Health Savings Account (HSA)

Everyone wants the best care. This makes it more affordable.

Everyone knows that treatment of serious illness or injuries can run into the thousands of dollars. But even routine medical care can strain a family budget. HSA's are excellent preventative medicine because they let you set aside money for future doctor, dental and vision care - while also offering tax breaks and interest earnings.
  • Use in conjunction with a high deductible health plan
  • Use your savings for qualified medical expenses
  • Deposits earn interest
  • Tiered rate structure means bigger balances can earn higher rates
  • Because HSA contributions are pre-tax, they can reduce your income tax burden
  • All annual interest payments are tax-free
  • Access funds easily with a debit card
  • If you change jobs or move, the money stays in your account and can be used for qualified expenses
  • Unused balances roll over from year to year, allowing you to build up extra reserves
  • Individuals can contribute up to $3,650 annually and families can contribute $7,300
  • Individuals over 55 - and not enrolled in Medicare - can contribute an extra $1,000

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For full Membership Agreements and Disclosures, click here.
This account is subject to a Tiered Variable Interest Rate. For the current dividend rate and corresponding APY, refer to the provided Account Disclosure Rate supplement or visit our deposit rates page. Health Savings Accounts are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your Health Savings Agreement or your tax advisor for additional information. Contribution limits are accurate for the 2022 tax year. KEMBA membership required.

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