Health Savings Account (HSA)

Save smarter for the health care costs ahead

Save for qualified medical expenses with an HSA that earns dividends and includes a debit card with no monthly fee. Available to eligible members with a qualifying high-deductible health plan.

Build a healthier financial future

An HSA helps you set aside money for qualified medical expenses while earning dividends along the way. It’s a simple way to prepare for health care costs now and in the future.

Save for qualified medical expenses

Use your HSA funds for eligible health care expenses for you and your family, including doctor visits, prescriptions, and more.

Earn dividends on your balance

Your HSA earns competitive dividends, helping your savings continue to grow while you plan for future expenses.

Monthly dividend compounding

Dividends compound and are credited monthly, so your balance keeps building over time.

Debit card included

Pay for qualified medical expenses easily with an HSA debit card that comes with no monthly card fee.

Tax advantages

Contributions to an HSA may be tax-deductible when used for qualified medical expenses. Consult a tax advisor for details.

Simple account costs

Get started with a one-time $25 setup fee and a low $12 annual fee after the first year.

Compare our Health Savings Account with leading competitors.

Share rates

Account type

Share type

Dividend rate

APY

Regular Shares

Christmas Club

Special Savings

Share Draft

Non Dividend Acct

Traditional IRA

Educational IRA

Roth IRA

Health Savings Account

Money Market
$10 - $2,499

Money Market
$2,500 - 24,999

Money Market
$25,000 - $49,999

Money Market
$50,000 - $99,999

Money Market
$100,000 & UP

Rates effective as of: August 26, 2026

TIS Disclosures can be found here.

See how much you can save with us!

Adjust the sliders to view your potential savings over time.

View rates

Final Balance

Contributions: | Earnings:

Initial Deposit

Rate

Monthly Contribution

Term

120

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Frequently asked questions

Find answers to common questions about our HSA accounts and services.

Yes. HSA funds can be used for qualified medical expenses for you, your spouse, and eligible dependents, even if they are not covered under your health plan.
Your HSA balance rolls over year after year. The money stays in your account and continues earning dividends for future qualified medical expenses.
Yes. Your HSA includes a debit card, making it simple to pay for qualified medical expenses directly from your account.
Yes. To contribute to an HSA, you must be enrolled in a qualifying high-deductible health plan and meet current IRS eligibility requirements.
Yes. HSA balances earn competitive dividends that compound and credit monthly, helping your savings continue to grow over time.

Make informed decisions with our resources

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Debit Cards Made Simple

Learn about debit card features, fraud protection, and digital wallet options.

Manage Your Account Anytime

Access balances, transfer funds, and manage your HSA from your computer or mobile device.

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