Personal Health Savings Account (HSA)


A smart way to manage
health care expenses

Stretch your budget with a SEFCU Personal HSA. Fund it with pre-tax dollars, then use it towards qualified health care expenses. Your withdrawals and any earnings are tax-free.


Triple Tax Advantage*

Contributions = Tax-free
Withdrawals = Tax-free
Investment Gains = Tax-free

Features & Benefits

Save and pay for health care

  • Contributions, qualified withdrawals and asset growth are all tax-free
  • Must be paired with a High Deductible Health Plan (HDHP), which could mean lower premiums
  • HDHPs generally don’t cover medical expenses up to the annual deductible
  • An HSA can help cover those out-of-pocket expenses/charges not covered by your plan
  • You decide how and when to contribute
  • Keep the money if you move, change jobs, or change health care providers
  • Great option for self-employed or uninsured members
  • You may not qualify if you’re covered by a policy other than HDHP, Medicare, a general purpose Flexible Spending Account (FSA), or Health Reimbursement Account (HRA)
  • Contact your benefits manager or tax advisor to check eligibility



See which account is best for you

Health Savings Account

  • Immediate access to funds
  • Triple tax advantage*
  • Pay for qualified health care expenses now
  • Unused balance rolls over to the next calendar year


HSA Share Certificate

  • Access funds for 6-24 months
  • Earn a higher dividend
  • Pay for qualified health care expenses later
  • At maturity, funds can be rolled over into a new share certificate or deposited into an HSA Checking account

View HSAs

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Open a SEFCU Personal HSA today

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Financial Education



Personal HSA

Triple tax advantages

Easy way to pay qualified medical expenses

Contributions are tax-deductible (up to federal limit)

Money carries over every calendar year


View HSAs

More to think about...

*Consult your tax advisor for details.