Plan ahead to cover the rising costs of health care for you and your family. An HSA provides a vehicle for tax-free earnings, and withdrawals are also tax free if used for qualified medical expenses.

  • $50 minimum deposit to open
  • Competitive interest rate^
  • Interest compounded and credit monthly
  • First box of checks free
  • Unlimited check writing
  • Free debit card

  • Must be covered under a qualified, high deductible health plan
  • Cannot be claimed as a dependent on another person's tax return
  • Cannot be enrolled in Medicare

Contribution limits are set by the IRS. For current maximum contribution limits for both individual and family coverage, please visit the IRS website.

Mastercard Debit Card Guide to Benefits

*Consult your tax advisor.

**Transaction limitations - Transfers or withdrawals from a Savings Account, Money Market Account, or Red Apple Club to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle. If these limits are exceeded, this account may be converted to a checking account or your ability to initiate transfers, withdrawals, or checks to third parties may be restricted.

***Withdrawals for non-qualified medical expenses are subject to income tax and a 10% penalty. The 10% penalty is waived for persons 65 and over or who have become disabled. 

^Variable interest rate which may be changed at any time.


This product is not currently available in our Texas market. Please contact your local branch for more information.