Estate planning at Veridian
How to protect 18 Veridian accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Member Support Center
Phone1-800-235-3228
Mailing Address
Veridian Credit Union, P.O. Box 6000, Waterloo, IA 50704-6000
Cedar Valley
Des Moines
Cedar Rapids
Iowa City
Omaha-Council Bluffs
Twin Cities
WebsiteLearn more→
Member Support Center
Phone1-800-235-3228
Mailing Address
Veridian Credit Union, P.O. Box 6000, Waterloo, IA 50704-6000
Cedar Valley
Des Moines
Cedar Rapids
Iowa City
Omaha-Council Bluffs
Twin Cities
WebsiteLearn more→
Member Support Center
Phone1-800-235-3228
Mailing Address
Veridian Credit Union, P.O. Box 6000, Waterloo, IA 50704-6000
WebsiteNotify online→
Verified May 2026
How your Veridian accounts transfer at death depends on how each one is set up. As a membership-based credit union, Veridian branch locations across Iowa (Waterloo/Cedar Falls, Cedar Rapids, Iowa City, Des Moines metro), eastern Nebraska (Omaha, Council Bluffs area), and the Twin Cities metro in Minnesota (Eden Prairie). Veridian expanded into Minnesota through its acquisition of AIBM, gaining field of membership in eight counties: Anoka, Carver, Dakota, Hennepin, Ramsey, Scott, Washington, and Wright. Members also have access to 5,000+ shared branch locations nationwide through the CO-OP Shared Branch Network. With 18 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Beneficiary designations at Veridian can be managed 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.
Veridian 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 18 account types at Veridian.
View details →When someone dies
Death claim process
5-step process, 5 required documents, and contact information for survivors.
View details →Because Veridian serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
Veridian serves members across Iowa, Nebraska, and the Twin Cities metro in Minnesota with branch locations in the Cedar Valley, Des Moines metro, Cedar Rapids, Iowa City, Omaha-Council Bluffs area, and Eden Prairie, MN. Membership is also available to employees of select employer groups, Habitat for Humanity of Iowa volunteers and donors, and family members of existing members. Once a member, always a member -- you retain full membership privileges even if you move or leave the qualifying employer.
Yes. Deposit accounts including checking, savings, money market, and certificates can be retitled to a revocable living trust. Schedule an appointment at any Veridian branch by calling 800-235-3228 or visiting veridiancu.org/contact-us. Bring the complete trust document or certification of trust and government-issued photo ID for all trustees. IRAs cannot be retitled to a trust but can name a trust as beneficiary through a separate designation.
Veridian offers Traditional IRAs (tax-deductible contributions with tax-deferred growth), Roth IRAs (qualified distributions are tax-free with no required minimum distributions), SEP IRAs for self-employed individuals, and IRA Certificates of Deposit. All IRA accounts are NCUA insured up to $250,000. Beneficiary designations are separate from deposit account POD designations and transfer funds outside of probate.
Premium Checking earns a premium APY on balances up to $15,000 when the member enrolls in eDocs, sets up at least one direct deposit, and makes 15 qualifying debit card transactions per month. ATM transactions, ACH payments, checks, and eChecks do not count toward the 15 transactions. There are no monthly fees or minimum balance requirements. Only one Premium Checking account is allowed per tax identification number.
Veridian does not serve as executor, trustee, attorney-in-fact, or conservator and does not create estate planning documents such as wills, trusts, or powers of attorney. However, Veridian's financial planning team offers complimentary consultations on estate planning options. Contact John Englin, Director of Financial Planning, at (319) 236-6744 or (800) 235-3228 ext. 6744 to schedule a no-cost consultation.
Property securing a Veridian mortgage or home equity loan can be held in the name of a revocable living trust with proper documentation. Contact Veridian to discuss the process and ensure continuity of the loan. The 10 & Done loan, available in Iowa, Nebraska, and Minnesota, also allows property to be held in trust.
Sources
Data sourced from Veridian primary sources (24 pages reviewed). How we research.
Member Support Center
Phone1-800-235-3228
Mailing Address
Veridian Credit Union, P.O. Box 6000, Waterloo, IA 50704-6000
Cedar Valley
Des Moines
Cedar Rapids
Iowa City
Omaha-Council Bluffs
Twin Cities
WebsiteLearn more→
Member Support Center
Phone1-800-235-3228
Mailing Address
Veridian Credit Union, P.O. Box 6000, Waterloo, IA 50704-6000
Cedar Valley
Des Moines
Cedar Rapids
Iowa City
Omaha-Council Bluffs
Twin Cities
WebsiteLearn more→
Member Support Center
Phone1-800-235-3228
Mailing Address
Veridian Credit Union, P.O. Box 6000, Waterloo, IA 50704-6000
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your Veridian accounts and other assets with trusts, beneficiary designations, and estate planning documents.
