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Mar 12, 2021

Stimulus Checks? Check.

The third round of stimulus checks is on its way! If you’re expecting a stimulus check, it’s time to talk game plans. Whether you use it to pay down some debt or add toward your next big purchase, a clear idea will help you make the most of this upcoming relief bill.

What’s in the bill for me? 

Parents! Look forward to an increased 2021 child tax credit of $3,000 per kiddo aged 17 and under. Plus, $600 on top of that for kiddos under 6. Half of what you qualify for will advance in the form of monthly payments from July to December. The rest will come when you file next year’s tax return. 

Does that include me?

If you earn up to $75K (or $150K for couples filing jointly), yes. If you make more than $80K as a single filer (or $160K for joint filers), no. Somewhere in between, you may get a lower amount. This calculator can help you figure out what you’ll get.

How does the gov know how much I make?

Your most recent tax returns have the clues! If you haven’t submitted your 2020 return yet, they’ll use the income on your 2019 return. If you had a pay cut, added a dependent, or changed anything else last year that could get you a bigger stimulus check, file this year’s taxes ASAP. If the IRS starts giving out stimulus money before you file, they can send you the difference later.

Will I have to pay this money back?

Nope! And you won’t owe taxes on it.

What should I do with any money I get?

If you’ve got immediate needs to fulfill, start there. Groceries, bills, medications: make sure those fundamental needs are taken care of. After that, give your emergency fund some love. Because if 2020 taught us anything, it’s that we have no idea what the future holds. 

Paying down credit card debt is another great move to make. A smaller balance = less to pay interest on. 

And if I’m good in those areas?

Stimulus checks not only do good for you, but they also do great things for your local economy! Save it for another special goal of yours! Or, treat yourself to a local shopping trip around your town. Supporting local restaurants, artisans or donating it to your local nonprofits is cool any day of the year. Don’t have anything you need right away? Buy gift cards to your local shops. Gift them to your friends or save them for when the perfect item finds you unexpectedly! 

 

If you’ve got goals, let’s meet! We’re here to support you and answer any questions.

(P.S. – If you’re more of a Social Media person, D.M. us on Facebook or Instagram, and we’ll personally set you up with someone perfect for you and your goals.)

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see what we’ve been up to @altana_fcu
Our Bingo for Life Night on May 9 was such a fun a Our Bingo for Life Night on May 9 was such a fun and meaningful evening, and we couldn't have done it without all of you! Thanks to your generosity, we raised $2,753 for Relay For Life. 💚💜⁠
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A big thank you to the local businesses and individuals who donated prizes, food, and support:⁠
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Bonnie's Xcel 2Go Teas⁠
Beaver Creek Perk⁠
Gram's Ice Cream and Candy Shoppe⁠
Mountain Meadow Massage⁠
Cottonwood Cinema 4⁠
Dyllan's Pizza⁠
Char's Family Dining⁠
Tastefully Simple – Debbie⁠
Pampered Chef – Bobbie⁠
Northern Home Essentials⁠
Sysco⁠
Mike Kellam⁠
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And most of all, thank you to Brandy Kurtz and the Havre Elks Lodge #1201. Your support made this night happen, and we're so grateful!⁠
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This is what community looks like. Thanks for showing up and helping us make a difference in the fight against cancer!
With just two weeks to go until our Havre Bingo fo With just two weeks to go until our Havre Bingo for Life event, we're reminiscing on all the fun we had at Bingo for Life in Billings! 💜💚⁠
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Thanks to our incredible community, we raised nearly $1,800 for Relay for Life of Montana. We're so grateful to everyone who came out, played, and supported such an important cause.⁠
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We can't wait to do it again in Havre on May 9 at the Elks Lodge! Check out the details and RSVP at the link in our bio. See you soon!
Big thanks to Valley Credit Union for rallying the Big thanks to Valley Credit Union for rallying the crew this morning! We had a blast teaming up with them and the rest of our friends at Billings Federal Credit Union and Black Hills Federal Credit Union for the Reality Fair at Senior High. It's always a good time when we get to help students explore real-world financial decisions! ⁠
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#GoBroncs
We're celebrating big wins at #MPRD25 in Austin, T We're celebrating big wins at #MPRD25 in Austin, TX! Altana is honored to bring home three Diamond Awards, recognizing the creativity, dedication, and rich history of our team. ⁠
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A huge congratulations to all the Montana winners and the credit unions across the country pushing innovation forward! Together, we're shaping the future of financial services with a people-first approach. ⁠
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Check out the full list of winners at the link in our bio!🔗
We're renovating! 🛠️⁠ .⁠ Our Downtown Bil We're renovating! 🛠️⁠
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Our Downtown Billings branch is under construction, and we appreciate your patience while we work to complete the project. ⁠
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If you'd rather avoid the noise, we're always happy to service you at our next closest branches! Thanks for your understanding!⁠
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https://altanafcu.org/branches-atms/
🍀Happy St. Patrick's Day! We had a blast strutt 🍀Happy St. Patrick's Day! We had a blast strutting our stuff in the downtown parade with the American Cancer Society!⁠
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Feeling proud and pumped to kick off another year of fundraising for Relay for Life. Here's to making a difference together! 💚💜
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