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Nearly eight out of ten U.S. tax filers will receive a federal tax refund this year.  “Smart use of your tax refund can start you on the path to long-term financial security,” says Ken Walsh, President.   “Instead of going on a spending spree, take a moment to evaluate your financial situation and decide on where those dollars will make the most difference.” 

Save for emergencies.  Open or add to a savings account that serves as an “emergency fund.” Ideally, it should hold about three-to-six months of living expenses in case of sudden financial hardships like losing your job or having to replace your car.

Pay off debt.  Pay down existing balances either by chipping away at loans with the highest interest rates or eliminating smaller debt first.

Save for retirement. Open or increase contributions to a tax-deferred savings plan like a 401(k) or an IRA. 

Put it toward a down payment. If you intend to buy a new home in the near future, putting your tax refund toward the down payment is a smart move. 

Invest in your current home.  Use your refund to invest in home improvements that will pay you back in the long run by increasing the value of your home.  This can include small, cost-effective upgrades like energy-efficient appliances that will pay off in both the short and long term.





Ruby Valley National Bank is proud once again to announce applications are being accepted for the opportunity of winning a $750 scholarship!  For eligibility information, please click here.  Since 2003, Ruby Valley National Bank has recognized 47 area high school graduates with over $32,600 in scholarships.  The scholarships are facilitated through the Twin Bridges School and Community Foundation. 


To access the scholarship application in Word format, please click here.


The application is due back to Karen Town by Friday May 1, 2015 and can be dropped off at either Bank location or mailed to Ruby Valley National Bank, P.O. Box 417, Twin Bridges  MT 59754.  Recipients will be announced on May 14, 2015.  For more information please call 684-5678 or email ktown@rubyvalleybank.com