Phishing Email Scams

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Phishing is one of the most common types of scams. You get an email that looks like one you've received from a company or individual before... everything looks authentic… same logos, same color schemes, same format… but it’s not from that company. It’s from a scammer and it’s requesting something as simple as a password change. You click a link and follow instructions and before you know it, a fake company now has your information.

How do you avoid a phishing email? Be cautious of clicking links. If you receive an email... even if it's from a familiar source... double check before you click. Go directly to a company's website to do things like change your password or update payment info or if it's from someone you know, call them to confirm the link is real before you click.

Fake Software Updates

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“Update Adobe Flash”… “Install a Plug In”… “Download the Latest Version”… Pop-ups can be alarming, but you should NEVER CLICK ON THEM. Scammers use pop-ups to lead you to a page where they can collect your information, install viruses on your PC or even lock you out of your computer and demand a ransom. 

If you get a pop-up, X out of it immediately. If it’s something you think is needed on your computer, research first and always go directly to the source before you try to download anything. If you need to download the latest version of Flash, go to Adobe’s website to get your download and information about installing it.

Online Shopping Scams

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You're eyeing an adorable dress on Facebook's new feed and it continues to show up when you're scrolling, but you don't recognize the vendor. It's probably just a small business, but be wary of website and ads for companies you're not familiar with. Fake links and websites are easy for scammers to create. You might think you’re going to a cute online boutique, but you’re actually giving all your personal info, including your credit card number to someone who will abuse that information.

The best way to avoid online shopping scams is to be diligent about where you shop online. Only shop on websites that you know are legitimate and have been proven safe. You don't have to avoid small businesses online altogether, but research the organization before you buy and always go directly to the site, rather than clicking a link.



Let Us Help Ease Your Financial Burden.

In times of uncertainty, Beacon remains committed to our member’s financial success and well-being. In response to those that may have been financially affected by the COVID-19 pandemic, we offer several member relief programs including:

  • Skip-A-Payment on Consumer Loans – Watch for an email that will go out on March 31st to eligible members.
  • Loan Extensions – Available for member's financially affected by COVID-19.
  • Emergency Relief Loan – loans up to $1,500 at a low interest rate of 5% APR*for 12 months. Delay your first payment up to 90 days.
  • Early Certificate Withdrawals*
  • Automatic VISA Card & Overdraft Line of Credit Increases for qualified members**

*Subject to approval. Minimum Share withdrawal of $10,000. No partial withdrawals.

**Subject to approval.


The health and well-being of Beacon’s members and employees is our highest priority. To minimize our employees and your exposure to the COVID-19 virus, Beacon would like to encourage you to use the drive-thru, ATM or our online services for all routine transactions such as deposits, check cashing or withdrawals. Our lobby is open and ready to service all your banking needs, but please consider the other options mentioned above.


Beacon Credit Union continues to monitor the COVID-19 situation in all of our branches and service departments. Our priority is for the safety of our community and staff. We would like to share information on how we are addressing this concern in our establishment.

Our branches and lobbies will remain open. However, we do encourage you to use the drive-thru when possible to help reduce contact with other individuals.

We will sanitize and regularly disinfect highly touched surfaces and reduce handshaking and physical contact. We encourage the public to review the recommendations from the Center for Disease Control (CDC) on how to reduce the spread of the virus. There are several ways to conduct your business with Beacon from your home during the COVID-19 concern. For example:

Be aware that cybercriminals may use this time to launch phishing attacks, possibly citing the latest virus updates. Also, use caution when opening email links or opening attachments. Beacon does not ask for personal information via email or phone.

If you have questions or concerns, please feel free to contact us at 434-237-1566 or 1-800-868-6655. Our service center is open from 7am and 7pm, Monday through Friday. Follow our website for additional updates.

During times of financial hardship, we understand the need of quick funding for immediate expenses. If you've been financially impacted by unforeseen circumstances, we're here to help. Beacon's Emergency Relief Loan offers loans up to $1,500 at a low interest rate of 5% APR. On top of that, you can delay your first payment up to 90 days.  

Beacon's Emergency Relief Loan offers:

  • 90-day delayed first payment
  • Loans from $500-$1,500
  • Low 5% APR*
  • 12-month loan term

Opening an Emergency Relief Loan is quick and easy. Either apply online and select personal loan with the purpose of Emergency Relief or visit a Beacon branch.

Apply Online

*Annual Percentage Rate. This loan is intended for those financially affected in some way due to the Covid-19 pandemic. Subject to credit approval. Available only to members in good standing who are not 30 days or more past due for any loan or credit card account. Example of payments on a personal loan of $1,500 with a repayment term of 12 months at 5% APR and first payment due 90 days after the loan is established: 11 payments of $129.40 per month; final payment of $129.56. Offer expires June 30, 2020. Offer may expire earlier at the credit union's discretion. Interest will begin to accrue immediately upon disbursement.Federally insured by NCUA.

This seminar has been postponed. We will update when a later date is selected.

 First-time Homebuyers Seminar

Guest Speaker: Athena Bobbitt, Athena Home Inspections
Thursday, March 19, 2020
6:00 pm: Refreshments / 6:30 pm: Seminar
107 Leroy Bowen Drive
Lynchburg, VA

If you're looking to purchase your first ever home or if it's been awhile and you need a refresher, then this is the seminar for you.  Learn more about what to expect when purchasing a home and the best-kept insider secrets.  

Space is limited  

click here to RSVP 

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