UECU’s Wyomissing and Stroudsburg offices will be closed on Monday, January 19th, for Martin Luther King, Jr. Day. Access your account anytime, anywhere with Mobile and Online Banking.

Health Savings
Account

With the rising cost of healthcare and many companies offering high deductible healthcare plans, UECU’s Health Savings Account (HSA) helps you defray the cost of medical expenses. Our HSA earns a great high-yield dividend while helping you manage your healthcare.

Current rate 0.45% APY1APY=Annual Percentage Yield. Dividend rate and Annual Percentage Yield (APY) are stated as of 1/1/2026.

Why Choose UECU's Health Savings Account?

Get more from your healthcare savings with UECU's feature-rich HSA that puts you in control.

HSA Visa® Debit Card

Make medical purchases with the free HSA Visa® Debit Card everywhere Visa is accepted – and earn VantagePointsrewards.2Earn 1 UECU VantagePoint™ for every $2 you spend with an HSA Visa® Debit Card on qualified healthcare expenses. Cardholders must be enrolled in E-Statements to earn 1 point for every $2 spent on Visa purchases. ATM cash transactions or cash advance transactions are not eligible to earn points. Points are earned net of credits.

Job Portability

With UECU’s HSA you don’t have to worry about moving the account if you switch jobs

Tax Advantages

Contributions are tax-deductible, earnings are tax-deferred, and qualified distributions are tax-free and penalty-free

NCUA Insured

Health Savings Accounts (HSAs) are accounts insured by the NCUA up to $250,000 collectively for all savings products excluding IRAs

High-Yield Dividend

Earns a competitive high-yield dividend rate to help your healthcare savings grow over time

Flexible Access

Order checks if you prefer to write checks from your HSA to cover your medical expenses, plus combined quarterly statements

How It Works

Getting started with your UECU Health Savings Account is simple and straightforward.

1

Fill out the HSA application form and return it to UECU to get started with your account.

2

HSA contributions can be made by payroll deduction, employer deposit, check deposit, or funds transfer from your UECU account.

3

Use your free HSA Visa® Debit Card for medical purchases and enjoy the tax advantages.

What is a Health Savings Account (HSA)?

An HSA is more than just a savings account for medical expenses. Learn why a health savings account stands out from other savings arrangements. HSAs were created by Congress through the Medicare, Prescription Drug, Improvement, and Modernization Act of 2003 and became effective on January 1, 2004. They were created in response to the rising cost of healthcare and health insurance and the larger number of individuals and families with high deductible health plans.

Account Features

UECU's Health Savings Account comes packed with features designed to maximize your healthcare savings.

Eligible Contributions

Fully tax-deductible contributions that reduce your taxable income

Qualified Distributions

Competitive dividend rate to help your healthcare savings grow over time

Rollovers & Transfers

Easy rollovers and direct transfers from one HSA to another HSA or from a Medical Savings Account

No Required Distributions

Unlike other retirement accounts, there are no required minimum distributions

High-Yield Dividend

Competitive dividend rate to help your healthcare savings grow over time

Multiple Funding Options

Payroll deduction, employer deposit, check deposit, or funds transfer from UECU accounts

To open an HSA, complete the application and return it to UECU.

Questions? Call 800.288.6423

Disclosures:

  1. APY=Annual Percentage Yield. Dividend rate and Annual Percentage Yield (APY) are stated as of 1/1/2026.

  2. Earn 1 UECU VantagePoint™ for every $2 you spend with an HSA Visa® Debit Card on qualified healthcare expenses. Cardholders must be enrolled in E-Statements to earn 1 point for every $2 spent on Visa purchases. ATM cash transactions or cash advance transactions are not eligible to earn points. Points are earned net of credits.