Health Savings Accounts
Health Savings Account
Pay for out-of-pocket healthcare expenses or save for future healthcare expenses… all tax-free!
With a Health Savings Account (HSA), deposits from you or your employer are non-taxable to help make your healthcare dollars go further.
There are no “use it or lose it” rules. Your money will roll over year to year and is transferable from employer to employer.
This is an FDIC-insured, interest-bearing account. Your money can grow tax-free over time until you need it for healthcare expenses.
Adults who qualify:
- - Have medical insurance coverage in a qualified High Deductible Health Plan
- - Are not covered under any other health insurance
- - Are not enrolled in Medicare
- - Are not claimed as dependent on someone else's taxes
Account features & fee schedule:
- - $50.00 minimum deposit to open
- - No minimum balance requirements
- - Free debit card
- - Free online banking with free bill pay
- - Free online statements
- - Interest-bearing account
Health Savings Account Rates
Tier
Interest Rate
APY*
Balances from $0.00 – $4,999.99
0.50%
0.50%
Balances from $5,000.00 – $14,999.99
1.49%
1.50%
Balances from $15,000.00 – $24,999.99
2.47%
2.50%
Balances $25,000+
2.96%
3.00%
For more information on contribution limits and qualified medical expenses, please visit IRS wesbite: www.irs.gov
Health Savings Accounts are individual accounts and subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. Consult your tax advisor. See deposit account agreement and fee schedule for additional details.
*APY – Annual Percentage Yield. APY is effective as of 04/20/2026 and is subject to change without notice. Minimum balance to open account and obtain APY is $50.00. Fees may reduce earnings on the account.