Build Momentum with a Money Market Account

If you want your refund to stay accessible while still earning more than a traditional savings account, a HomeTown Money Market Account can be a great place to start.

HomeTown’s Money Market account allows you to:

• Earn competitive dividends on higher balances
• Maintain easy access to your funds
• Enjoy flexibility while your money continues to grow

This option can be ideal if you’re building an emergency fund, saving for an upcoming goal, or simply want your refund to earn more without locking it away.

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Lock In Growth with Share Certificates

If you don’t need immediate access to your refund, consider putting it to work in a HomeTown Share Certificate. Share Certificates allow you to earn a guaranteed rate over a set term — offering peace of mind and predictable growth.

Benefits of HomeTown Share Certificates include:

• Fixed dividend rates for the length of the term
• A low-risk way to grow savings
• Flexible term options to match your timeline

This can be a smart choice for members who want stability, consistency, and confidence in their savings strategy.

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Invest in Your Future with an IRA

Another potentially powerful way to use your tax refund is by investing in your retirement. Contributing to an Individual Retirement Account (IRA) with HomeTown can help you build long-term security while taking advantage of tax benefits.

HomeTown offers both Traditional and Roth IRAs, allowing you to:

• Save for retirement in a tax-advantaged way
• Supplement workplace retirement plans
• Take meaningful steps toward long-term financial independence

Even a single tax refund contribution can make a difference over time.

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Partner With Servion Financial Advisors for Customized Investment Plans

HomeTown Credit Union has had a relationship with Servion Financial Advisors for many years now, providing our members with a trusted, Minnesota resource for retirement portfolio management and wealth-building strategies above and beyond your typical financial institution.

Financial Advisor, Dave Murdock, says, “meeting with an advisor for the first time is often an anxious moment for people, but initial meetings are more about determining if the advisor is a good fit and someone you can trust.” Dave and his team treat every initial meeting as an opportunity to assist clients with getting the most out of life financially.

Through HomeTown’s relationship with Servion Financial Advisors, our members get access to:

A financial advisor who asks the right questions:

• What short- and long-term goals should this money support?
• How can part of this refund potentially grow in a tax-efficient way?
• How does this fit into a broader financial plan?

A financial advisor that works with members to:

• Identify investment options that align with their goals and risk tolerance
• Coordinate tax-efficient strategies alongside existing deposit accounts
• Help maximize the long-term value of a tax refund

Connect with Dave Murdock or another Servion Financial Advisor by visiting the link below.*

Connect with an Advisor

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Just Looking for Budgeting Tips and Tricks?

If you’re not ready to retire or invest but are interested in learning about other resources that HomeTown has for Financial Education, our Community Engagement Coordinator may be the perfect place to start.

At HomeTown Credit Union, we are proud to offer financial coaching services led by staff who hold the Certified Credit Union Financial Counselor (CCUFC) certification. This ensures our team is trained to provide trustworthy, unbiased guidance on everyday financial topics like budgeting, credit building, debt management, and goal setting. We work one-on-one with members to help you understand your financial situation and create realistic plans—without judgment and at no cost.

Financial coaching is available to help with:

• Building and maintaining a budget
• Understanding credit scores and reports
• Managing debt and planning next steps
• Setting financial goals

Whether you’re just getting started or working through a financial challenge, our CCUFC-certified staff is here to support you every step of the way. Financial wellness is a journey—and you don’t have to take it alone.

Schedule a Coaching Session Now

Let's Make the Most of Your Tax Refund—Together.



 

_{*Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. Investments are: Not FDIC/NCUSIF insured | May lose value | Not financial institution guaranteed | Not a deposit | Not insured by any federal government agency.}

_{The opinions are those of the writer, and not the recommendations or responsibility of Cetera Wealth Services, LLC or its representatives.}