Tax season has officially arrived! As you file each year, it’s crucial to stay up-to-date on the latest policies and tips to ensure you’re filing everything you need and maximizing your tax refund.
Here in this blog, we’ll review what you need to deposit your tax refund with American Heritage, as well as products and offerings to consider to make the most of it. We’ll also review the new IRA contribution limits for 2026 and ways to protect your information when filing your taxes.
The fastest way to receive your tax refund is to set up direct deposit for your American Heritage account. All you need is our routing number 236082944 and your 13-digit account number. Of course, you can always visit a local branch to deposit your refund check. You can also deposit checks via Mobile Teller.
| You can find your full 13-digit account number on your checks or on Online Teller under "Profile" > "Other Options" > "View Membership Card." To find your account number on our Mobile Teller app, click "More" then "View Membership Card." |
You can access your tax forms from American Heritage by logging into Online Teller. Navigate to the “Services” tab and click on “IRS Tax Forms” from the dropdown menu. You can view and download the documents that apply to you from this page.
The IRS has recently put forth the Traditional and Roth Individual Retirement Account (IRA) contribution limits effective 1/1/2026. The new amounts can be found here. Here's a quick look at the basics — remember that contribution limits are shared between Traditional and Roth IRAs:
Filing Status |
2025 Income Range |
2026 Income Range |
Deduction Limit |
| Single or head of household (and covered by retirement plan at work) | $79,000 or less | $81,000 or less | Full deduction |
| More than $79,000 but less than $89,000 | More than $81,000 but less than $91,000 | Partial deduction | |
| $89,000 or more | $91,000 or more | No deduction | |
| Married filing jointly (and covered by retirement plan at work) | $126,000 or less | $129,000 or less | Full deduction |
| More than $126,000 but less than $146,000 | More than $129,000 but less than $149,000 | Partial deduction | |
| $146,000 or more | $149,000 or more | No deduction | |
| Married filing jointly (spouse covered by retirement plan at work) | $236,000 or less | $242,000 or less | Full deduction |
| More than $236,000, but less than $246,000 | More than $242,000 but less than $252,000 | Partial deduction | |
| $246,000 or more | $252,000 or more | No deduction | |
| Married filing separately (you or spouse covered by retirement plan at work) | Less than $10,000 | Less than $10,000 | Partial deduction |
| $10,000 or more | $10,000 or more | No deduction |
Filing Status |
2025 Income Limits |
2026 Income Limits |
Contribution Limits |
| Single, head of household, or married filing separately and you did not live with your spouse at any time during the year | Less than $146,000 | Less than $153,000 | 2025: $7,000 ($8,000 if age 50 or older) 2026: $7,500 ($8,000 if age 50 or older) |
| More than $150,000 but less than $165,000 | More than $153,000 but less than $168,000 | Reduced contribution | |
|
|
$165,000 or more
|
$168,000 or more | Contribution not allowed |
| Married filing jointly or qualifying widow(er) | Less than $236,000 | Less than $242,000 | 2025: $7,000 ($8,000 if age 50 or older) 2026: $7,500 ($8,000 if age 50 or older) |
| More than $236,000 but less than $246,000 | More than $242,000 but less than $252,000 | Reduced contribution | |
| $246,000 or more | $252,000 or more | Contribution not allowed | |
| Married filing separately (if you lived with spouse at any time during year) | Less than $10,000 | Less than $10,000 | Reduced contribution |
| $10,000 or more | $10,000 or more | Contribution not allowed |
If you are filing your taxes as an individual, you can choose between two filing services provided at no cost to you through IRS Free File: Guided Tax Software or Fillable Forms. If you have an adjusted gross income of $89,000 or less, you can qualify for the Guided Tax Software through a trusted partner of the IRS to receive federal and state tax preparation to complete your free federal tax return. Regardless of your income, the IRS has free fillable forms that walk you through the electronic process of federal tax filing.
As a member of American Heritage, you’ll also have access to our tax filing discounts with TurboTax1® & H&R Block2®.
Remember, the IRS and state tax authorities will never reach out by phone, email, text, or through social media to ask for personal or financial information or demand immediate payment. They also will not require that taxes be paid with a prepaid/reloadable debit card, gift card, or money wires through services like Western Union or MoneyGram.
Here are a few tips to help you avoid a tax scam:
If you're looking for more ways to boost your security during this hot time of year for scammers, check out these tips.
There are lots of different ways you can maximize your tax refund if you receive one. Some smart ideas to use your tax refund may include:
We also have several IRA specials for your shorter, intermediate or long-term retirement needs. Our IRAs range from 3 to 60-month terms and feature competitive IRA rates that can help you reach your savings goals faster! With your tax return, take advantage of our tax-time special—a 12-month Certificate at 3.91% Annual Percentage Yield3. Apply today to lock in with this rate!
Don't forget, Traditional IRA as well as Roth IRA contributions must be made by the April tax deadline of any given year. The due date for taxes and IRA contributions this year is Wednesday, April 15, 2026.
Still deciding whether a Traditional or Roth IRA is right for you? Here's the breakdown.
1TurboTax Offer: Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2024. Discount applies to TurboTax federal products only. Actual prices are determined at the time of print or e-file and are subject to change without notice. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.
2H&R Block Offer: H&R Block Offer: void if sold, purchased, or transferred and where prohibited. No cash value valid at participating U.S. offices only A new client is an individual who did not use H&R Block or Block Advisors office services to prepare their 2023 tax return. Discount valid only with or for preparation of an original 2024 personal Income tax return. Coupon must be presented prior to completion of initial tax interview. Discount may not be combined with any other offer or promotion. Expires October 15, 2025. OBTP# 13696-BR ®2024 HRB Tax Group, Inc. All tax situations are different. Not everyone gets a refund. See hrblock.com/guarantees for complete details.
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Important Disclaimers
4Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. American Heritage Credit Union and American Heritage Investment & Retirement Center are not registered as a broker-dealer or investment advisor. Registered representative of LPL offer products and services using American Heritage Investment & Retirement Center, and may also be employees of American Heritage Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, American Heritage Credit Union or American Heritage Investment & Retirement Center. Securities and insurance offered through LPL or its affiliates are:
| Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value |
Your Credit Union (“Financial Institution") provides referrals to financial professionals of LPL Financial LLC (“LPL") pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.