Our FreeBee checking is aptly named. With FreeBee you get Free Bill Pay, Free Bee-Online access, a Free Visa Debit Card and Free Phone-24 access. You also get free money orders and free checks. Many other Utah credit unions and banks charge over fifteen dollars for a box of basic paper checks! Of course, if you use Online Bill Pay, you won’t need many checks – you can pay your bills quick and easy online!

Salt Lake City Beehive Credit Union’s Free Bee account is sometimes called a savings checkings account because it pays interest on balances over $500. The FreeBee Plus checking account pays a higher interest rate on higher balances.

If you are opening your first Bountiful checking account and have not yet used a debit card, you are going to love the convenience. It is even easier than using cash or a checkbook. Swipe your Visa Debit Card at South Salt Lake supermarkets, gas stations, theaters, restaurants (most every store or place of business) and the funds will be taken directly from your Beehive FreeBee checking account. With your PIN, which you can select at your Salt Lake City Beehive branch, you have free access to your money at any CO-OP Network ATM. Our Visa Debit Cards are accepted at places of business around the world.

A Beehive Credit Union checking account is the best choice for smart Utahns!

1) What is your loan balance?
The loan balance for your Murray home loan can be found on your monthly statement. If you do not receive a paper statement, contact your Utah mortgage lender to find out your rate and all the additional details about your mortgage loan.

2) What is your interest rate and loan terms?
In order to compare interest rates for Murray mortgage loans, it is essential to know what you are currently paying. You also need to know if your loan is an ARM (Adjustable Rate Mortgage) or fixed. A fixed loan retains the same interest rate throughout the life of the loan. The interest rate for an adjustable rate loan fluctuates. Other loan terms can affect your refinance decision, such as prepayment penalties. These must be factored in to determine if a refinance would be cost effective.

3) How much equity do you have?
South Salt Lake and Bountiful home values are not what they once were. The amount of equity you have affects the interest rate you can obtain. Generally, greater equity means a lower interest rate.

The mortgage specialists at Salt Lake City Beehive Credit Union can help you determine if a refi would save you money. We can be reached at 801-484-8811 and http://www.beehivecredit.com. Beehive wants the chance to offer you a lower interest rate on your Rose Park mortgage loan. You can apply at http://www.beehivecredit.com/contact_locations.shtml.

In addition to lowering your monthly payment, refinancing your Murray home mortgage loan at a lower interest rate can save you thousands of dollars over the life of your loan. Replacing an ARM with a fixed rate loan can provide peace of mind now and in the future. Let Salt Lake City Beehive Credit Union simplify the refi process. Contact us today!

If you are new to TurboTax, you won’t believe how user-friendly it is. TurboTax guides you through your return like a personal GPS. There is even special help for first-time Salt Lake City Beehive Credit Union member TurboTax users.

You will save time entering information because it imports data directly from your BeeOnline account. TurboTax shows your refund (or tax owed) on every screen and recalculates as you enter or correct information. TurboTax also helps Salt Lake City Beehive Credit Union taxpayers find every single deduction – from job expenses to Utah charitable contributions. And TurboTax guarantees you the maximum possible refund for details).

Millions of Americans trust TurboTax for their tax preparation. South Salt Lake TurboTax users know why it is the best-selling tax software in the country.

If you usually hire a Murray tax service such as H&R Block or Liberty Tax Service to prepare your taxes, you may want to try Beehive’s TurboTax first before you shell out a hefty tax preparation fee. (Just another way Beehive helps you save money!)

With Salt Lake City Beehive Credit Union and TurboTax, filing your taxes has never been easier!

Salt Lake City Beehive Credit Union is excited to help our members more effectively control their finances with FinanceWorks. FinanceWorks uses easy-to-understand charts to represent your spending patterns. Transactions are updated just as fast as FinanceWorks receives the information – often immediately! You don’t have to guess when checks will clear or when automatic drafts will be taken.

Salt Lake City credit union members who have started using this powerful accounting tool say that it is helping them put more money into savings and pay down their debts quicker.

Because you access FinanceWorks from your trusted Salt Lake City Beehive Credit Union online banking login, there is no need to download any additional software.

Take an online tour of Beehive FinanceWorks. With FinanceWorks, Beehive is the top Utah bank of online banking. If you don’t currently use Beehive Online Banking, what are you waiting for?

Call us at 801-484-8811 so we can help you get going with the most powerful and easiest-to-use personal financial management tool available anywhere!

If you are a Salt Lake City Beehive Credit Union member but have business accounts at another Utah bank, you might want to consider transferring your business accounts to Salt Lake City Beehive Credit Union.

Salt Lake City Beehive Credit Union is the perfect partner for Murray business owners. Beehive offers Free Business Checking, an account similar to our personal checking account. We charge no setup costs, monthly maintenance fees, or per check charges. If you travel frequently on business, you will appreciate the free use of CO-OP Network ATMs and a Free Visa Credit Card to use as an overdraft source (see http://www.beehivecredit.com/contact_locations.shtml for details.)

While some South Salt Lake banks and Bountiful credit unions have started charging fees for Direct Deposit and account phone access, these are both free with a Beehive Business checking account. Our free business checking is only one of the services that makes managing business finances easier. We will talk about additional business services in future articles.

Salt Lake City Beehive Credit Union is located at 1467 S. Main St in Salt Lake City. Our phone number is 801-484-8811. If you have questions about business banking, you may call manager Heather Paterakis or a friendly member of our team.

One Utah business owner endorsed Beehive business banking by saying: “I have had my personal as well as business accounts with Beehive for close to 15 years. Enough said.”

