Born in Columbia, Mississippi to Reverend and Mrs. L. J. Francis, Ruby moved with the family to Lawton, Oklahoma, where she spent her formative years. After graduating from Eisenhower high school, she attended Seward County College and Wichita State University, completing 119 hours toward a degree in education. It was during this time that she married Reverend Ivanhoe Terry. From this union came two sons Eric and Christopher. The family presently resides in Lake Charles, Louisiana, where Rev. terry pastors the Saints Memorial C.O.G.I.C.