1) What is your loan balance?
The loan balance for your West Jordan 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 West Jordan 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?
Lehi and Riverton 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 South Jordan 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 Herriman mortgage loan. You can apply at http://www.beehivecredit.com/contact_locations.shtml.

In addition to lowering your monthly payment, refinancing your West Jordan 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 South Jordan Beehive Credit Union simplify the refi process. Contact us today!

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

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

A Beehive Individual Retirement Account (IRA) is the cornerstone of many South Jordan 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 Riverton 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, South Jordan Beehive Credit Union manager Eileen Skiles would be happy to help you calculate retirement financial needs and choose the best type of account.

Call 801-484-8811 or visit http://www.beehivecredit.com.

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 South Jordan 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 South Jordan 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. Lehi TurboTax users know why it is the best-selling tax software in the country.

If you usually hire a West Jordan 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 South Jordan Beehive Credit Union and TurboTax, filing your taxes has never been easier!

South Jordan 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.

South Jordan 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 South Jordan 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 South Jordan Beehive Credit Union member but have business accounts at another Utah bank, you might want to consider transferring your business accounts to South Jordan Beehive Credit Union.

South Jordan Beehive Credit Union is the perfect partner for West Jordan 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 Lehi banks and Riverton 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.

South Jordan Beehive Credit Union is located at 10404 S. Redwood Rd in South Jordan. Our phone number is 801-484-8811. If you have questions about business banking, you may call manager Eileen Skiles or a courteous 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.”

South Jordan 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 West Jordan 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 South Jordan 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.

Lehi 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.

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

South Jordan Beehive Credit Union has been part of your community for over sixty years. We have financed home loans for many of your Lehi friends and neighbors and look forward to serving Herriman families for many more years to come. Our courteous home loan specialists walk first-time West 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. South Jordan 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 West Jordan mortgage financing.

If you have never used South Jordan Beehive Credit Union South Jordan 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, West Jordan gas and electric bills, credit card payments, Riverton cable TV, and Utah internet service providers, just to name a few.

South Jordan 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 South Jordan branch at 10404 S. Redwood Rd in South Jordan to talk to an account specialist.

South Jordan Direct Deposit is another Beehive service that makes your life easier. With South Jordan 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 South Jordan 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 South Jordan 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.

South Jordan Beehive Credit Union
10404 S. Redwood Rd
South Jordan, Utah 84095
801-484-8811

http://www.beehivecredit.com

Use our South Jordan loan calculator to help you determine the loan financing amount and payment options that are best for you. This can be used as a calculator for mortgages or any type of loan.

The values are currently set for a 30-year mortgage (360 months) at 6.0% interest with a borrowed amount of $100,000, but you can change the values to reflect the loan you are looking for. To help you calculate a total payment, you can add monthly taxes and insurance (this also works for car loans if you want to know the total cost per month of the car).