An HSA lets you save for medical expenses in a separate, tax-advantaged account.
HSA Savings
- $5 minimum opening deposit
- $50 minimum balance to earn dividends
- Required unless regular Prime Savings is also opened
- Withdrawals and transfers will be made according to IRS guidelines
- Contribution limits are determined by IRS annual limits
HSA Checking
- $5 minimum opening deposit
- Tiered dividend rates
- Visa® debit card
- Withdrawals and transfers will be made according to IRS guidelines.
- Contribution limits are determined by IRS annual limits.
HSA contributions are tax deductible and HSA earnings are tax deferred. If funds are used for qualified medical expenses, HSA assets are tax free. Consult a tax advisor for tax implications.
Health Savings Account Rates
Effective Date: Saturday, April 25th, 2026
Subject to change. APY = Annual Percentage Yield. The APY is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|---|
| HSA Savings | 0.05% | 0.05% | $50 |
| HSA Checking Tiered Rates | |||
| 0.25% | 0.25% | $1 - $4,999.99 | |
| 1.00% | 1.00% | $5,000 - $9,999.99 | |
| 1.11% | 1.10% | $10,000+ | |
