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Health Savings Accounts

Prepare for future medical expenses

When your health insurance doesn't cover 100% of your expenses related to surgeries, prescriptions, treatments, and more, a Health Savings Account (HSA) can help you fill in the gaps. Heartland offers a no minimum HSA with a number of perks.

Today's Health Savings Account rates

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HSA Certificate

12 Month % APY*

Health Savings

As high as % APY*

Tax advantage

HSAs often provide a tax advantage because pre-tax contributions can be deducted from your payroll. Speak to a tax professional to see how an HSA could positively affect your tax liability.

hand holding debit card icon

Payment flexibility

Paying for qualified medical expenses has never been easier with an HSA debit card, HSA checks or ACH.


Funds carry over

Your HSA funds carry over so you will not lose money you haven't used by the end of each calendar year, like with a Flexible Spending Account.


HSA Mastercard debit card

Put your HSA debit card in your Digital Wallet to pay for qualifying medical expenses with your phone, or swipe your card at the terminal.


No minimum balance

You do not need to maintain a specific balance, making this account easy to maintain and stress-free.


Authorized users

Eligible family members can get their very own HSA debit card to make paying for qualified medical expenses easy for the whole family.

Estimate your savings

Let's see how much you could save!

Final Balance

Contributions:     |    Earnings: 
Potential tax advantages

Prepare for medical expenses while saving on taxes*

A Health Savings Account (HSA) is a savings account for future medical expenses which can include favorable tax treatment. Often, pre-tax funds can be deposited directly by your employer, or you may be able to deduct your contributions on your tax return. Qualifying purchases may also be tax-exempt. *Reach out to a trusted tax professional to see if an HSA could benefit you.

Open a Health Savings Account
Doctor doing a checkup on a hospitalized patient

I recently opened an HSA account and even after 35 years of membership, Heartland continues to be a great place. I've always been a big supporter of what credit unions do.

— Dennis S., Oregon, Member Since 2009

How it works

You can start saving for future health expenses in a few simple steps.

  • 1

    Complete an application

    Fill out an online application in a matter of minutes.

  • 2

    Get approved

    We will review your application and quickly notify you if you are approved.

  • 3

    Start saving

    Once approved, you can start saving for qualified medical expenses then pay with your special debit card.

Have funds ready when you need them most

With an HSA, you can have money set aside for you and your family to pay for medical expenses. Plus, because the funds carry over annually, you have nothing to lose.

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