1-800-858-3750
Fax(509) 344-2190
Mailing Address
STCU, P.O. Box 1954, Spokane, WA 99210-1954
Washington
Idaho
Oregon
Washington Fax
Idaho Fax
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your STCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
