Estate planning at Together CU
How to protect 19 Together CU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Member Contact Center
Phone1-800-325-9905
Mailing Address
Together Credit Union, 423 Lynch Street, St. Louis, MO 63118
Lynch Street (headquarters) branch
WebsiteLearn more→
Member Contact Center
Phone1-800-325-9905
Mailing Address
Together Credit Union, 423 Lynch Street, St. Louis, MO 63118
Lynch Street (headquarters) branch
WebsiteLearn more→
Research and Quality Management (estate documentation) via the Member Contact Center
Phone1-314-771-7700
Toll-Free1-800-325-9905
Mailing Address
Together Credit Union, Attn: Research and Quality Management, 423 Lynch Street, St. Louis, MO 63118
WebsiteNotify online→
Verified Jul 2026
How your Together CU accounts transfer at death depends on how each one is set up. As a membership-based credit union, Together CU headquartered in St. Louis, Missouri with branches across the Missouri-Illinois border. Membership eligibility extends to: St. Louis City, St. Louis County, St. Charles County, and Jefferson County in Missouri; Madison and St. Clair counties in Illinois; the Williamsburg/Newport News area in Virginia; and the Cedar Hill / southwest Dallas metro area (Texas) covering specific zip codes (75104, 75106, 75249, 75137, 75054, 75052, 75138, 75116, 75115, 75123, 75236, 75237, 76002, 76018, 75232, 76063, 75051, 76065, 75233, 76014). Membership is also open to employees of 200+ employer partners (Anheuser-Busch, Nestle Purina PetCare, BJC HealthCare, Energizer Holdings, AT&T, and others) and to family or household members of existing members. Trusts and estates may also join. With 19 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Managing beneficiaries at Together CU is straightforward—changes can be made in branch and by phone, typically taking 15-30 minutes in branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
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.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 19 account types at Together CU.
View details →When someone dies
Death claim process
7-step process, 8 required documents, and contact information for survivors.
View details →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
No. Together Credit Union's Trust Account Information sheet states directly: "The credit union will not accept a copy of your entire Trust Agreement to open or change an account." It requires a Certification of Trust instead -- a summary document defined by your state's statute (Missouri residents: Mo. Rev. Stat. 456.10-1013). Together CU publishes a blank Certification of Trust at https://www.togethercu.org/docs/default-source/forms/certification_of_trust.pdf, but it also states it "cannot assist you with completing" it and directs questions to the trustee's attorney. Every currently acting trustee must sign both the Certification and the credit union's Living Trust Account Card.
The credit union's Trust Account Information sheet is explicit: an account being converted to a trust account "cannot have the following products/services: IRAs, Credit Cards." Those must be moved to a separate account number. Products that CAN stay on an account once it is retitled in the trust's name 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-is. IRAs are never retitled into a trust -- you name the trust as beneficiary on the IRA instead.
Sources
Data sourced from Together CU primary sources (21 pages reviewed). How we research.
Member Contact Center
Phone1-800-325-9905
Mailing Address
Together Credit Union, 423 Lynch Street, St. Louis, MO 63118
Lynch Street (headquarters) branch
WebsiteLearn more→
Member Contact Center
Phone1-800-325-9905
Mailing Address
Together Credit Union, 423 Lynch Street, St. Louis, MO 63118
Lynch Street (headquarters) branch
WebsiteLearn more→
Research and Quality Management (estate documentation) via the Member Contact Center
Phone1-314-771-7700
Toll-Free1-800-325-9905
Mailing Address
Together Credit Union, Attn: Research and Quality Management, 423 Lynch Street, St. Louis, MO 63118
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Together CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
