{"id":626,"date":"2022-08-16T14:23:22","date_gmt":"2022-08-16T20:23:22","guid":{"rendered":"https:\/\/www.iccu.com\/?page_id=626"},"modified":"2026-02-05T08:56:48","modified_gmt":"2026-02-05T15:56:48","slug":"health-medical-savings-accounts","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/accounts\/savings\/health-medical-savings-accounts\/","title":{"rendered":"Health &#038; Medical Savings Accounts"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-green-color has-text-color\" id=\"h-health-savings-accounts\">Health Savings Accounts<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-lg-font-size\">Contribute to a Health Savings Account (HSA) to pay for current and future medical expenses. HSAs are designed for individuals with a \u201cHigh Deductible Health Plan\u201d (HDHP).<\/p>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Tiered interest levels that increase as your balance increases<\/li>\n\n\n\n<li>Five free withdrawals by check per month<\/li>\n\n\n\n<li>Unlimited transaction with an ICCU HSA Visa Debit Card<\/li>\n\n\n\n<li>Free automatic transfers<\/li>\n<\/ul>\n\n\n\n<button id=\"block_ca67b798fd5f428557d89656b703bc29\" class=\"js-button \" onclick=oao.open('SAV-SHSA')>Open Now<\/button>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-minimum-balance-to-open\" style=\"font-style:normal;font-weight:400\">Minimum Balance to Open<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>$100<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-minimum-balance-to-earn-interest\" style=\"font-style:normal;font-weight:400\">Minimum Balance to Earn Interest<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>$0.01<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-monthly-service-fees\" style=\"font-style:normal;font-weight:400\">Monthly Service Fees<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>$2.50<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-number-of-withdrawals\" style=\"font-style:normal;font-weight:400\">Number of Withdrawals<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>5\/month<\/strong>&nbsp;by check ($1 for each additional)<br><strong>Unlimited<\/strong> with ICCU HSA Visa&nbsp;Debit&nbsp;Card<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-idaho-medical-savings-account\">Idaho Medical Savings Account<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-lg-font-size\">Contribute to an Idaho Medical Savings Account (MSA) and pay for planned or unplanned medical expenses that may come up while earning a competitive interest rate. Contributions may be eligible for a State of Idaho tax deduction.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">For more information, please check out the Idaho MSA on <a href=\"https:\/\/tax.idaho.gov\/taxes\/income-tax\/individual-income\/popular-credits-and-deductions\/medical-savings-account\/\" target=\"_blank\" rel=\"noreferrer noopener\">Idaho.gov<\/a>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Contribute up to $10,000 for a single person, or $20,000 for married couples filing jointly per calendar year<\/li>\n\n\n\n<li>Earn interest, compounded monthly<\/li>\n\n\n\n<li>Unspent money rolls over each year<\/li>\n\n\n\n<li>Free automatic transfers<\/li>\n<\/ul>\n\n\n\n<p class=\"has-lg-font-size\"><strong>Withdrawals<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Five free withdrawals by check per month<\/li>\n\n\n\n<li>Unlimited transactions with an ICCU MSA Visa Debit Card<\/li>\n\n\n\n<li>Tax-free withdrawals<strong><sup> <\/sup><\/strong>to pay for qualified medical expenses, including:\n<ul class=\"wp-block-list\">\n<li>medical, vision, and dental expenses<\/li>\n\n\n\n<li>health insurance and supplemental Medicare premiums and long-term care expenses<\/li>\n\n\n\n<li>transportation to and from medical appointments<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<button id=\"block_607a0c148e3d46d1618e5586fc26e1a0\" class=\"js-button \" onclick=oao.open('SAV-SMSA')>Open Now<\/button>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-minimum-balance-to-open-0\" style=\"font-style:normal;font-weight:400\">Minimum Balance to Open<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>$100<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-minimum-balance-to-earn-interest-0\" style=\"font-style:normal;font-weight:400\">Minimum Balance to Earn Interest<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>$0.01<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-monthly-service-fees-0\" style=\"font-style:normal;font-weight:400\">Monthly