Make it easy to pay for healthcare expenses with a health savings account
Many healthcare plans have high deductibles. Save pre-tax dollars for the unexpected with a health savings account (HSA) from SFCU.
Cover Many Expenses
Use your HSA to pay for a wide variety of medical expenses, including co-pays, prescriptions, vision, dental, OTC medications, and more.
Pre-tax Contributions
You or your employer can contribute pre-tax funds to your health savings funds to save more for healthcare.
Payroll Distribution
Add money to your HSA automatically from your paycheck with payroll distribution to make it easy to save for medical expenses.
HSA Debit Card
When you open an health savings account with SFCU, you'll get an HSA Debit Mastercard® to easily pay for healthcare expenses.
And more
View all featuresRates
View ratesUse HSA funds to pay for a wide variety of medical expenses
Medical expenses can come in many shapes and sizes, but with an health savings account from SFCU, feel confident that you're covered. You can use your HSA funds to cover a wide variety of expenses, including:
• Co-pays
• Prescriptions
• Vision
• Dental
• OTC medications
• And more
Save more money on taxes with an HSA
There are several ways that a healthcare savings account can help you save more on your taxes. Between pre-tax contributions and tax deductions, you may be able to save this tax season.
Tax Deductible
You may be able to subtract your HSA contributions from your taxes to possibly lower your tax payments. Talk to a tax professional to learn more!
Tax-free Healthcare Spending
Qualifying medical expenses are exempt from taxes, helping you afford more healthcare coverage with your HSA.*
made me feel like they really wanted to help me and they were very respectful
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1
Open your HSA account
Chat with a rep online or visit a branch location to get started
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2
Go through setup
Set up automatic contributions and get your HSA debit card.
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3
Start saving
Contribute to your HSA to save for healthcare expenses.
Have a question? Get in touch with us
Protect yourself from the high cost of healthcare
Healthcare isn't always affordable, even with insurance. Open a health savings account to put money away to pay for a variety of healthcare expenses and give yourself more peace of mind.
Health Savings Account Rates
| Type of Account | Term | Minimum Balance | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|---|---|
|
HSA Checking |
N/A |
$5* |
0.10% |
0.10% |
|
HSA Checking |
N/A |
$500 |
0.30% |
0.30% |
|
HSA Checking |
N/A |
$5000 |
0.50% |
0.50% |
|
Share Certificate |
12 Month |
$500 |
3.784% |
3.85% |
|
Share Certificate |
24 Month |
$500 |
3.929% |
4.00% |
|
Share Certificate |
36 Month |
$500 |
2.716% |
2.75% |
|
Share Certificate |
48 Month |
$500 |
2.716% |
2.75% |
|
Share Certificate |
60 Month |
$500 |
2.96% |
3.00% |
Rates effective as of: July 15, 2025
APR= Annual Percentage Rate.
APY = Annual Percentage Yield. The APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance (ADB) method.
*Minimum Balance to earn APY $100.
Share Certificate terms of 10 months or more are subject to a 180-day penalty of dividends. Fees may reduce earnings.
Withdrawals, deposits or change of terms can only be done without penalty on or within 5 business days after the maturity date.
All rates are subject to change at anytime. Membership Par Value: to establish a new membership at SFCU a minimum of $5.00 (par value) is required to be deposited and maintained in your primary savings.
Features
Pre-tax contributions
Put more toward your health savings with pre-tax contributions from you or your employer.
Tax Deductible
You may be able to deduct your HSA contributions from your taxes. Consult a tax professional to learn more about the tax benefits of HSAs.*
Tax-free Spending
Some medical expenses may be exempt from taxes, meaning you can afford more healthcare.
Funds Carry Over Annually
Unlike Flexible Spending Accounts, you won’t lose your HSA funds if you don’t use them.
HSA Debit Mastercard®
It’s easy to pay for healthcare expenses with an HSA Debit Mastercard®.
High Contribution Limits
Put more toward your healthcare savings with high contribution limits for families and individuals.
Works for a Variety of Expenses
Pay for whatever you need for more security and flexibility, including co-pays, OTC medications, prescriptions, and more.
Payroll Distribution
Automatically add to your HSA straight from your paycheck with payroll distribution and save more without even thinking about it.
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Let's Get Started!
Not a Member?
We’d love to welcome you to the SFCU family! Getting started is easy – just click the link below to begin opening your account.
Already a Member?
Head over to online or mobile to add a new product. See ‘xPress Accounts’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.
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