How to designate beneficiaries at Peak CU
Beneficiaries are managed in branch, by phone or by mail
Peak CU operates under a new nameRebranded
TwinStar Credit Union and Northwest Community Credit Union were united under the Peak Credit Union brand in 2025. The twinstarcu.com and nwcu.com addresses now lead to peakcu.org, and Peak’s routing number is 325181015.
Preparing your Peak CU accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because Peak CU is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Accounts with Payable on Death designations or trust ownership bypass probate entirely.
The transfer rules at Peak CU vary across 12 accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
Beneficiary form at Peak CU
Signature card.
Required Documents
- Signature card signed by every account owner (when the change is requested by phone). Peak sends the card, and it is mailed back signed
Required Documents
- Signed Membership Application
- Social Security number or Taxpayer Identification Number. A valid number is a membership requirement
- Identifying information. Name, address, date of birth and other information. Peak may ask to see a driver’s license or other identifying documents
Required Documents
- Signature card signed by every account owner (when the change is requested by phone). Peak sends the card, and it is mailed back signed
What Peak CU says about beneficiaries and trusts
Each section is Peak CU's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary2
What a designation takes to be effective
Beneficiary forms Peak CU issues1
- Signature card
Completed by every account owner. Sent by the institution on request.2
What Peak CU's agreement says about beneficiaries5
- Divorce
Peak's agreement says a joint-with-survivorship or POD designation may be invalidated when Peak receives notice of a marriage dissolution, as applicable law requires.1
- A designation and a will
Peak's agreement says a joint-with-survivorship or POD designation may be invalidated when Peak receives notice of a testamentary disposition, as applicable law requires.1
- A beneficiary who dies first
An account payable to more than one POD beneficiary is owned jointly by those beneficiaries with rights of survivorship.1
- Who can see the designation
Peak has no obligation to notify a beneficiary that an account exists.1
- Powers of attorney over a living owner's account
Peak does not recognize an agent under a power of attorney unless an acceptable written power of attorney is on record at the credit union.1
Which accounts a trust can hold1
What Peak CU says about trust accounts3
- Who signs for the trust
On a fiduciary account the trust is the sole owner. The trustee acts for it with no ownership interest and is the only party authorized to transact.1
- Review of the trust document
Peak has no duty to examine the trust instrument or to inquire into the trustee’s powers.1
- Online access
Entitled Users cannot be appointed on a fiduciary account in Digital Banking.4
Not in Peak CU's published guidance1
- Channels for opening or retitling a trust account
Sources4
Sources
Data sourced from Peak CU primary sources (19 pages reviewed). How we research.
Download these Peak CU instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Peak CU primary sources. Bring it to the branch or keep it beside the phone.
Peak CU estate support
Member Services
Phone
Local number
Outside the US
Credit Union Connection (telephone banking)
Bill Pay support
After hours lost or stolen Visa card
Account Solutions
Hours
Mailing address
Website
Estate requests go through general customer service.
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