How would you like to get cash back on every holiday purchase this season? You can, with Murray Beehive Credit Union!

We know that the Murray holiday season is the time you need a little extra. Extra time, extra strength, and a little extra cash. That’s why we are offering a little extra cash back on every purchase you make with your Murray Beehive Credit Union Visa card during the holiday season. That’s right; every purchase you make between November and December of 2008 is eligible for cash back.

So, what are you waiting for? The holidays are just around the corner, and our favorite Murray shopping season is upon us. Use your Murray Beehive Platinum Visa, Gold Visa or Classic Visa credit card for your holiday shopping and get up to 1% cash back on Visa purchases made during November and December. Rebates will be paid in January 2009.

Make a note: Platinum Plus and Debit cards not eligible for this holiday cash back promotion. You will receive up to 1% back on all Visa Platinum, Visa Gold or Classic Visa card purchases made during November and December, 2008. This promotion excludes refunds, and we are limited to $500 cash back per credit card.

Happy shopping!

Would you rather do a little extra shopping this holiday season instead of making another loan payment? Here’s your chance! Murray Beehive Credit Union is allowing you to skip a loan payment this holiday season. It’s our gift to you; enjoy!

We call it our Murray Holiday Charity Skip-a-Payment program, and it’s a great way for you to take a holiday from your loan payment, and to pass the gift along and give someone else a helping hand.

The fee for the Holiday Charity Skip-a-Payment is $30, a portion of which Murray Beehive Credit Union will donate to charity. Contact your local Murray Beehive Credit Union for details, or visit our Skip a Loan Payment page.

Murray Beehive Credit Union allows you to skip up to two loan payments per year, per loan*. We only require that one of the two times be during the November, December or January loan payment period.

*This offer excludes Visa, mortgage loans and construction loans. Additional conditions may apply, so contact your local Murray Beehive Credit Union branch manager for all the details. Give us a call at 804-484-8811.

Is it time to order new checks for your Murray Beehive Credit Union account? Ready for a change? We have a wide selection of checks for your Murray account, from Spongebob and Mickey, to outdoor scenery, to famous artworks and quirky prints that help you express your personality with every check you write. Of course, we have business checks, too.

order checks online from our site, or simply visit our check order page online.

Our Murray check printing partner is Harland Clarke, who specialize in checking and checking account accessories such as rubber stamps, organizers, and even covers and wallets.

We have samples of checks that are available at our local Murray Beehive Credit Union branch office. We welcome you to come in to see them. Or you can browse hundreds of styles and colors and prints at our online check order page. You can order checks online right from your home.

It’s a good idea to order your checks online a few weeks before you plan to run completely out. Printing can take 7-10 days, however a rush order can be done in as few as three days if you need a fast refill.

You will need to enter your Murray checking account number, and the routing number from your account to order checks online. This information can be found on your existing checks. The routing number and your account number are located at the bottom of your check starting at the lower left-hand corner.

The routing number is the first nine digits. Note that there is a four or six digit number that matches the number in the top right-hand corner of your checks that is not part of either the routing number or account number. This number is the sequential number of the check and may come before or after the account number.

Order your checks online today from Harland Clarke, the official supplier for Murray Beehive Credit Union.

Your security and privacy is one of our biggest concerns at Murray Beehive Credit Union. We work hard to protect your information and maintain a safe and secure environment as your financial stronghold.

We have learned that a fraudulent email has been sent out to some of our Murray members claiming to be from Murray Beehive Credit Union. This fraudulent email is falsely warning members that their account has been suspended for a ‘billing failure’. The email asks for the member to update information and has a link to a page that has been made to look like the Murray BeeOnline login screen.

We’re taking this opportunity to remind you that Murray Beehive Credit Union will never ask you to update your information via email.

Online predators will fabricate fraudulent emails in an attempt to trick you into divulging your username and password. They warn you of a false problem with your account, and then lead you to a cleverly disguised website where you are asked to enter your username and password. Once you enter your information, the thieves capture your information and may attempt to use it to gain access to your accounts. The process is called ‘phishing‘, and much like regular fishing, they are sending these emails to thousands of individuals hoping that one or two will bite.

