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Health Savings Account

Nothing is more important than getting the treatment you and your family need to get well and stay healthy. A Health Savings Account1, or HSA, allows you to set aside funds for a wide range of future doctor, dental, and vision care.
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Take the financial sting out of big medical bills.

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Earn dividends at competitive rates.2
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$0 deposit and minimum balance. 
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No monthly fee or annual maintenance fee. 

Feel better knowing you can afford future health care expenses.


If you have a high-deductible health plan, let Indiana Members Credit Union show you how to open an HSA checking account that can help pay for everything from major surgery and prescription medication to dental procedures and new eyeglasses. 
 
  • Deposits may be made by consumers or through pre-tax employer contributions.3
  • HSA Certificates and myHSAinvestments are available for additional savings opportunities.4 
  • Pay for medical services with a free debit card.
  • Manage account funds with Online and Mobile Banking.
  • Any funds left in account at the end of the year automatically roll over until the next year; there are no use-it-or-lose-it rules.
  • Unlike employer-sponsored health plans, you keep your HSA if you lose your job or change jobs.
  • All dividend earnings and qualified medical withdrawals are tax-free.
  • HSA eligibility requires enrollment in a high-deductible health plan (HDHP) as defined annually by the IRS.
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Check our latest HSA rates. 

Helping you save for medical expenses and treatment. 




















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Boost your health care savings with Certificate options. 


Our HSA Certificates deliver strong growth with higher dividend rates when you leave your money deposited for 6 to 84 months. These are safe, secure investment opportunities with fixed rates for a set term on a minimum deposit of $1,000.4 

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Attention business owners: We can help you provide employees with HSAs, too.













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Use myHSAinvestments to build up additional savings. 


You can maximize your health care savings now and in retirement with this self-directed investment option.
 
  • IMCU requires $2,500 to open a myHSAinvestments.5
  • $35 annual fee.
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¹All accounts require a membership savings account.
2Dividends are compounded monthly and credited on the last day of every month. 3IMCU is not licensed to provide tax advice. Non-qualified withdrawals may be subject to taxes and penalties. Consult a tax professional. 
4Early withdrawal penalty may apply and could reduce earnings.  See IMCU’s fee disclosure for details. 
5Investment products are not federally insured, are not obligations of the credit union, and may involve investment risk, including possible loss of principal.