If you’re managing your healthcare costs with a high deductible health plan (HDHP), a Health Savings Account (HSA) can help you make the most of most of your money.

Make tax-deductible contributions, accumulate tax-deferred earnings, and take tax-free distributions whenever you need to pay for qualified medical expenses.

Spectrum Credit Union’s HSA Checking and HSA MarketEdge accounts earn the same great rates as our regular Member Checking and MarketEdge Money Market Savings accounts, and there are no monthly administration fees or minimum deposit, balance, or distribution limits. Checks and debit cards are available for both types of accounts.

PLEASE NOTE: If you would like to add an authorized signer to your HSA, please complete and return this HSA Authorized Signer Form.

With an HSA Checking account, you get convenient access to your funds while earning dividends on balances of $500 or more.

An HSA MarketEdge Money Market Savings account is intended for higher account balances of $2,500 or more, so you can earn higher dividend rates. We generally limit withdrawals to six per month.

We partner with Ascensus, a renowned financial services and retirement savings organization, to offer the IRA and HSA Center, a one-stop shop for retirement resources and education. For more information about our HSA offerings, or to open an HSA, visit our IRA and HSA Center, or give us a call at 800-782-8782. For those outside the U.S., please call 510-251-6000.