Health Savings Accounts (HSA)

Medical expenses can surprise us at any time, leaving us struggling to make ends meet. Health Savings Accounts (HSA) enable you to expect the unexpected and designate funds for medical-related payments and purchases.

We offer two types of investments within your HSA accounts: Demand Certificates and Term Certificates.

Demand Certificates (TAP)

Demand Certificates (TAP) are the most common investment for our HSAs due to the frequent transactions in these accounts. Demand Certificates give you easy access to add new investment dollars or redeem funds at any time without penalty. Learn More.

Investment Balance	Rate	APY**
$5.00 – $10,000	2.96%	3.00%
$10,000.01 – $25,000	3.11%	3.15%
$25,000.01 – $50,000	3.25%	3.30%
$50,000.01 – $100,000	3.45%	3.50%
$100,000.01 – $500,000	3.69%	3.75%
$500,000.01+	3.98%	4.05%
Ministry Demand Certificates	Reduced Interest Rates	Reduced APY

Term Certificates (SICs)

Term Certificates (SIC) are also available for HSA investments. Term Certificates mean that you are committing to invest the original principal balance for the designated amount of time. You can choose investment terms from six months to five years (options below). Early redemption penalties apply. Learn More.

Minimum	Term	Rate	APY*	Penalty
$25	6 months	3.49%	3.55%	90 Days of Interest
$25	1 year	3.97%	4.05%	90 Days of Interest
$25	15 months	5.12%	5.25%	182 Days of Interest
$25	2 years	4.21%	4.30%	90 Days of Interest
$25	3 years	4.45%	4.55%	90 Days of Interest
$25	4 years	4.69%	4.80%	90 Days of Interest
$25	5 years	4.93%	5.05%	90 Days of Interest