Health Savings Account - HSA | 4Front Credit Union - Michigan
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Health Savings Account (HSA)

Healthcare expenses can add up fast, but an HSA can help you manage it all, allowing you to save for current and future medical expenses with tax advantages, flexibility, and peace of mind. 

Why get a Health Savings Account?

  • Tax benefits that help you go further: Tax-deductible contributions, tax-free earnings, and tax-free withdrawals for qualified medical expenses—yep, triple tax savings! We’ll make sure your money is getting the most out of every dollar saved.
  • Savings that roll over year after year: Unlike other health accounts, your HSA balance rolls over each year. So you’ll always be covered when a “rainy day” comes along.
  • Spend on health your way: Your HSA funds cover a variety of medical expenses—from doctors’ visits and prescriptions to dental and vision care—you have the freedom to manage your health your way. All with no monthly fees.
  • Payments made smart and simple: You can make payments with your HSA debit card, transfer funds right in online baking, or use the 4FrontGo app.

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Are there qualifications to get an HSA?

Yes. There are qualifications. But only three. To open an HSA, you need to:

  1. Be covered by a high deductible health plan (HDHP).
  2. Not be enrolled in Medicare.
  3. Not be claimed as a dependent on someone else’s tax return.

Ready to give your health savings a boost?

Open an HSA online or stop by a branch near you! Your future health (and wallet) will thank you.

 

Learn more about HSAs and how one can benefit you!

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Health Savings Account

A Health Savings Account (HSA) is a useful tool worth considering for anyone with an HDHP. Learn more about what an HSA has to offer and how to minimize your out-of-pocket medical expenses. 

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Make the Most of Your HSA or FSA

Both accounts can help provide a way for you to pay health care costs. Use this automated coach to help guide you through deciding how much you should contribute.                                

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HSA Beneficiary Options

HSA beneficiaries have two options available to them, depending on their relationship to the original HSA owner. Learn about your options and how to navigate those times.                                                                                            

Current Rates

Health Savings Accounts (HSA)

Rates effective as of 3/24/2025
MinimumDividend RateAPY*
None0.10%0.10%
*APY = Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest. Fees may reduce earnings.
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