Some important things you need to remember to protect yourself from thieves trying to gain your information via email are:

• Be suspicious of emails that include urgent requests for information. Phishers usually use falsely exciting or upsetting statements to get people to react immediately without thinking.
• Never follow a link if you suspect the message may be fraudulent. Call the company the message is claiming to be from to learn of its accuracy. It’s always safer to type in the address that you normally access the website with. In our case, ‘www.beehivecredit.com‘. Make sure the address in your browser is indeed the address of the site you’re trying to reach.
• Avoid filling out forms sent via email. Never enter your information if you don’t see a picture of a locked padlock in your browser indicating a secure connection. If you are unsure, the best way to confirm is to type he address you know to be correct into your browser.

If you received a phishing email regarding Murray Beehive Credit Union, or have followed a link in an email claiming to be from Murray Beehive Credit Union, please call us as soon as possible so that we can take the steps necessary to protect you and your information.

Call us today at (801) 484-8811 or 800-658-8588.

We are here to help protect you and your information, and are happy to discuss any concerns or questions you may have. We also have more information about protecting yourself from fraud online at http://beehivecredit.com/fraud_alerts.shtml

We appreciate your loyal membership and your vigilance in helping us to protect your information.

-Murray Beehive Credit Union

When it’s payday in Murray do you find yourself spending time waiting in lines to deposit your check? Wait no more! Murray Beehive Credit Union is here to save the day with direct deposit!

Direct deposit is a service we provide that allows your employer to automatically deposit your paycheck or social security check into your personal account. Almost any employer can participate, and we service everyone in the greater Salt Lake City area including Cottonwood Heights and Midvale.

Our direct deposit service is easy to set up, and very convenient for both you and your employer. You will still receive your paystub from your employer each pay period, so you can monitor your account and prepare for taxes, but you won’t have to visit the bank or wait in a line to deposit your check. Direct deposit is very convenient!

That’s right; You can have all or part of your paycheck or social security check deposited directly to the Murray Beehive Credit Union account of your choice. We have even made your Murray direct deposit easy to do with a convenient form that you can download and print. Simply complete the form and give it to your employer to start your direct deposit today!

Download the form from here, and get started today!

Find out more about Murray direct deposit here.

Murray Beehive Credit Union offers a Quick Guide to Mortgage Loans for our community residents in the Salt Lake City area including Cottonwood Heights, Midvale and nearby Holladay. If you live in any of these local areas, or anywhere nearby, we’d like to help you better understand mortgage loans. Just visit our online guide to mortgage loans at our mortgage loan website at:

http://beehivecredit.com/mortgage_quick_guide.shtml

Our Quick Guide to Mortgage Loans covers all the basics in a quick format. The guide is designed to give you enough information about mortgage loans to get you started, and to help you formulate the questions you’ll need to ask in order to successfully apply for a mortgage loan for a home in the Salt Lake City area.

From getting started with an Salt Lake City mortgage loan, to determining what you can afford in the Murray area, our quick mortgage guide will get you off on the right foot. We’ll help you understand the types of mortgage loans you can apply for, and even help you apply for a mortgage online.

We can also help you understand how long it may take to complete the loan application process, and how your credit score will affect your ability to secure a mortgage loan.

Check us out online, or give us a call at your local Murray Beehive Credit Union by calling our neighborly staff at 804-484-8811. We’ll be happy to talk to you about your mortgage loan right over the phone.

We look forward to hearing from you!

-Murray Beehive Credit Union; your guide to mortgage loans

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/

Murray Beehive Credit Union posts the most current loan rates on our corporate website at our online loan rates page.

If you are looking for a home loan, car loan, or even a signature loan, take a look at our online loan rates page and get the latest scoop.

Want up to the minute rates? Give Murray Beehive Credit Union a call. You can reach us at 801.484.8811.

Our online Murray loan rates page features the following posted loan rates:

• Auto loan rates for terms ranging from 36 months to as long as 84 months.
• Recreational vehicle loans including loans for motorcycles and all terrain vehicles.
• Motor home loans and loans for boats and other watercraft.
• Share secure loans including savings accounts, CDs, and money market loans.
• Visa credit cards for purchasing convenience.
• Signature loans for terms ranging from 12 months to 48 months.
• Real estate loans and mortgage loans, including HELOC loans.

