Estate planning at Workers CU
How to protect 18 Workers CU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
119 Russell Street, Littleton, MA 01460
119 Russell Street, Littleton, MA 01460
Member Services
Workers Credit Union, 119 Russell Street, Littleton, MA 01460
How your Workers CU accounts transfer at death depends on how each one is set up. As a membership-based credit union, Workers CU membership open through multiple pathways: immediate family members or household members of existing members; those who live, work, worship, or attend school in Lowell or Worcester, Massachusetts; employees of participating employers; or through the Financial Fitness Association or a $5 contribution to United Way of North Central MA (both paid by Workers CU). Sixteen full-service branches in Athol, Chelmsford, Fitchburg, Gardner, Groton, Hudson, Lancaster, Leominster, Lunenburg, Orange, Townsend, Westford, and Worcester, plus three PlanIt locations in Worcester, Lowell, and Hudson. Headquarters at 119 Russell Street, Littleton, MA 01460. High school branch at Montachusett Regional Vocational Technical School. Members have access to thousands of surcharge-free ATMs and shared branch network nationwide through the CO-OP Network. Routing Number: 211382931. NMLS #472618. With 18 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Beneficiary changes at Workers CU can be made in branch and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
Workers CU has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 18 account types at Workers CU.
View details →When someone dies
Death claim process
4-step process, 7 required documents, and contact information for survivors.
View details →Because Workers CU 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
Yes. Checking accounts, savings accounts, money market accounts, and share certificates (CDs) can be retitled to a revocable living trust. Visit any Workers Credit Union branch with your Certification of Trust or full trust document, government-issued photo ID for all trustees, and the trust EIN if applicable. The trust must qualify for membership under the credit union's field of membership requirements. IRA accounts cannot be retitled to a trust but can name a trust as beneficiary. Contact (800) 221-4020 to schedule a branch visit.
Sources
Data sourced from Workers CU primary sources (25 pages reviewed). How we research.
119 Russell Street, Littleton, MA 01460
119 Russell Street, Littleton, MA 01460
Member Services
Workers Credit Union, 119 Russell Street, Littleton, MA 01460
Estate planning articles
Learn how to protect your Workers CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
