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Utilities Employees Credit Union
Maximize your savings
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 8/1/2026.
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 VantagePoints™ rewards.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
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:
APY=Annual Percentage Yield. Dividend rate and Annual Percentage Yield (APY) are stated as of 8/1/2026.
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.