Every Bountiful and Rose Park home is unique, and so are the lending needs to go with each home and home owner. Beehive has multiple mortgage products to fit your individual needs.

If you have never obtained a mortgage loan before, you may be nervous about the stories of ’surprise’ interest rate jumps and hidden fees not disclosed up front. At Salt Lake City Beehive Credit Union, you don’t have to worry about tricks used by predatory lenders to take advantage of unsuspecting Salt Lake City borrowers.

Salt Lake City Beehive Credit Union has been part of your community for over sixty years. We have financed home loans for many of your South Salt Lake friends and neighbors and look forward to serving Rose Park families for many more years to come. Our friendly home loan specialists walk first-time Murray homes buyers through the mortgage application process and help them understand all the details of the loan terms.

Buying a home involves a fair amount of paperwork. Salt Lake City Beehive Credit Union simplifies a major part of the transaction, the mortgage application process.

Contact one of our loan officers at 801-484-8811 for more information about Murray mortgage financing.

If you have never used Salt Lake City Beehive Credit Union Salt Lake City Online Bill Pay, you are spending way too much time writing checks, buying stamps and stuffing envelopes. Most of us pay the same bills every month: insurance premiums, mortgage payments, Murray gas and electric bills, credit card payments, Bountiful cable TV, and Utah internet service providers, just to name a few.

Salt Lake City Beehive Credit Union Online Bill Pay is easy to set up and even easier to use. The Bill Pay guide at http://www.beehivecredit.com shows you how. Of course, you can always call 801-484-8811 for help getting started or stop by the Salt Lake City branch at 1467 S. Main St in Salt Lake City to talk to an account specialist.

Salt Lake City Direct Deposit is another Beehive service that makes your life easier. With Salt Lake City Beehive Credit Union Direct Deposit, you will never have to stand in line on payday again! You can have all or part of your paycheck deposited directly to the personal or business account of your choice. (This works for any type of check, including Social Security checks.)

The Salt Lake City Beehive Credit Union website contains all the sign-up forms you need for these and other services. Don’t forget; you can apply for loans, change your address, order checks and apply for new accounts online.

It’s not that we don’t like to see you come into the Salt Lake City office, we simply acknowledge that it is not always convenient in the course of your busy day, and so we have made it easy for you to bank online with Beehive.

Salt Lake City Beehive Credit Union
1467 S. Main St
Salt Lake City, Utah 84115
801-484-8811

http://www.beehivecredit.com

Salt Lake City Beehive Credit Union offers a variety of business loans including SBA loans, business real estate financing and express lines of credit.

Many people in other parts of the country have had a difficult time finding financing in the past few years as the credit market has tightened. Business owners in Murray are fortunate to have a local institution with plenty of money to lend. Beehive banking always offers competitive rates on all our different loan products.

We know that Salt Lake City entrepreneurs are busy managing their companies. The loan application process at Beehive is hassle-free. Our business loan specialists do most of the work for you. Check http://beehivecredit.com/business.shtml for current interest rates.

South Salt Lake business owners can also benefit from Beehive Cash Management. Cash Management is an electronic banking system designed for business banking. It’s secure with password protection and has a variety of business banking features to help you manage your business finances with ease. You can learn more about this powerful tool at our online business loans website.

At Salt Lake City Beehive Credit Union, we provide credit union services designed to protect your information. E-Statements are a secure record of your account activity and cannot be stolen from your mailbox. When contacting us online, be sure to use our online secure form which can be accessed from http://www.beehivecredit.com.

Though online fraud is a continual threat for Salt Lake City credit union bankers, identity theft is more often committed offline.

A recent Javelin Identity Fraud Survey Report contains some surprising facts about identity theft:

The most frequently reported source of information used to commit fraud is a lost/stolen wallet or checkbook.

Among cases where the perpetrator’s identity is known, half of all identity fraud is committed by a friend, family member, relative, neighbor or in-home employee.

The majority of identity fraud crimes are self-detected.

It is important to review your Murray bank or credit union account activity on a regular basis. Obtaining and reading your credit report can also alert you to problems. Ironically, there are a multitude of credit report scams, so be sure to see http://www.beehivecredit.com for instructions on safely ordering a free credit report from an agency approved by the Federal Trade Commission.

If you haven’t read the Salt Lake City Beehive Credit Union fraud alerts on our website, we urge you to do it soon. We hope our members use the valuable information to help protect themselves from identity theft and banking scams.

New Car Sales Tax Deduction
Even if you missed Cash for Clunkers, there are good reasons to buy a new car now. You can deduct state, local and excise taxes for new cars, light trucks, motorcycles and motorhomes purchased before December 31, 2009. Salt Lake City Beehive Credit Union can get you a great rate on an auto loan now, so don’t delay. 2010 is just around the corner!

Green Tax Credits
If you have made green improvements to your home in 2009, you can claim a tax credit. If you haven’t, don’t worry; it’s not too late. This credit will continue for the 2010 tax year. If you need financing to pay for energy upgrades, Salt Lake City Beehive Credit Union can help with a home equity loan or signature loan. Call 801-484-8811 to talk to a friendly loan specialist about which type of loan would work best for you.

I’m Heather Paterakis, Salt Lake City Beehive Credit Union manager.

My knowledgeable team here at the Salt Lake City branch enjoy serving our Salt Lake City customers with their banking needs. Call 801-484-8811 or visit us at 1467 S. Main St in Salt Lake City Utah to learn more about how Beehive Credit Union can help you. You can also log onto our Salt Lake City banking website for information about all our products and services.