Health Savings Account (HSA)


Cover Healthcare Costs with Tax-Advantaged Savings*

What’s worse than being sick? Going broke to pay for treatment. Dividends above standard savings and tax advantages help you afford quality healthcare. Boost your budget even more with employer contributions — the savings in your account remain yours, wherever you’re employed. 

Account Features

  • Greater personal control over healthcare management and expenses
  • Prepare for qualified medical expenses
  • Receive higher rates on larger deposits
  • An HSA provides triple tax savings:
    • Tax deductions when you contribute to your account
    • Tax-free earnings through investment
    • Tax-free withdrawals for qualified medical, dental, vision expenses, and more*
  • Contributions are tax-free and can be made by you, your employer, or a third party**
  • Funds can be withdrawn at any time***
  • No monthly service fee
  • No minimum balance requirements
  • Unused funds remain in account year after year; no "use it or lose it" policy
  • Keep your HSA in your name, regardless of career or life changes
  • No minimum deposit to open


Most adults under 65 who are not enrolled in Medicare and are covered under a high-deductible health plan (HDHP) can qualify for an HSA, but it is up to the account holders to determine their own eligibility. Please contact your tax advisor for further eligibility requirements. 


As part of the recent merger with America First CU, our application process has slightly changed. In order to help you choose the best option to fit your individual needs, please click below to begin your new account application or visit your nearest branch to meet with a representative.

Getting Started is Easy

*Consult a tax advisor.

**Ask your employer or insurance company if your plan makes you eligible to open and make contributions to an HSA.

***You can withdraw funds at any time for any purpose. However, if funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn will be included as taxable income, and is subject to a 10% penalty.


Savings / Dividends Rates

Account TypeMin. Opening Deposit Dividend RateAPY*
Savings $1.00 0.10% 0.10%
Savings IRA $1.00 0.25% 0.25%
Money Maker Account $0 - $2,000 0.25% 0.25%
$2,001 - $20,000 0.40% 0.40%
$20,001 - $80,000 0.65% 0.65%
$80,001 and above 0.85% 0.85%
Health Savings Account - 0.10% 0.10%

*Annual Percentage Yield (APY). Rates accurate as of November 1, 2018 and are subject to change.

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