Did you know you can apply for a loan online from the comfort of your Riverton home? You can, at Beehive Credit Union!

Visit our site right now and apply for a loan online; just Click Here (http://beehivecredit.com/loans.shtml) to get started.

Whether you need an auto loan or a construction loan, applying has never been easier. It only takes a few minutes, and you can do it, conveniently, from the comfort of your Riverton home. You can even apply online for a signature loan.

Not ready to apply online for a loan? We welcome you to visit us at our local Riverton, Utah Beehive Credit Union and meet with us in person to discuss your loan application. Our courteous staff is always available to visit with you and answer any questions you may have about applying for a loan.

You can apply for a loan in person in Riverton at 13413 S Hamilton View Road, Riverton, Utah 84065.

Or you can give us a call at 801-446-9252.

Whether you apply for a loan online, or in person at our local Riverton, Utah location, we look forward to hearing from you.

Ready to apply online? Follow these links to get to our convenient online loan applications:

If you are a member of Beehive Credit Union in the Riverton area, Click Here to apply for a loan online.

If you are new to Beehive Credit Union, and live in the Riverton area, Click Here for our New Member online loan application.

You can find more information about the type of loans we offer by visiting our Beehive Credit Union Loans page at http://beehivecredit.com/loans.shtml

Give us a call; we’re here to answer your questions about our online loan application process, and can help you get you started right over the phone!

Our Riverton Beehive Credit Union offers Cash Management for your local Riverton business. Cash Management is an electronic banking system that was designed specifically for your Riverton 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 Riverton business finances with ease and convenience.

As a Riverton business manager, you are being stretched in a dozen different directions. Riverton 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 Riverton 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

Riverton Beehive Credit Union offers a Quick Guide to Mortgage Loans for our community residents in the South Jordan area including Eagle Mountain, Cedar Fort and nearby Harrimen. 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 South Jordan area.

From getting started with an South Jordan mortgage loan, to determining what you can afford in the Riverton 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 Riverton Beehive Credit Union by calling our courteous staff at 801-446-9252. We’ll be happy to talk to you about your mortgage loan right over the phone.

We look forward to hearing from you!

-Riverton Beehive Credit Union; your guide to mortgage loans

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

Riverton 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 Riverton 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 Riverton 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 Riverton 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.

Riverton 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 Riverton Beehive Credit Union a call today for low rates on a home equity line of credit. You can reach us at: 801-446-9252.

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. Riverton Beehive Credit Union is an Equal Housing Lender. Eligibility and membership required. NCUA Insured. This offer expires November 30, 2008.

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!

Riverton 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 Cedar Fort 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 Eagle Mountain 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 Riverton 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!

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Getting a home loan in Riverton involves a number of steps that will help you determine an affordable cost and to plan for responsible repayment. Here is a quick review of the steps and some helpful tips for you to consider.

When you are ready to apply for a Riverton home loan, please contact us at Beehive Credit Union. We specialize in Riverton home mortgagesand have a team of experienced mortgage specialists to help you through the tricky parts.

Determining an affordable mortgage payment for your circumstances.

You probably live in Riverton, or one of our other great Utah cities. And you want to be responsible about your finances. This means you likely want to take a conservative, realistic approach to your home mortgage. Consider all your financial requirements as you determine the amount you can afford each month on a home.

Take into account your monthly budget for utilities, household supplies, food, and entertainment. You will also need to consider other loans or outstanding demands on your monthly budget. Measure these against your monthly income to give you a better idea of how much you have available for a home mortgage.

Selecting the right mortgage with the best rate and lowest fees.

Riverton Beehive Credit Union offers home mortgages with the best rates available. In fact, we provide a free online loan calculator that will help you consider many factors that effect your Riverton home mortgage loan payment. Our online loan calculator allows you to calculate the number of months you want the loan for, the interest rate, the loan amount, annual tax and even insurance. Simply plug your own custom numbers into the form and we’ll automatically calculate the results for you.

