Digital estate planning at your fingertips

Getting your estate plan in order is an important task that many of us have not addressed for various reasons. We’d like to help you with that.

Through a relationship that our trusted partner TruStage™ has with One Digital Trust (ODT), a leading provider of online estate planning solutions, Mutual Credit Union is pleased to provide members with access to a subscription-based digital estate planning tool to create legally valid documents.

Goes beyond simply creating your basic will

  • Creates important estate planning documents like your last will & testament, power of attorney or a living will, even setting up things like a trust, guardianship for minor children, and directives for your pets
  • Automatically catalogs assets, debts, and important documents in a secure and customized digital vault that can be accessed and updated at any time
  • Provides a dynamic view into your overall financial standing and the ability to record and track any inheritance allocated to your loved ones

Create your account & sign in

Register your account and begin creating your plan, starting with your basic will.

This allows you to get a sense of what this tool can offer before committing to the subscription payment.

Subscription payment

Make a payment of $199 and unlock access for one full year. This allows you to create all needed estate plan documents

One price for all documents - including wills, trusts, power of attorney, etc.

Print and save documents

Download completed documents and securely store them in the digital vault.

Print all documents that require notarization, storing them back into the vault after notarization.

Consider ongoing access

Option to renew your subscription at $36/year to update your estate plan as your life changes.

This ongoing access ensures your plan stays current and reflects your wishes.

FAQs

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What is an estate plan?

An estate plan is a set of legal documents which outline how your assets will be managed if you become incapacitated (i.e., unable to manage your own assets after an illness or injury) or pass away. Most estate plans consist of a will, or a trust, plus a durable power of attorney for finances, a healthcare power of attorney, final wishes and a guardianship designation if you have minor children. Other aspects of an estate plan may also include things like making your wishes known about your funeral and adding a life insurance policy.

Why is estate planning important?

If you pass or become incapacitated without an estate plan in place, your belongings will be administered and distributed according to the laws of the state you live in. This could mean that the distribution of your assets may not align with your wishes. This may place added emotional and financial burdens on your surviving loved ones.

I don't believe I have an "estate." Why would I need an estate plan?

Some people may feel that estate planning is something that only applies to the wealthy or if there are large properties or expensive assets in involved. The reality is that everyone can benefit from having an estate plan. No matter the size of your estate, if you don’t have an estate plan, the decisions around how your assets are distributed are determined by the state in which you reside.

What if I have a complex estate, is this self-serve digital solution right for me?

If you have complex or large assets and holdings, seeking help from an estate attorney is a wise path to take in creating your estate plan. However, for Americans who have a fairly straightforward asset structure, a self-serve solution like ODT’s could typically meet their estate planning needs.

Do you have to be tech-savvy to use this tool?

You don’t have to be tech-savvy to use the estate planning platform. It is designed to be intuitive with a guided navigation experience that walks you through a step-by-step process. There are plenty of helpful tips and videos included along the way, as well as an email help line to answer any technical questions that come up.

What’s included in this digital estate planning tool?

Creation of your estate planning documents, including:

  • Last will and testament
  • Living will 
  • Power of attorney 
  • Pet trust and instructions 
  • Guardianship directions
  • Final instructions 
  • Instructions for property distribution and much more

Storage of your documents in a secure Digital document vault

  • Estate plan documents you created  
  • Title and deeds 
  • Insurance policies 
  • Pet trust and instructions

Accessing your Estate Snapshot

  • Know where you stand at any given point concerning your assets and liabilities; how they will be distributed; as well as a list of all those personal items that have been accumulated

What if I don’t need the tool after I create my estate documents – do I have to renew or can I cancel my subscription?

Within the first year of purchase, many customers create their basic estate planning documents such as a living will. The advantage of keeping the subscription beyond that first year is the ability to update your estate plan to accurately accommodate for the life changes and milestones you and your family may experience.

However, if you feel that you got everything you need from the first year (ex. created a living will) and do not see additional value in renewing, you can elect to cancel your subscription prior to the renewal period.

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TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. © TruStage

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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Share Certificate CalculatorDisclaimer

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Savings Goal CalculatorDisclaimer

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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Boats (New & Used) And RVs (New & Used)

Terms APR
Up to 24 Months 7.69%
Up to 36 Months 7.69%
Up to 48 Months 7.69%
Up to 60 Months 7.79%
Up to 72 Months 7.89%
Up to 84 Months 7.99%
Up to 96 Months 8.19%
Up to 120 Months 8.29%

Rates may change based on credit qualifications and age of collateral. Your rate may be different than the rate listed.

Business Certificates

Term Minimum Opening Deposit APY*
6 Month Business Certificate $1,000 0.15%
12 Month Business Certificate $1,000 0.35%
18 Month Business Certificate $1,000 0.40%
24 Month Business Certificate $1,000 0.50%
30 Month Business Certificate $1,000 0.60%
36 Month Business Certificate $1,000 0.70%
48 Month Business Certificate $1,000 0.75%

*APY = Annual Percentage Yield. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties.

As required by federal regulations, there is a substantial penalty for early withdrawals. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.

ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA.

