Estate planning and settlement at Workers CU
Report a death
How your Workers CU accounts transfer at death depends on how each one is set up. As a membership-based credit union, Workers CU field of membership (become-a-member page and charter): immediate family members or people living with a member; people who live, work, worship, or attend school in Lowell or Worcester, Massachusetts; current or retired employees of participating employers and their immediate family; a one-time $5 donation Workers makes to the United Way of North Central Massachusetts; or a first-year Financial Fitness Association membership paid by Workers. The branch locator lists locations in Athol, Chelmsford, Fitchburg, Gardner, Groton, Lancaster, Leominster, Lunenburg, Orange, Townsend, Westford, and Worcester, plus the Littleton headquarters at 119 Russell Street, all in Massachusetts. Members also have access to shared branches and surcharge-free ATMs nationwide. Routing number 211382931. NMLS #472618. With 17 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
To add or update beneficiaries at Workers CU, account holders work through direct contact with the institution.
Workers CU has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Beneficiaries and trust funding
How to review 17 account types at Workers CU.
Preparing your estate →Death claim process
The page lists the steps and the documents to send.
When someone dies →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.
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Data sourced from Workers CU primary sources (50 pages reviewed). How we research.
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Estate planning articles
Learn how to protect your Workers CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Forms for Planning Your Estate
Free forms for planning your estate: a will, living trust, pour-over will, both powers of attorney, living will, and TOD deed.
Last Will and Testament
Name your heirs, guardians, and final wishes. Free for every state.
Transfer on Death Deed
Transfer real property to a beneficiary upon your death without probate. Available in 34 states and the District of Columbia.
Vehicle Transfer on Death
Name a beneficiary to inherit your vehicle at death without probate. Available in 26 states and the District of Columbia.
Tools for Planning Your Estate
Free tools for planning your estate: what a will or trust costs, whether you need a trust or TOD deed, and how documents are signed.
How Do I Sign Estate Documents?
Find witness, notary, and remote signing requirements for all 50 states.
Will My Estate Documents Transfer?
Check if estate planning documents signed in one state are valid in another.
Trust or Will: Which Costs Less?
Compare the cost of probate vs a trust for your state and estate value.
How Much Does a Revocable Living Trust Cost?
Compare revocable living trust costs across providers including online services and attorneys.
How Much Does a Will Cost?
Compare will costs across providers plus probate costs your heirs will pay.
How Does SimplyTrust Compare to LegalZoom, Trust & Will, and Other Services?
Compare what it costs to make a trust official across SimplyTrust, LegalZoom, Trust & Will, Rocket Lawyer, and Quicken WillMaker.
