Lighten the Burden of Medical Expenses
A Health Savings Account or HSA is an interest-earning savings account or Certificate of Deposit (CD). Set money aside today to pay for medical care expenses tomorrow.
Benefits:
- Tax free*
- Increase your earnings by keeping a higher balance
- Free HSA Debit Card
- Stays with you between jobs
- Interest compounds and credit monthly
* Consult with your tax advisor for more details.
2025 Contribution Limits:
A Health Savings Account or HSA is an interest-earning savings account or Certificate of Deposit (CD).
- $4,300 single coverage:
Minimum Annual deductible: $1,650
Maximum out-of-pocket expenses: $8,300
- $8,550 family coverage:
Minimum Annual deductible: $3,300
Maximum out-of-pocket expenses: $16,600
- Age 55 and older are permitted to make an additional $1,000 deposit contribution.
Eligibility:
- Covered under a High Deductible Health Plan (HDHP)
- Not enrolled in Medicare
- Not a dependent on another person’s tax return
- You have no other health coverage except what is permitted
| Account Balance | Interest Rate | APY |
|---|---|---|
| Balances from $0.00 to $999.99 | 0.20% | 0.20% |
| Balances from $1,000.00 to $2,499.99 | 0.22% | 0.22% |
| Balances from $2,500.00 to $9,999.99 | 0.24% | 0.24% |
| Balances of $10,000 and more | 0.26% | 0.26% |
HSA Certificate Specials
| Term | Interest Rate | APY |
|---|---|---|
| 9 Month Special | 3.93% | 4.00% |
HSA Certificates
| Term | Interest Rate | APY |
|---|---|---|
| 6 - 11 Months | 3.45% | 3.50% |
| 12 - 17 Months | 3.49% | 3.55% |
| 18 - 23 Months | 3.54% | 3.60% |
| 24 - 35 Months | 3.45% | 3.50% |
| 36 - 47 Months | 3.49% | 3.55% |
| 48 - 59 Months | 3.54% | 3.60% |
| 60 Months | 3.59% | 3.65% |
Jumbo HSA Certificate Specials
| Term | Interest Rate | APY |
|---|---|---|
| 9 Month Special | 4.17% | 4.25% |
Jumbo HSA Certificates
| Term | Interest Rate | APY |
|---|---|---|
| 6 to 11 months | 3.69% | 3.75% |
| 12 to 17 months | 3.74% | 3.80% |
| 18 to 23 months | 3.78% | 3.85% |
| 24 to 35 months | 3.69% | 3.75% |
| 36 to 47 months | 3.98% | 4.05% |
| 48 to 59 months | 4.03% | 4.10% |
| 60 months | 4.07% | 4.15% |
