How to name beneficiaries and fund a trust at STCU
Covers 8 deposit, 4 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
STCU, P.O. Box 1954, Spokane, WA 99210-1954
STCU Investment Services (through LPL Financial)
STCU Investment Services, 9 S. Washington St., Suite 105, Spokane, WA 99201-3719
STCU, P.O. Box 1954, Spokane, WA 99210-1954
There are two ways to keep your STCU accounts out of probate: adding Payable on Death designations and retitling accounts into a trust. Because STCU 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.
Across 14 product types, STCU accounts vary in how they transfer at death. The sections below walk through Payable on Death (POD) designations, trust funding options, and which products support each method.
- For deposit accounts: request POD designation with beneficiary full legal name, date of birth, Social Security number, and relationship
- For IRA accounts: complete the IRA Beneficiary Designation form with primary and contingent beneficiary sections
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trust beneficiary designations may require a copy of the Certification of Trust
- IRA beneficiary changes for married account holders in community property states (WA, ID) may require spousal consent
Sources
Data sourced from STCU primary sources (15 pages reviewed). How we research.
Download these STCU instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against STCU primary sources. Bring it to the branch or keep it beside the phone.
STCU, P.O. Box 1954, Spokane, WA 99210-1954
STCU Investment Services (through LPL Financial)
STCU Investment Services, 9 S. Washington St., Suite 105, Spokane, WA 99201-3719
STCU, P.O. Box 1954, Spokane, WA 99210-1954
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