Health Savings Accounts

Those with a High Deductible Health Plan (HDHP) can benefit from the low fee Health Savings Account the Credit Union offers. A Health Savings Account (HSA) is a U.S.-government-sponsored account that individuals can establish to make tax-deductible contributions, earn tax-free dividends on contributions, and withdraw money tax-free for qualified medical expenses. With easy access through checks and a HSA debit card, you can make paying for your health care needs a little easier. Track your accounts through clicking the following links to continue to online banking or our mobile app.

The standard limit on the HSA card for an ATM withdrawal is $250 daily. The standard limit on the HSA card for a POS transaction is $1,000 daily. If you need a higher limit or a temporary increase for a bill, please contact the credit union. We will be happy to assist you.

To qualify for a HSA, first, the individual or family must have a High Deductible Health Plan (For 2022 a HDHP is $1,400 deductible for individuals; $2,800 for family) - other restrictions apply.


  • Individual - $3,600 per year
  • Family - $7,200 per year

Avoid $1 a month paper statement charge for your HSA account, by signing up for e-statements!

LOG IN or sign up for online banking below.

SIGN UP for e-statements or access e-statements by logging in to online banking, go to the Self Service tab and then E-statements.

Login TO ONLINE BANKING E-Statements HSA FAQs HSA Debit Card HSA Authorized User Debit Card

* $2 account closure fee if member closes membership at the credit union

To activate a new HSA chip card, simply call us at 937-228-1614 and we can activate your HSA over the phone. Please have your HSA chip card with you when you call. You may also activate a new HSA chip card by taking it to an ATM and putting in the PIN number you set the card up with, and inquire what your checking account balance is. You must choose checking for the balance account inquiry when activating your HSA at an ATM.  When using the new chip cards make sure to leave the card in the chip holder until it prompts you to remove it. Also if the reader has a chip option, you must place the chip card in the reader. If there is no chip reader option, you can swipe the card. If you are using the HSA chip card in an ATM, insert your HSA chip card in the terminal and follow the instructions on the screen. If you need any assistance with your HSA chip card, please call 937-228-1614.

For lost or stolen HSA debit cards, members should contact MasterCard immediately at 888-908-7835.  When you call to report the card lost or stolen, the ONLY way to get a new HSA debit card or HSA Authorized user debit card issued is to contact the credit union. All paperwork that needs to be signed for potential fraud or a new card, will only be sent to you by contacting the credit union at 937-228-1614.