How a Tax Refund Can Help Jump‑Start Savings Goals

ROME, NY – FEBRUARY 17, 2026: Tax refund season gives many people a chance to pause and think about their financial goals. Receiving a refund can provide a meaningful boost to put toward savings, pay down debt, or simply plan ahead. AmeriCU Credit Union encourages members to consider how even a portion of their refund could help strengthen their savings and set a positive tone for the year ahead.

Rather than spending the refund all at once, members may consider a few simple strategies to make the most of it:

• Set aside a portion first: Saving part of a refund before using the rest helps create momentum toward future goals.

• Prioritize emergency savings: Building or replenishing an emergency fund provides peace of mind when unexpected expenses arise.

• Keep savings accessible but separate: Placing refund dollars somewhere designated for savings helps reduce the temptation to spend while still allowing access if needed.

For members looking for flexibility, a high-yield checking account can be one option to hold refund dollars while earning more than a traditional checking account. This approach allows funds to remain accessible for everyday needs and supports broader savings efforts.

“A refund might feel like just a one-time boost, but it represents a real opportunity to reset and look ahead,” said Ron Belle, President and CEO of AmeriCU Credit Union. “Being intentional with even a portion of that money helps build confidence and create a stronger foundation for the year ahead.”

To learn more about how AmeriCU can help you achieve your financial wellness goals, visit www.americu.org/americu-savings-challenge.

About AmeriCU Credit Union

As a credit union, AmeriCU is a not-for-profit financial institution owned by our members. Serving 24 counties in New York and beyond, AmeriCU provides you with all the products and services you need – often with low or no fees, and better rates. AmeriCU has grown to serve more than 200,000 members, 25 financial centers, and $2.9 billion in assets, while remaining dedicated to building meaningful connections with members and supporting the various local communities it serves. AmeriCU is headquartered in Rome, New York, and is among the State’s largest, full-service financial cooperatives. For more information, visit www.AmeriCU.org. Equal Housing Lender – Federally Insured by NCUA – Membership Eligibility Required.