 

Business Investment Accounts

Account Minimum Opening Deposit APY
Business Money Market Account (Tiered Rate Account) $2,500 - $149,999.99 0.40%
Business Money Market Account $150,000 - $249,999.99 1.50%
Business Money Market Account $250,000 & Greater 2.50%

Certificate Specials

Term Minimum Opening Deposit APY*
8 Month Special $1,000 4.25%
12 Month Special $1,000 3.75%
18 Month Special $1,000 3.00%

*APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties.

As required by federal regulations, there is a substantial penalty for early withdrawals. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.

IRS regulations require deposits remain in an IRA until the age of 59 1/2 or there is a substantial tax penalty imposed for early withdrawal. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA.

Certificates

Term Minimum Opening Deposit APY*
3 Month Certificate $1,000 0.15%
6 Month Certificate $1,000 0.15%
8 Month Certificate $1,000 0.25%
12 Month Certificate $1,000 0.35%
18 Month Certificate $1,000 0.40%
24 Month Certificate $1,000 0.50%
30 Month Certificate $1,000 0.60%
36 Month Certificate $1,000 0.70%
48 Month Certificate $1,000 0.75%

*APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties.

As required by federal regulations, there is a substantial penalty for early withdrawals. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.

IRS regulations require deposits remain in an IRA until the age of 59 1/2 or there is a substantial tax penalty imposed for early withdrawal. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA.

Credit Cards

Type APR Minimum Payment
Visa Platinum WSJP + 4% 2% Of Total Balance or $25 Whichever is Greater
Visa Rewards WSJP + 7% 2% Of Total Balance or $25 Whichever is Greater

Listed APR is AS LOW AS and is based on credit qualification.

These APRs will vary with the market based on the Wall Street Journal Prime Rate 

APR = Annual Percentage Rate

Home And Land Loans

Loan Terms APR
Home Equity Line of Credit Rates as low as Wall Street Journal Prime Rate Plus 0%. Based on credit qualification. As low as Wall Street Prime Rate + 0%
Mobile Home (New or Used) Up to 120 Months 10.75%
First and Second Mortgages We offer a wide range of mortgage products. Ask us how we can help you find the right loan to fit your needs. Rates fluctuate, see our mortgage specialist for details.
Land Up to 180 Months 8.29%

Listed APR is AS LOW AS and is based on credit qualification.

Investment Accounts

Account Minimum Opening Deposit APY
Mutual Asset Management Account (MAMA) $2,500 0.40%
Premier Money Market Account (Tiered Rate Account) $2,500 - $149,999.99 0.40%
Premier Money Market Account $150,000 - $249,999.99 1.50%
Premier Money Market Account $250,000 & Greater 2.50%

IRAs

Term Minimum Opening Deposit APY
6 Month IRA Certificate $1,000 0.15%
12 Month IRA Certificate $1,000 0.35%
18 Month IRA Certificate $1,000 0.40%
24 Month IRA Certificate $1,000 0.50%
30 Month IRA Certificate $1,000 0.60%
36 Month IRA Certificate $1,000 0.70%
48 Month IRA Certificate $1,000 0.75%
IRA Share Account $500 0.25%

As required by federal regulations, there is a substantial penalty for early withdrawals. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.

IRS regulations require deposits remain in an IRA until the age of 59 1/2 or there is a substantial tax penalty imposed for early withdrawal. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA.

Kasasa Saver*

Tier Dividend Rate APY
0 - $5,000 0.30% 0.30%
$5,000+ 0.20% 0.30% to 0.20%
All balances if qualifications not met 0.01% 0.01%

Qualifications

Qualifying for your Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

That's really it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base dividend rate on your Kasasa Saver balance. And you can get right back to earning your full rewards the very next cycle that you qualify.

*Recurring payments from your debit card are not used in calculating the total number of debit swipes.

Motorcycles (New & Used) And ATVs (New & Used)

Terms APR
Up to 24 Months 7.69%
Up to 36 Months 7.69%
Up to 48 Months 7.69%
Up to 60 Months 7.79%
Up to 72 Months 7.99%
Up to 84 Months 8.19%

Rates may change based on credit qualifications and age of collateral. Your rate may be different than the rate listed.

New Vehicle Loans

Terms APR
Up to 24 Months 4.69%
Up to 36 Months 4.69%
Up to 48 Months 4.69%
Up to 60 Months 4.99%
Up to 72 Months 5.19%
Up to 84 Months 5.99%

Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.

APR = Annual Percentage Rate

Personal Loans

Loan Terms APR
Personal Signature Loan Up to 72 Months 9.99%
Share Secured Up to 100% of Secured Amount Share dividend rate + 3.00%
FlashCash Up to 12 months 28.00%

Listed APR is AS LOW AS and is based on credit qualification. Your rate may be different than the rate listed.

Savings

Account Minimum Opening Deposit APY
Share Savings1 $10 0.25%
Secondary Savings  $10 0.25%
MY Investment Account1 $10 0.50% up to $5,000
0.25% on $5,000+

$5.00 Membership fee required

Used Vehicle Loans

Terms APR
Up to 24 Months 4.69%
Up to 36 Months 4.69%
Up to 48 Months 4.69%
Up to 60 Months 4.99%
Up to 72 Months 5.19%
Up to 84 Months 5.99%

Rates may change based on credit qualifications and age of collateral. Your rate may be different than the rate listed.

APR = Annual Percentage Rate

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