Health Savings Account (HSA)2022-08-25T15:09:40-05:00
woman at the pharmacy counter

Health Savings Accounts (HSAs)

Medical expenses happen.

Be better prepared with a tax-advantaged HSA.

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Questions? We can help.


Easy access

You can use your debit card to pay for qualified medical expenses.

Account tracking

HSA spending can be monitored through Digital Banking.

Tax-related perks

You get tax-free earnings1 and tax savings when you contribute1.

Earns dividends

Balances of $15,000 and over earn 2.00% APY2.

Reliable protection

Your money is federally insured by the NCUA.

What is an HSA?

An HSA is a savings account that allows you to put money aside on a pre-tax basis for qualified medical expenses. It can only be used if you meet the qualifications below. These accounts earn dividends, and your money rolls over from year to year if you don’t spend it.

Who qualifies for an HSA?

To be an eligible individual and qualify for an HSA, you must meet the following requirements:

  • You are covered under a High Deductible Health Plan (HDHP)
  • You have no other health coverage except what is permitted under “Other health coverage,” listed on IRS.gov
  • You are not enrolled in Medicare
  • You cannot be claimed as a dependent on someone’s tax return1

Contribution limits

Contributions can be made by you or your employer up to the maximum limit specified by law. Individuals age 55 and older can make an additional $1,000 catch-up contribution.

HSA Contribution Limits

HSAs earn dividends

Health Savings Account (HSA) Rates
$15,000 and over2.00%
$5,000 to $14,999.991.50%
$2,500 to $4,999.991.00%
$500 to $2,499.991.00%
$100 to $499.990.50%
$0 to $99.990.00%
Accurate as of 1/1/2020
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Learn more about HSAs

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    1 Please consult your tax advisor to determine your specific tax situation.

    2 APY = Annual Percentage Yield. Balances of 0 to $99.99 earn 0.00% APY. Balances of $100 to $499.99 earn 0.50% APY. Balances of $500 to $4,999.99 earn 1.00% APY. Balances of $5,000 to $14,999.99 earn 1.50% APY. Balances of $15,000 and over earn 2.00% APY. Rates are accurate as of 1/1/2020. No minimum opening deposit or balance is required. Fees may reduce earnings.  The rates stated on these products are subject to change.