I'm not a T&E or tax lawyer, nor am I a financial advisor, and what I'm about to say should not be construed as either legal or financial advice: If the Credit Union is the trustee, consider getting independent financial and tax advice. Trustees have a vested interest in convincing you to let them remain trustees (it's how they get paid). I have no idea if the Trust's investment strategy is consistent with what you want for your family. I have no idea what fees the Trustee charges. I have no idea what the terms of the Trust are. I have no idea at what level it or your family is taxed. (Nor do I want to know any of these things!) But I do suggest considering getting independent tax and financial advice, if the Credit Union is, in fact, the trustee of the trust in question.

Good luck, Robert