Health Savings Account

Healthcare savings made simple. 

Save exclusively for medical expenses. You and your employer can add to your account annually, giving you a smart, flexible way to navigate your healthcare expenses. 

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Details

Features You’ll Love

  • Interest bearing account.
    • Interest is compounded daily and paid monthly.
  • Minimum to open account is $100.
  • No service charge if $100 balance is maintained every day of the statement cycle.
  • No per item charge.
  • Check images returned in statements.
  • MasterCard® Debit Card.
  • Manage your account through secure Online Banking and Mobile Banking.
    • Bill Pay.

Calculators

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Rates

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Have Questions?

FAQs

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Who is eligible for a Health Savings Account?

Individuals that are enrolled in a high deductible health plan, who are not covered by any other health plan, not entitled to benefits under Medicare, and not a dependent on another person's tax return.

How does it work?

As funds accumulate in your HSA, you can use them to pay for current medical expenses including expenses that your insurance may not cover, or save the money in your account for future or unexpected medical bills. Any unused funds carry over year-to-year. You keep your account even if you move, change jobs or change your medical coverage.

What are the tax benefits?

Contributions may be tax deductible and withdrawals used for medical expenses are tax-free. Consult your tax advisor or IRS Pub 969 for more information.

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Get Started

We’ll take care of the details, so you can enjoy smarter, more convenient banking. 

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Find a Branch

Fees may reduce earnings on this account.

Enjoy More Moments at Home 

Banking that is so easy, you can do it from your couch. 

iOS App Android App

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated Annual Rewards $0
  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
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*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25.

Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

1. Vehicle Info
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2. Loan Details
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3. Lease Details
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  • Net cost of buying $0
  • Net cost of leasing $0
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total value at maturity $0
  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
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Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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  • Monthly deposit needed to reach goal $0
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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Estimated monthly payment $0
  • Total paid $0
  • Total interest paid $0
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CD Plus

CD Plus - $200 min add on – no penalties waived – other banking relationship required
(all rates APY*)		  
180 days 4.05%
11 month 3.65%

* Annual Percentage Yield. Rates are subject to change. There may be a substantial penalty for early withdrawal. Fees may reduce earnings on these accounts.  Minimum balance may be required to open account. See account details for more information.

CDs

Certificates of Deposit
$500 minimum to open
(all rates APY*)		  
90 days 3.00%
9 month 3.35%
12 month 3.15%
18 month 2.75%
24 month 2.50%
36 month 1.25%
48 month 1.00%

* Annual Percentage Yield.  Rates are subject to change. There may be a substantial penalty for early withdrawal. Fees may reduce earnings on these accounts.  Minimum balance may be required to open account. See account details for more information.

Deposit Interest Rates

Deposit Interest Rates APY*)
Money Market account – up to $49,999.99 0.95%
Money Market account- $50,000.00 and over 2.35%
Now account - $0 - $2,499 0.10%
Now account - $2,500 + 0.15%
Health Savings account - $0 - $2,499 0.40%
Health Savings account - $2,500 + 0.45%
$mart Cents savings - $0 - $5,000 3.50%
$mart Cents savings - $5,000 + 0.45%
Savings 0.45%
e-Savings 0.45%
Idaho Medical Savings account 0.45%

* Annual Percentage Yield.  Rates are subject to change. Fees may reduce earnings on these accounts.
  Minimum balance may be required to open account. See account details for more information.

IRAs

Individual Retirement accounts (IRAs) – deposits allowed
(all rates APY*)		  
18 month variable 0.90%
18 month 2.75%
24 month 2.50%
36 month 1.25%
48 month 1.00%

* Annual Percentage Yield. Rates are subject to change.There may be a substantial penalty for early withdrawal. Fees may reduce earnings on these accounts.  Minimum balance may be required to open account. See account details for more information.

Kasasa Saver*

Balance Minimum Opening Deposit Rate APY
0 - $15,000 $x 0.00% 0.00%
$15,000+ $x 0.00% 0.00%
All balances if qualifications not met $x 0.00% 0.00%

Qualifications

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