Estate planning at Tower FCU
How to protect 29 Tower FCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Member Service Center
Phone301-497-7000
Toll-Free866-568-6937
Fax301-497-8930
Mailing Address
Tower Federal Credit Union, P.O. Box 123, Annapolis Junction, MD 20701-0123
TDD (Hearing Impaired)
Fraud Hotline
Lost/Stolen Credit Cards
WebsiteLearn more→
Member Service Center
Phone301-497-7000
Toll-Free866-568-6937
Fax301-497-8930
Mailing Address
Tower Federal Credit Union, P.O. Box 123, Annapolis Junction, MD 20701-0123
TDD (Hearing Impaired)
Fraud Hotline
Lost/Stolen Credit Cards
WebsiteLearn more→
Member Service Center (Death Claims)
Phone301-497-7000
Toll-Free866-568-6937
Fax301-497-8930
Mailing Address
Tower Federal Credit Union, P.O. Box 123, Annapolis Junction, MD 20701-0123
WebsiteNotify online→
Verified Apr 2026
How your Tower FCU accounts transfer at death depends on how each one is set up. As a membership-based credit union, Tower FCU headquartered at 7901 Sandy Spring Rd, Laurel, MD 20707. Mailing address: P.O. Box 123, Annapolis Junction, MD 20701-0123. 11 branch locations across Maryland including Columbia, Hanover, Annapolis Junction, Ellicott City, Laurel, Clarksville, Millersville, Pasadena, Gambrills, Owings Mills, and Annapolis. Serves members in Maryland, Virginia, and Washington D.C. Strong presence among federal government and defense sector employees in the DC metro area. With 29 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Beneficiary changes at Tower FCU can be made in branch and by mail. Accounts can also be retitled into a trust to keep them out of probate entirely.
Tower FCU provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 29 account types at Tower FCU.
View details →When someone dies
Death claim process
3-step process, 5 required documents, and contact information for survivors.
View details →Tower FCU operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
IRA beneficiaries are designated at account opening and can be updated at any time by submitting a new beneficiary designation form. Contact the Member Service Center at 866-56-TOWER or visit any branch to request the form. Both individuals and trusts may be named as IRA beneficiaries. Tower offers Traditional IRA, Roth IRA, SEP IRA, and IRA Certificate options.
Tower FCU offers wealth management services through Tower Wealth Management, with securities and advisory services provided through LPL Financial (member FINRA/SIPC). Services include retirement planning, investment planning, and comprehensive wealth management. Non-deposit investment products are not NCUA insured, not credit union guaranteed, and may lose value. Tower receives compensation from LPL Financial for referrals.
Membership is open to current or former employees of Tower sponsor agencies (primarily government and defense sector employers in the DC metro area), employees of partner companies, family members of existing Tower members, and anyone who makes a $35 donation to The TowerCares Foundation. An initial $15 deposit opens a free checking account and a Prime Share savings account, establishing lifetime membership. Tower serves members in Maryland, Virginia, and Washington D.C.
Tower FCU has 11 branch locations across Maryland, including Columbia, Hanover, Annapolis Junction, Ellicott City, Laurel, Clarksville, Millersville, Pasadena, Gambrills, Owings Mills, and Annapolis. Members also have access to 30,000+ fee-free ATMs nationwide. The Member Service Center is available at 301-497-7000 or 866-56-TOWER, Monday through Friday 8:00 AM to 6:00 PM ET and Saturday 9:00 AM to 2:00 PM ET.
Sources
Data sourced from Tower FCU primary sources (19 pages reviewed). How we research.
Member Service Center
Phone301-497-7000
Toll-Free866-568-6937
Fax301-497-8930
Mailing Address
Tower Federal Credit Union, P.O. Box 123, Annapolis Junction, MD 20701-0123
TDD (Hearing Impaired)
Fraud Hotline
Lost/Stolen Credit Cards
WebsiteLearn more→
Member Service Center
Phone301-497-7000
Toll-Free866-568-6937
Fax301-497-8930
Mailing Address
Tower Federal Credit Union, P.O. Box 123, Annapolis Junction, MD 20701-0123
TDD (Hearing Impaired)
Fraud Hotline
Lost/Stolen Credit Cards
WebsiteLearn more→
Member Service Center (Death Claims)
Phone301-497-7000
Toll-Free866-568-6937
Fax301-497-8930
Mailing Address
Tower Federal Credit Union, P.O. Box 123, Annapolis Junction, MD 20701-0123
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Tower FCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
