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Doctor holding a piggy bank to represent Health Savings Account (HSA).

Health Savings Account (HSA)

You've switched to a High Deductible Health Plan, now start saving for health care expenses and receive a triple tax advantage!

 A Health Savings Account (HSA) allows you to pay for current health expenses and save for future qualified medical and retiree health expenses while earning interest!  Our accounts have no monthly service charge, no minimum balance requirements and no per-check charges.


  • Funds are accessed by debit card, checks or reimbursement process
  • No deadline for self-reimbursements
  • Unused funds roll over at the end of the year
  • Funds are still available if you are no longer on a High Deductible Health Plan (HDHP)
  • Chose your contribution amounts throughout the year
  • You own the account


Tax Advantages
  • Contributions are not taxed
  • Funds grow in a tax-deferred account
  • Withdrawals are not taxed if used for qualified medical expenses*


Discover more information about the tax advantages here.


Contribution Limits
The maximum amount you can contribution to your account in 2019 varies based on your eligibility.** Contributions for the previous tax year may be made until the tax filing deadline.
 Health Savings Account (HSA) maximum contribution limits for 2019 are single plans $3,500 and family plans $7,000.
Are you between the ages of 55 and 65? Then you can ad an additional $1,000 to your contribution limit!
  • Must be enrolled into a qualifying High Deductible Health Plan and not have other non-qualifying insurance coverage
  • You cannot be a dependent on another person's tax return
  • You must not be entitled to Medicare benefits 


Get Started
Does a Health Saving Account sound like a good fit for you? Contact us or stop by a branch and let one of our Customer Service Representatives answer your questions and set up an account.




*Withdrawals may be subject to tax and penalty if they are used for other expenses.

**Contribution limits are subject to annual cost of living adjustments.