Service Fees<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>$5<\/strong> if balance is less than $100<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-number-of-withdrawals-0\" style=\"font-style:normal;font-weight:400\">Number of Withdrawals<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>5\/month<\/strong>&nbsp;by check ($1 for each additional)<br><strong>Unlimited<\/strong> with ICCU MSA Visa&nbsp;Debit Card<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-iccu-savings-benefits\">ICCU Savings Benefits<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-free-mobile-banking\"><a href=\"\/services\/online-banking\/\">Free Mobile Banking<\/a><\/h3>\n\n\n\n<p class=\"has-lg-font-size\">You have all the tools you need to manage your accounts through the ICCU mobile app or on ICCU.com, anywhere, anytime. Check balances, transfer money, pay bills, set up alerts, and so much more.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-free-credit-score-amp-monitoring\"><a href=\"\/services\/my-credit\/\">Free Credit Score &amp; Monitoring<\/a><\/h3>\n\n\n\n<p class=\"has-lg-font-size\">My Credit is a free service powered by SavvyMoney\u00ae that helps you stay on top of your credit. Check your credit score, view your credit report, and get up-to-date credit monitoring notifications through ICCU mobile or online banking.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-free-videochat\"><a href=\"\/contact\/video-chat\/\">Free VideoChat<\/a><\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Bank face-to-face from anywhere in the world with a live service agent through ICCU\u2019s VideoChat. Not only is it convenient, it\u2019s secure and easy to use for account questions, opening a new account, applying for a loan, and much more!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-ncua-insured-up-to-250-000\"><a href=\"\/notices\/ncua\/\">NCUA Insured Up To $250,000<\/a><\/h3>\n\n\n\n<p class=\"has-lg-font-size\">This means your financial resources are backed by the full faith and credit of the United States government \u2014 your money is secure with us!<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n<section id=\"block_8e555e34d384e6caaea0beddf9bdfc03\" class=\"o-rates-table-section is-style-sage-green-with-stripes\">\n    <h2 class=\"o-rates-table-section__heading\">Health Savings Account<\/h2>\n    <div\n\tx-data=\"{\n\t\tshowAll: true\n\t}\"\n\tclass=\"o-rates-table-section__table\"\n>\n\t<div class=\"m-rate-table__wrapper rate-type-savings\">\n\t\t<table class=\"m-rate-table\">\n\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t<th>Balance<\/th>\n\t<th>APY*<\/th>\n\t<th>Interest Rate<\/th>\n\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<tr   data-unique-id=\"savings-26\">\n\t\t\t\t\t\t\t\t<td><span class=\"m-rate-table__mobile-label\">Balance<\/span>0-2,499<\/id>\n\t<td><span class=\"m-rate-table__mobile-label\">APY*<\/span>0.25%<\/td>\n\t<td><span class=\"m-rate-table__mobile-label\">Interest Rate<\/span>0.25%<\/td>\n\t\t\t\t\t\t\t<td class=\"m-rate-table__disclosure-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"m-rate-table__mobile-label\">Terms<\/span>\n\t\t\t\t\t\t\t\t\t<button class=\"a-button a-button--unstyled a-button--disclosure\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Read Disclosure\"\n\t\t\t\t\t\t\t\t\t\t@click=\"modalOpen = true; modalContent = $event.currentTarget.getAttribute('data-disclosure')\"\n\t\t\t\t\t\t\t\t\t\tdata-disclosure=\"&lt;p&gt;&#x2A;APY&#x20;&#x3D;&#x20;Annual&#x20;Percentage&#x20;Yield.&#x20;The&#x20;interest&#x20;rate&#x20;and&#x20;annual&#x20;percentage&#x20;yield&#x20;may&#x20;change&#x20;at&#x20;any&#x20;time.&#x20;Federally&#x20;insured&#x20;by&#x20;the&#x20;NCUA.&lt;&#x2F;p&gt;&#x0A;\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t<span>See Terms<\/span><i class=\"fa-light fa-circle-info\"><\/i><i class=\"fa-solid fa-circle-info\"><\/i>\n\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"m-rate-table__application-link-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr   data-unique-id=\"savings-27\">\n\t\t\t\t\t\t\t\t<td><span class=\"m-rate-table__mobile-label\">Balance<\/span>2,500-24,999<\/id>\n\t<td><span class=\"m-rate-table__mobile-label\">APY*<\/span>0.25%<\/td>\n\t<td><span class=\"m-rate-table__mobile-label\">Interest Rate<\/span>0.25%<\/td>\n\t\t\t\t\t\t\t<td class=\"m-rate-table__disclosure-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"m-rate-table__mobile-label\">Terms<\/span>\n\t\t\t\t\t\t\t\t\t<button class=\"a-button a-button--unstyled a-button--disclosure\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Read Disclosure\"\n\t\t\t\t\t\t\t\t\t\t@click=\"modalOpen = true; modalContent = $event.currentTarget.getAttribute('data-disclosure')\"\n\t\t\t\t\t\t\t\t\t\tdata-disclosure=\"&lt;p&gt;&#x2A;APY&#x20;&#x3D;&#x20;Annual&#x20;Percentage&#x20;Yield.