2026 Tax Center: Express Tax Services & One Big Beautiful Bill Act (OBBBA) Guidance
EXPRESS TAX SERVICE
Fees Effective January 1, 2026 and Valid through December 31, 2026
Express Tax is a fee-based income tax preparation and e-file service offered by BFCU. This service is offered year-round and is currently drop-off only at 600 E Gibbs St. in Del Rio and 2080 N Veterans Blvd. in Eagle Pass. You must be a current Border FCU member to use this service.
To continue improving our communities’ income capacity and address credit challenges through financial counseling and financial education, members will receive reimbursement of the tax preparation fee ($75 base fee) for participating in a Financial Literacy Class or a one-to-one financial counseling session between May 1, 2026, and Dec 31, 2026.
*$75 Base Income Tax Preparation Fee (Includes e-file to IRS)
*Additional Fees May Apply
Drop-Off Only at 600 E Gibbs St., Del Rio, from January 20th - April 15th &
2080 N Veterans Blvd., Eagle Pass, from January 26th - April 15th.
Hours: Monday through Friday: 12:00 pm - 6:00 pm • Saturday: 9:00 am - 12:00 pm
Must present:
Valid government-issued ID’s for taxpayer(s) Social Security cards for all listed on the return
Forms to be filed w2’s, 1099’s, etc., 1095A Obama Care (if applicable)
Routing and Account Number for Direct Deposit
Any other information to be reported.
MUST BE A MEMBER OF BORDER FEDERAL CREDIT UNION TO USE THIS SERVICE.
*No Cash Value
TAX REFUND ANTICIPATION LOAN
Why wait? Get cash now!
Need your tax refund sooner? With Border FCU, you can access up to $2,000 through our Tax Refund Anticipation Loan!
Borrow up to $2,000
0% APR* for the first 2 months– No interest, no hassle.
$20 Fee – Non-refundable application fee.
How do I apply for the tax refund ANTICIPATION loan?
File your taxes through Express Tax (Border FCU’s Tax Service).
Bring a copy of your return to any Border FCU location.
Apply in person.
Certain restrictions apply. Rates and terms are subject to change. Border FCU is federally insured by NCUA.
OBBBA Guidance
The financial landscape is shifting with the One Big Beautiful Bill Act (OBBBA). At Border FCU, we want to ensure you have the resources to make smart decisions and keep more of your hard-earned money. Below is a brief overview of the changes; however, visit IrS.gov for complete information.
The New Auto Loan Interest Deduction
Starting with the 2025 tax year, you may be able to deduct interest on qualifying auto loans, a first for many consumers.
The Benefit: Deduct up to $10,000 in interest annually through 2028.
The Requirements: Must be a new vehicle (purchased after 12/31/24), for personal use, weighing under 14,000 lbs, and assembled in the U.S.
Verification: You will need your VIN when filing. You can check your vehicle's assembly location using the NHTSA VIN Decoder. (Pro tip: If your VIN starts with 1, 4, or 5, it's likely U.S.-built!)
Our Role: Details are still being finalized by the government. Border FCU will provide your total interest paid for 2025 in your December statement.
Other OBBBA Policy Shifts to Watch
Senior Bonus Deduction: Taxpayers 65+ can claim an additional $6,000 deduction ($12,000 for joint filers) for 2025–2028.
No Tax on Overtime & Tips: New deductions are available for qualified overtime pay (up to $12,500) and tipped income (up to $25,000).
1099-K Reporting: The OBBBA raised the reporting threshold for apps like Venmo or PayPal back to $20,000 and 200 transactions. This reduces paperwork for casual sellers and friends splitting expenses.
Student Loan Shifts: Watch for the new Repayment Assistance Plan (RAP) starting in July 2026, which may change monthly payments for federal borrowers.
We’re Here to Help. Whether you’re buying a car or managing debt, you don’t have to do it alone. Visit or call us at (830)774-2328.