Family holding sign that says 'Home'.

Your lifestyle changes over time and so can your Mortgage loan. Save money, improve your term or borrow a little extra to increase the value of your home by refinancing your current loan with Beacon.

Beacon Mortgage Lenders can walk you through the steps to...

  • lower your payment.
  • shorten your term.
  • get a better rate.
  • process your refinance quickly.
  • obtain a loan that fits your lifestyle.

You can apply online or call us at 434.237.1566 to get started.

Apply Online

1. Don't Procrastinate

Last minute applications are usually full of errors. Start preparing a few weeks in advance so you have plenty of time to write, edit and share with others before you send it in.

2. Print Multiple Applications & Practice

Scratch throughs and white out corrections look unprofessional on a Scholarship application. Be sure to write clearly and legibly and if you make a mistake, start a new application. If you're able, typing your response provides a clean and professional appearance.

3. Edit, Edit, Edit

Your application and everything submitted with your application should be read through multiple times before you submit it. Having a second person read through everything is always a good idea as well.

4. Make your Essay Stand Out

Your essay doesn't have to be the next contender for the Nobel prize in literature, but it does have to be clear, concise and thoroughly edited. Read your essay out loud... if you get stuck on a sentence when reading it out loud, it could probably use some revision. 

5. Special Paper

Using special paper for your app and the materials you attach to the application will add a touch of professionalism to your overall scholarship packet... something clean and nice, maybe with a subtle texture... not too thick and no pictures or fancy designs on the paper. 

6. Stick to the Basics

Don't tell the scholarship committee about the time that your Dad saved the neighbor's cat from a tree. Stick to the information requested on the application that is relevant to your education, community and school experiences.

7. Package and Mail

Don't wrinkle, crease or bend your materials. If your scholarship app looks like it was balled up and thrown at the wall (see # 2... print multiple apps), it will be difficult for the committee to read. Use a large envelope to mail your materials so that everything is flat and neat. Also, you may consider stapling or purchasing a cover for your packet, so that everything stays together.

We look forward to reading all the wonderful essays and wish everyone good luck! You can download a 2021 Scholarship Application below. The deadline is Tuesday, April 6, 2021.

Scholarship Application

Three point one nine percent APR HELOC Promo. African American woman holding paint roller.

Ready to make those much needed repairs to your home? Unlock your home's potential with Beacon.

Whether your replacing your roof, updating your appliances, or even adding a pool, don't miss out on this limited time offer! Beacon Credit Union extends a low intro rate of 3.19% APR* on a Beacon Home Equity Line of Credit. Just imagine the endless possiblities of home improvement.

  • Update those dated kitchen countertops and cabinets
  • Install carpet or hardwood floors
  • Build a New Deck
  • Apply a Fresh Coat of Paint
  • Upgrade a Room with New Furniture

We'll pay your closing costs up to $500**!

Apply Today!

Apply Online

Or visit your favorite branch today!


*Annual Percentage Rate. All offers subject to credit qualification. To receive the discounted introductory rate the client must take an initial draw at closing from the new line of credit greater than or equal to $25,000. Initial balances of greater than or equal to $25,000 as well as any other outstanding balances on your new line of credit during the first 12 months after loan closing date will be calculated at the introductory variable rate. After 12 months, the variable rate will be the Prime rate, plus or minus a margin. Margin will be determined by a number of factors including, but not limited to, your credit score. Prime Rate as published by Wall Street Journal, ten days before the end of the prior month (called the “Index”). As of March 16th, 2020 the variable rates for home equity lines of credit are 3.25%-10.75% APR. The maximum APR that can apply during the term of the Line of Credit is 24% or the max permitted by state law, whichever is less. 10 year draw period and 15 year repayment period. Offer only available on properties in Virginia and North Carolina.

This offer is limited to owner-occupied, single-family dwellings and is not valid for rental properties, cooperatives, mobile homes or residential lots. There is no origination fee charged to open a Beacon Home Equity Line, however a minimum share account balance of $25 is required for membership. Closing costs range between $0 and $10,000, of which Beacon will cover the first $500 (see closing cost promo details below). Property insurance and flood insurance, where applicable, may be required. All credit union programs may change or end at any time.

**Closing fees that will be covered, up to $500, by Beacon are appraisal fees, title work, flood determination fees, notary fees, deed recording costs, lenders title insurance and attorney’s fees. Any additional fees required will be the responsibility of the member at closing. Early payoff and closure of credit line (within 36 months) may require remittance of any closing costs Beacon paid on your behalf.

Reach your Credit Card Goals with Incredible Savings!

Now that the dust has settled from the holidays, are you ready to start 2021 off by saving money? If you're tired of those high interest rates that come along with department store and high-rate credit card purchases, then Beacon has the answer for you. For a limited time, Beacon is offering a credit card balance transfer with unbelievable rates. 

Choose between a 0% APR* for fifteen months OR a low introductory rate, starting at 3.99% APR** for twenty-four months! Just imagine the balances you'll pay off and the money you'll save.

To learn more, call us today at 434.237.1566 or click the button below to apply online.

Apply Online

 

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*Introductory APR (Annual Percentage Rate) of 0% is for a period of (15) billing cycles. After that your APR will revert to the prevailing rate of the approved VISA card. This APR will vary with the market based on the Prime Rate. This offer applies to the transfer of a non-Beacon credit card balance to a new or already existing Beacon credit card. There is a balance transfer fee of 3% of the amount of each balance transfer associated with this promotion. Transfers must be in amounts not less than $2,500.

**Introductory APR (Annual Percentage Rate) is based on credit qualification and can range between 3.99% and 5.99%. This APR is for a period of (24) billing cycles. After that your APR will revert to the prevailing rate of the approved VISA card. This APR will vary with the market based on the Prime Rate. This offer applies to the transfer of a non-Beacon credit card balance to a new or already existing Beacon credit card. There is a balance transfer fee of 2% of the amount of each balance transfer associated with this promotion. Transfers must be in amounts not less than $2,500.

All offers are subject to credit approval. Terms and conditions apply. Beacon reserves the right to end this offer at any time.

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