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Health Savings Account

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.



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 more rates
As high as % APY2

Calculate your monthly savings3

Final Balance

Contributions:     |    Earnings: 
Tax Benefits

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.

Carry Over Funds

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.

— 2023 Relationship Survey

How it works

It's easy to get an HSA.

  • 1

    Complete an application

    Open an HSA at a branch or through video banking.

  • 2

    Make contributions

    Add funds to your HSA regularly to save for expenses.

  • 3

    Grow your savings

    Watch your HSA savings grow tax-free.

Schedule an appointment

Have questions? We're here to help!


Schedule an appointment


Schedule now


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Video Banking


Give us a call


Call 1-800-296-8871

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.


Schedule an appointment


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 June 12, 2024. The APY is variable and may change at any time, and the rate may change after the account is opened. 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.

Video Banking

Juneteenth Holiday Closure All offices will be closed Wed., 6/19, for Juneteenth. β€―ATMs, mobile services, and online banking are available 24/7. View all our holiday closures.