The easy way to save for and pay for healthcare expenses.

Benefits of a Health Savings Account

Save money tax-free* for medical expenses

Flexible, portable account

No mimumum balance

Earn competitive dividends

No account maintenance or transaction fees for health savings account

Account TypeMinimum Average Daily Balance to Earn stated APYRateAPY*
Prime Share Account$100.000.05%0.05%
Capital Account$1,000.000.10%0.10%
Vacation Club Accountnone0.05%0.05%
Christmas Club Accountnone0.05%0.05%
IRA Share Accountnone0.20%0.20%
Health Savings Accountnone0.20%0.20%

Last Dividend Declaration Date: 03/31/24
*APY is Annual Percentage Yield. Your interest rate and annual percentage yield may change after account is opened. Prime Share Account minimum balance is $5.00. Fees may reduce earnings. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.

Think of it as a fund for future medical needs. Contributions are made into your HSA either by the account owner (you) or, in some cases, your employer, similar to a retirement plan or other types of savings accounts. The money you contribute into this account can be used to pay for any current or future health care cost, including elective procedures, emergency treatments, major surgeries, and the like. These contributions are taken out on a pre-tax basis, and may be able to be claimed as deductions on your taxes the following year.
Generally speaking, you can use a health savings account to pay for any qualified medical expense. “Qualified medical expenses”, as defined by the IRS, include medical care, vision care, dental care, prescription drug expenses and payment for long term care services .
To open an HSA, you must have a qualifying high deductible health plan (HDHP) and meet other IRS eligibility requirements, unless an exception applies. You cannot be covered by any other health plan that is not an HDHP. You cannot be currently enrolled in Medicare and you cannot be claimed as a dependent on another individual’s tax return.
Any remaining balance automatically rolls over year after year.

*Consult a tax advisor.



All branches will be closed on Wednesday, June 19, 2024 in observance of Freedom Day.