Estate planning and settlement at Together CU
Name beneficiaries in branch, fund a trust in branch, and report a death at 1-800-325-9905
How your Together CU accounts transfer at death depends on how each one is set up. As a membership-based credit union, Together CU branches in St. Louis and surrounding Missouri counties, Shiloh (Illinois), and at locations in California, Colorado, Florida, Georgia, New York, Ohio, Texas, and Virginia. Membership field: St. Louis City and St. Louis, St. Charles, and Jefferson counties in Missouri; Madison and St. Clair counties in Illinois; the Williamsburg, Virginia area (Williamsburg, Newport News, Hampton); within 10 miles of Cedar Hill, Texas (ZIP codes 75104, 75106, 75249, 75137, 75054, 75052, 75138, 75116, 75115, 75123, 75236, 75237, 76002, 76018, 75232, 76063, 75051, 76065, 75233, 76014); employees and retirees of more than 200 partner employers; and immediate family or household members of current members. Entities, including trusts and estates, are eligible to join if they have a physical location in one of these communities or are owned by a current member. With 19 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Together CU handles beneficiary designations in branch and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
There are two sides to estate planning at Together CU: setting things up while you're alive, and the process survivors follow after a death.
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 19 account types at Together CU.
Preparing your estate →Death claim process
Report the death to Together CU's Research and Quality Management at 1-800-325-9905. The page lists the steps and the documents to send.
When someone dies →Together CU is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
Together Credit Union's Trust Account Information sheet states: "The credit union will not accept a copy of your entire Trust Agreement to open or change an account." It asks for a Certification of Trust, a summary document defined by the statute of your state of residence, and publishes a blank Certification of Trust at https://www.togethercu.org/docs/default-source/forms/certification_of_trust.pdf. It also states it "cannot assist you with completing" the form and directs questions to the trustee's attorney. Every currently acting trustee signs the Certification and the credit union's Living Trust Account Card. The Help Center's trust-account checklist reads "Documentation of the Trust OR the Trust Certification."
The Trust Account Information sheet states that an account being changed to a trust account "cannot have the following products/services: IRAs, Credit Cards." Products that may stay once the account is retitled in the name of the trust are real estate loans, certificates of deposit, and consumer loans such as auto loans and the Any Reason Any Season loan. A safe deposit box may be titled in the trust or left as it is. Products that will not be titled in the trust can be moved to a new account number.
Sources
Data sourced from Together CU primary sources (32 pages reviewed). How we research.
Together CU customer support
Member Contact Center
Phone
Lynch Street branch (Main Office)
Mailing address
Website
Estate planning articles
Learn how to protect your Together CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Forms for Planning Your Estate
Free forms for planning your estate: a will, living trust, pour-over will, both powers of attorney, living will, and TOD deed.
Last Will and Testament
Name your heirs, guardians, and final wishes. Free for every state.
Transfer on Death Deed
Transfer real property to a beneficiary upon your death without probate. Available in 34 states and the District of Columbia.
Vehicle Transfer on Death
Name a beneficiary to inherit your vehicle at death without probate. Available in 26 states and the District of Columbia.
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