Use this information to help you plan your budget and determine the range you can afford. Our Riverton mortgage specialists can help you make sense of the numbers, and can offer advice on selecting a range for your loan amount. We invite you to give us a call at any point in your planning; we’re here to help. You can reach us in Riverton at 801-446-9252.

Selecting the home itself.

We can’t help you select a home that is right for you, but we can help you prepare for the moment you find the right place. Consider pre-qualifying for a home loan before you start your search. Pre-qualifying for a home mortgage empowers you to make a decision about your new home without the worry of qualifying for a home loan while others might be looking at the home you have chosen.

Many real estate agents prefer home buyers who are pre-qualified for a loan because it makes the negotiation process easier, faster, and gives you a ‘leg up’ in the negotiations because you are prepared to make an immediate offer (a great advantage in today’s market).

Your Riverton Beehive wants you to get the right home mortgage loan that will allow you to get the home you want while saving money on rates and fees. Our Riverton home loan mortgage specialists are ready to meet with you. We offer friendly, courteous service and can usually give you an answer on a home mortgage loan request within a few minutes. Once the paperwork is complete, we can usually close a home mortgage loan within 7 days.

Call 801-484-8811, or toll free 1-800-658-8588 from Riverton or anywhere in Utah to make an appointment to meet with our Riverton mortgage loan specialist and get started with your mortgage loan today.

Your security and privacy is one of our biggest concerns at Riverton 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 Riverton members claiming to be from Riverton 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 Riverton BeeOnline login screen.

We’re taking this opportunity to remind you that Riverton 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 Riverton Beehive Credit Union, or have followed a link in an email claiming to be from Riverton 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.

-Riverton Beehive Credit Union

Every Cedar Fort and Harrimen 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 Riverton Beehive Credit Union, you don’t have to worry about tricks used by predatory lenders to take advantage of unsuspecting Riverton borrowers.

Riverton Beehive Credit Union has been part of your community for over sixty years. We have financed home loans for many of your Eagle Mountain friends and neighbors and look forward to serving Harrimen families for many more years to come. Our courteous home loan specialists walk first-time South Jordan 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. Riverton Beehive Credit Union simplifies a major part of the transaction, the mortgage application process.

Contact one of our loan officers at 801-446-9252 for more information about South Jordan mortgage financing.

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The convenience of the Internet is sure making life easier for everyone in Riverton. For instance; did you know you can receive your Riverton Beehive Credit Union account statement online? Not only is it true, it’s fast, safe, convenient and free. All you have to do is sign up to receive our free online statements. You can do it all from the comfort of your Riverton home.

Fast. Your free online eStatement is available to you as soon as it is published. We’ll send you an email notification once each month, the moment your Riverton online statement is available.

Safe. You will receive your free online statement in your account in our secure login area. Your free online statement can only be read by you, and cannot be accessed by anyone who does not have access to your secure username and password. Our free online account statement provides some additional peace of mind, too, because there is no paperwork to get lost or stolen in the mail.

Convenient. You can access your free online account statement from any computer that is connected to the Internet. You can view or download your account statement online, and can even view images of your checks!

Free. Our free online statements are free to all account holders. No extra charges or hidden fees. There is really no reason not to sign up today!

With online eStatements, you can eliminate paper, clean up your desk, and save a tree. We’ll keep a 12-month record of eStatements in your account for easy viewing whenever you want. You can also download a copy of your free online eStatement to your computer hard drive for backup and storage. Of course you can even print them out at home if you want to.

To sign up to receive Riverton Beehive e-Statements, visit our main website at http://www.beehivecredit.com and click on the Bee-Online button. Enter your account number and PIN in the secure login form and then click on the e-Statements button to register. Your Bee-Online Personal Identification Number (PIN) is the same as your Beehive Phone 24 PIN. In order to protect your confidentiality, we cannot establish first-time user PINs online.

Once you are registered, you will receive a monthly email notification when your free online statement is ready for viewing.

Free online eStatements from Riverton Beehive Credit Union, they really are fast, safe, convenient and free!

At Riverton 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://beehivecredit.com.

Though online fraud is a continual threat for Riverton 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 South Jordan 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://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 Riverton 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.

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