Check our loan rate web page to compare our Murray Utah loan rates. When you are ready to apply, you can do that online too; just click here.

Our Murray Beehive Credit Union offers Cash Management for your local Murray business. Cash Management is an electronic banking system that was designed specifically for your Murray business banking. Our online Cash Management banking system provides secure access with password protection and a variety of online banking business banking features to help you manage your Murray business finances with ease and convenience.

As a Murray business manager, you are being stretched in a dozen different directions. Murray Beehive Credit Union is here to help with convenient online business banking solutions that will free up your time and bring you peace of mind.

Cash Management allows you to manage your business online. For starters, you can check balances and transaction history on your accounts; all in real time! You can also view check images online when you need to reconcile. Most importantly, Cash Management from Murray Beehive Credit Union allows you to download account information into the programs you use on your desktop to manage your business finances such as QuickBooks.

Cash Management from your friendly Murray Beehive Credit Union will help you stay on top of the financial side of your business.

In addition to the convenient features mentioned above, Cash Management online banking provides the ability to manage many other aspects of your Murray business online. Here’s a quick look at some of the features you can expect:

Stop payments online from the convenience of your Murray business office. Reorder checks online. Perform online transfers, and wire transfers for convenient payment to your vendors. Schedule recurring transactions online, and set up sweep accounts to help automate the process of maintaining account balances.

Cash Management also allows you to share your access in a secure manner. You have the ability to create access accounts for your trusted employees so that they can help you manage within your Cash Management online banking environment. You also have the ability to close these accounts should the need arise to tighten security.

Cash Management online banking is built for your Murray business. Call one of our Cash Management Specialists to start using Cash Management online banking today! 801-484-8811

Hey Murray, are you ready to go Green? Your local Murray Beehive Credit Union is going green, and making it easier than ever for you to go green, too. Here’s the deal…

Murray Beehive Credit Union is offering an unbelievable introductory rate* on our home equity line of credit of only 4.25 percent! This introductory rate is only offered for a limited time on Murray HELOC loans, so give us a call soon to take advantage.

What will you do with a little extra money? We recommend going green around the house with home improvements. Home improvements can help reduce your energy requirements, reduce your utility bills, and make your living environment more comfortable. In fact, we are offering our Energy Saver$ guide to help you save money on your home improvement, and even in your car. With Murray Beehive Credit Union, it’s easy to go green, save some money and help save the planet!

In addition to our amazing HELOC introductory rate of 4.25 percent, we are offering an exciting list of added value that makes our Murray Beehive Credit Union HELOC loans a terrific deal. Here’s a quick rundown…

No origination fees. That’s right; we won’t charge you to apply for your new home equity line of credit, so there is no risk to getting started.

No closing costs. We don’t charge you to apply, and we won’t charge you to close, either. We told you we are making our HELOC loans easy, and we mean it.

No appraisal required. In most cases, we can close your home equity line of credit without the expense or hassle of an appraisal. This means our HELOC loans are completed faster and easier than you might expect.

No annuals fees. We won’t assign annual fees to your account, which makes planning and budgeting even easier because you won’t get hit with unexpected or once-in-a-while fees that seem to come from nowhere.

Interest only option. In a tight spot? We may be able to help you out with our interest-only payment options. This is a great way to reduce your monthly payment and keep your credit in good shape without loosing control of your account.

Murray Beehive Credit Union’s legendary fast and friendly service. As always, we are here to help you every step of the way. Our legendary friendly service extends to every service we offer, and makes going green a great prospect.

Ready to go green? We’re here to help with the lowest rates on a HELOC loan, and some great tips on going green with your green.

Give your local Murray Beehive Credit Union a call today for low rates on a home equity line of credit. You can reach us at: 804-484-8811.

You can also reach us on the Web at our HELOC webpage: http://beehivecredit.com/heloc2.shtml

*Introductory rate info: After six months at 4.25% the rate reverts to Prime + 0. Additional restrictions may apply. Murray Beehive Credit Union is an Equal Housing Lender. Eligibility and membership required. NCUA Insured. This offer expires November 30, 2008.