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Dear Valued Member,

Each tax season thousands of households claim billions of dollars in Federal and State tax refunds.  That tax refund may be one of the largest lump sum checks you will receive all year.  You work hard for your money and you will want to put some thought into how you use that refund.  Making smart financial decisions is not always easy, but it will definitely benefit you and your family over the long term. 

Here are some tips to get the most value from your tax refund:
  • Save for a rainy day.  Why not give yourself an even bigger return on your tax refund by putting the money into a savings account, term certificate, or IRA account?  Your tax refund will continue to grow if you put it into savings or invest the money.  It’s always helpful to have a savings account to draw from when an unexpected expense comes along.
  • Pay down your debt.  Use your refund for some debt relief.  Pay off your credit card balance.  If you have an outstanding balance on more than one credit card, try to pay off the smaller, high-interest rate balances first.  That will free up more funds to put toward larger balances.  
  • Consider your financial goals.  Trying to save for a house or car down payment?  Hope to contribute to your child’s college tuition?  Consider applying your tax refund toward these goals.  If you don’t yet have a set of short-term and long-term financial goals, put one together.  You’ll be more conscientious about how you spend your refund or any other extra money that comes your way.
When you save with Self-Help Federal Credit Union, not only do we pay competitive rates on your deposits, you’ll help provide economic opportunities for working families. In addition, we offer benefits for seniors and youth, as well as options for saving toward personal goals. Each account is eligible for free e-statements and online access, including a mobile app that allows you to bank with your smartphone.  Inquire at your local branch today, or learn more here.
Keep your Savings out of your Checking Account

Here’s a universal truth:  If you see you have money in your checking account, you will spend it.  Period.  The fast track to building up savings starts with opening a separate savings account.  At Self-Help Federal Credit Union we have savings account products that work for you.  Learn more here.

And, why not consider taking the next step towards financial success.  Schedule a financial check-up with one of our BALANCE financial coaches.  It’s free to all Self-Help Federal members and families. Learn more here.
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Our mailing address is:
Self-Help Federal Credit Union
1970 Broadway, Suite 350
Oakland, CA 94612

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