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
View ratesHSA Certificate
12 MonthHealth Savings
As high as
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.
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: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.
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.
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1
Complete an application
Fill out an online application in a matter of minutes.
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2
Get approved
We will review your application and quickly notify you if you are approved.
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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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For other important information concerning your account(s), please review our Truth In Savings Disclosure.
Rates
Health Savings Account Rates
| Product | Balance | Rate | APY* |
|---|---|---|---|
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HSA Certificate |
$500 minimum |
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HSA |
$ |
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$ |
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$ |
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$ |
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$ |
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Rates effective as of: April 27, 2024
*APY is annual percentage yield. Savings rates can change without notice. Please review our Account Disclosure for terms and conditions.
All features
Pre-tax employer contributions
With an HSA, your employer can deposit funds before they are taxed to help you save more for your time of need.
Tax-free spending for healthcare costs
Depending on the medical expense, you may be able to make a tax-free purchase, saving you more on healthcare costs.
High contribution limits
Families can contribute up to $7,750 and individuals can contribute up to $3,850 of pre-taxed money. If you are over 55 years old, an extra $1,000 per plan can be added.
Transfer to other accounts
You can easily and quickly transfer HSA funds to your regular checking account in digital banking to pay for qualified expenses.
Interest bearing account
You can earn tax-free interest on your HSA balance, meaning you can keep more for potential expenses.
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