A Health Savings Account (HSA) is designed to help you save for medical expenses by maintaining an account separate from your regular savings account. HSAs include individual and family plans, which are governed by the IRS.
- $5 minimum opening deposit
- $50 minimum balance to earn dividends
- Visa® debit card (HSA Checking Accounts only)
- 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.
Visit a branch to open your HSA
Health Savings Account Rates
Effective Date: Tuesday, January 13th, 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+ | |
