Manage your healthcare costs
With a Health Savings Account (HSA), you can save for medical expenses using pre-tax dollars.1
Employer contributions
Pre-tax HSA contributions from your employer are income tax-free if used for qualified expenses.
Tax-deductible
Contributions to your health savings account may be tax-deductible.
Tax-free spending
Qualified medical expenses are also exempt from taxes.
Carry over funds
There's no "use it or lose it"— HSA funds carry over every year.
HSA debit card
It's easy to access your HSA funds with a Mastercard® HSA debit card.
High contribution limits
Save substantial pre-tax money in your HSA for peace-of-mind.
Today's rates
View ratesCalculate your monthly savings3
Final Balance
Contributions: | Earnings:Save on taxes
Enjoy tax-free spending on qualified medical expenses, get pre-tax employer contributions, and you may even be able to deduct your own contributions from your taxes.
HSA funds don't expire
Unlike with a Flexible Spending Account (FSA), you won't lose funds in your HSA. Unspent money carries over each year, helping you build your healthcare savings.
Members regularly rave about our competitive rates, convenient locations and friendly staff.
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1
Complete an application
Open an HSA at a branch or through video banking.
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2
Make contributions
Add funds to your HSA regularly to save for expenses.
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3
Grow your savings
Watch your HSA savings grow tax-free.
Have questions? We're here to help!
Healthcare costs can be unpredictable
Plan for unexpected expenses with an HSA. Build funds to cover healthcare expenses so you can enjoy more peace of mind.
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Members Cooperative Credit Union does not provide legal, tax, or other advice. Please consult with your own professional services provider for more information on these matters. This content is provided for general information purposes only.
1 HSA eligibility, contributions, and withdrawals are subject to applicable laws and regulations.
2 APY is the Annual Percentage Yield. The stated APY is effective as of January 18, 2025. The APY is variable and may change at any time. Fees may reduce earnings.
3 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. There is no guaranteed rate or earnings on an HSA account. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.Membership required and subject to account requirements.
Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.
Rates
Health Savings Account rates
| Tier | APY |
|---|---|
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$0 - $9,999 |
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$10,000+ |
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Rates effective as of: January 18, 2025
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