If you have not yet devised a retirement strategy, now is the time. If your Murray employer offers a retirement plan, hopefully you are taking advantage of it. Many Salt Lake City employers make matching contributions – tax-free money that will earn interest until you retire!

Self-employed Murray residents have to go it alone when planning and saving for their golden years. Murray Beehive Credit Union can help. We offer a variety of retirement savings accounts for Cottonwood Heights and Midvale investors.

A Beehive Individual Retirement Account (IRA) is the cornerstone of many Murray credit union members’ retirement savings plan. We offer a variety of IRAs to meet your needs, including the Traditional IRA, ROTH IRA and a Coverdell Education Savings Account.

Certificate IRAs are also available.

Tiered interest rates offer even higher savings for Midvale and <~NearCityThree banking checking account holders. Whichever IRA you choose, it will undoubtedly help you save for your future with great tax advantages, too. Each individual IRA is insured up to $250,000 by the NCUA.

If you have questions about how to save for retirement, Murray Beehive Credit Union manager Renae Larson would be happy to help you calculate retirement financial needs and choose the best type of account.

Call 804-484-8811 or visit http://www.beehivecredit.com.

If you are evaluating your savings strategy, we welcome you to come in and discuss your savings strategy with an account specialist at Murray Beehive Credit Union. We offer many types of savings accounts, each with unique benefits and features.

Our basic savings account pays a competitive interest rate and requires only a $25 minimum balance. Murray Beehive Credit Union CDs offer higher interest rates. Certificates of Deposit (commonly known as a ‘CD’) allow you to earn higher interest for leaving your money in your account for a set period of time. See our Savings Account Webpage for terms and more information.

If you have at least $5,000 to deposit, you may want to consider a Money Market account. In addition to our basic Money Market account, Murray Beehive Credit Union offers two additional Money Market accounts. Our Online Money Market Account offers some of the highest rates for a Utah credit union account. If you prefer online banking and want to open a Money Market Account, this is the one for you. Visit our Money Market Account Webpage for more information.

The Murray Beehive Credit Union High Yield Money Market Savings Account offers higher interest for higher balances. High yield accounts pay monthly interest on balances of $30,000 or more.

A Murray Beehive Credit Union Smart Save Account is another flexible savings option. Beehive’s Smart Save account allows you to decide how much money you’d like to save in one year. Whether one dollar a paycheck or ten dollars a month, as long as you reach your goal, you earn a CD rate on the Smart Save. When your one year term is up, you’re welcome to roll the money over and keep saving, or take it out and start saving again!

One of the many valuable benefits is the Zero Liability fraud protection and a $250,000 travel insurance policy that is automatically added when you use your ATIRAcredit Platinum MasterCard. Murray Beehive Credit Union offers Extended Warranty Coverage which doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items purchased with your Beehive ATIRAcredit MasterCard.

You may be surprised to learn that it also comes with Price Protection Coverage. If you find a lower price for something you purchased with your Beehive ATIRAcredit MasterCard within 60 days of purchase, you may be eligible for the reimbursement of the price difference. A related feature is Purchase Assurance Coverage. If something you purchased with your Beehive ATIRAcredit MasterCard is damaged or stolen within 90 days of purchase, you may be eligible for coverage of the actual cost of the item.

If you currently have a Murray Beehive Credit Union card, you may have already received letters with information about your upgraded card. Your new card and activation instructions will be sent to you soon. The knowledgeable staff at your Murray area branch will still be there to help you with your account and you will also have access to ATIRA’s 24/7 customer service and online account information.

If you do not have a Murray Beehive Credit Union Platinum MasterCard, now is the perfect time to get one!

• Murray Beehive Credit Union
• 5580 Van Winkle Expy
• Murray Utah84117
• 804-484-8811
• Murray Beehive Credit Union

Murray Beehive Credit Union offers free checking! We call it ‘FreeBee checking‘, and it really is free.

We like to say our Murray free checking is ‘loaded with free’ because there are so many things you get with our FreeBee checking account. For instance, we offer free checks with our free checking account. We also offer free direct deposit from your employer to make it extra convenient to receive your money as soon as it is available.

Other free services include free travelers checks, free ATM access (in network), and free online banking; access your account from any Internet connection!

One of the most popular free features of our free checking accounts is our free Visa credit card. Based on your eligibility, we can provide a free Visa credit card that you can use as an automatic overdraft protection on your free checking account from Murray Beehive Credit Union.

Are you ready for free checking that is truly loaded with free? Come to your local Murray Beehive Credit Union and ask our staff to open a new FreeBee checking account for you. It’s the perfect way to start your first checking account!

You can find our Murray Beehive Credit Union branch at the following address. We look forward to seeing you!

Murray Beehive Credit Union
5580 Van Winkle Expy
Murray, Utah 84117

Read more about our Murray Beehive Credit Union services at http://murray.beehivecredit.com/

• Free Basic Checks
• Free Official Checks
• Free Direct Deposit
• Fee Free*
• Free Visa® Debit Card
• Free Money Orders
• Free Travelers Cheques
• Free use of CO-OP Network ATMs
• Free Visa Credit Card to use as an overdraft source**
• Free Bee-Online Internet Account Access
• Free e-Statements
• Free Bill Pay
• Free Phone-24 Access

Additional Benefits of FreeBee Checking

Dividends
Interest is paid monthly and is calculated on an average daily balance above $500.

FreeBee Plus Checking
Our FreeBee Plus Checking account offers all the benefits of FreeBee Checking with a higher interest rate. The required minimum balance is $20,000 to receive the FreeBee Plus rate.

Automatic Transfer
Set up automatic transfers and use your savings account as an overdraft source.*** Set up transfers from checking to savings for that next big purchase, or make loan or Visa payments with automatic transfer.

Visa Debit Card
With your Visa Debit Card, you can have the financial freedom you’ve been looking for.

One small card in your wallet means you don’t need to carry cash, and there’s no need to haul around a bulky checkbook. Swipe your Visa Debit Card at the checkout counter, get cash back and have the funds taken directly from your checking account. With your Personal Identification Number, which you can select at any Beehive branch, you have free access to your money at any CO-OP Network ATM. Our Visa Debit Cards are accepted anywhere Visa is.

Remember, you can use your debit card just like a check — except it’s a lot easier.

CO-OP Network ATM Access
There are thousands of CO-OP ATMs that allow you to access your money with no service charges or fees. Just look for this symbol for free ATM access.

Direct Deposit
Have your paycheck, Social Security or retirement check deposited directly into your checking account at Beehive Credit Union. Ask your employer for availability and required information or forms. Click here for more information.

Open your FreeBee Checking Account today!
Visit your local branch or apply online.