&#x20;The&#x20;interest&#x20;rate&#x20;and&#x20;annual&#x20;percentage&#x20;yield&#x20;may&#x20;change&#x20;at&#x20;any&#x20;time.&#x20;Federally&#x20;insured&#x20;by&#x20;the&#x20;NCUA.&lt;&#x2F;p&gt;&#x0A;\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t<span>See Terms<\/span><i class=\"fa-light fa-circle-info\"><\/i><i class=\"fa-solid fa-circle-info\"><\/i>\n\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"m-rate-table__application-link-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr   data-unique-id=\"savings-28\">\n\t\t\t\t\t\t\t\t<td><span class=\"m-rate-table__mobile-label\">Balance<\/span>25,000+<\/id>\n\t<td><span class=\"m-rate-table__mobile-label\">APY*<\/span>0.25%<\/td>\n\t<td><span class=\"m-rate-table__mobile-label\">Interest Rate<\/span>0.25%<\/td>\n\t\t\t\t\t\t\t<td class=\"m-rate-table__disclosure-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"m-rate-table__mobile-label\">Terms<\/span>\n\t\t\t\t\t\t\t\t\t<button class=\"a-button a-button--unstyled a-button--disclosure\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Read Disclosure\"\n\t\t\t\t\t\t\t\t\t\t@click=\"modalOpen = true; modalContent = $event.currentTarget.getAttribute('data-disclosure')\"\n\t\t\t\t\t\t\t\t\t\tdata-disclosure=\"&lt;p&gt;&#x2A;APY&#x20;&#x3D;&#x20;Annual&#x20;Percentage&#x20;Yield.&#x20;The&#x20;interest&#x20;rate&#x20;and&#x20;annual&#x20;percentage&#x20;yield&#x20;may&#x20;change&#x20;at&#x20;any&#x20;time.&#x20;Federally&#x20;insured&#x20;by&#x20;the&#x20;NCUA.&lt;&#x2F;p&gt;&#x0A;\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t<span>See Terms<\/span><i class=\"fa-light fa-circle-info\"><\/i><i class=\"fa-solid fa-circle-info\"><\/i>\n\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"m-rate-table__application-link-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tbody>\n\t\t<\/table>\n\t\t\t<\/div>\n<\/div>\n\n<\/section>\n\n\n<section id=\"block_a949eadeae99b695eb389a34dc0ed799\" class=\"o-rates-table-section is-style-white\">\n    <h2 class=\"o-rates-table-section__heading\">Idaho Medical Savings Account<\/h2>\n    <div\n\tx-data=\"{\n\t\tshowAll: true\n\t}\"\n\tclass=\"o-rates-table-section__table\"\n>\n\t<div class=\"m-rate-table__wrapper rate-type-savings\">\n\t\t<table class=\"m-rate-table\">\n\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t<th>Balance<\/th>\n\t<th>APY*<\/th>\n\t<th>Interest Rate<\/th>\n\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<tr   data-unique-id=\"savings-454\">\n\t\t\t\t\t\t\t\t<td><span class=\"m-rate-table__mobile-label\">Balance<\/span>0-2,499<\/id>\n\t<td><span class=\"m-rate-table__mobile-label\">APY*<\/span>0.25%<\/td>\n\t<td><span class=\"m-rate-table__mobile-label\">Interest Rate<\/span>0.25%<\/td>\n\t\t\t\t\t\t\t<td class=\"m-rate-table__disclosure-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"m-rate-table__mobile-label\">Terms<\/span>\n\t\t\t\t\t\t\t\t\t<button class=\"a-button a-button--unstyled a-button--disclosure\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Read Disclosure\"\n\t\t\t\t\t\t\t\t\t\t@click=\"modalOpen = true; modalContent = $event.currentTarget.getAttribute('data-disclosure')\"\n\t\t\t\t\t\t\t\t\t\tdata-disclosure=\"&lt;p&gt;&#x2A;APY&#x20;&#x3D;&#x20;Annual&#x20;Percentage&#x20;Yield.&#x20;The&#x20;interest&#x20;rate&#x20;and&#x20;annual&#x20;percentage&#x20;yield&#x20;may&#x20;change&#x20;at&#x20;any&#x20;time.&#x20;Federally&#x20;insured&#x20;by&#x20;the&#x20;NCUA.&lt;&#x2F;p&gt;&#x0A;\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t<span>See Terms<\/span><i class=\"fa-light fa-circle-info\"><\/i><i class=\"fa-solid fa-circle-info\"><\/i>\n\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"m-rate-table__application-link-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr   data-unique-id=\"savings-455\">\n\t\t\t\t\t\t\t\t<td><span class=\"m-rate-table__mobile-label\">Balance<\/span>2,500-24,999<\/id>\n\t<td><span class=\"m-rate-table__mobile-label\">APY*<\/span>0.25%<\/td>\n\t<td><span class=\"m-rate-table__mobile-label\">Interest Rate<\/span>0.25%<\/td>\n\t\t\t\t\t\t\t<td class=\"m-rate-table__disclosure-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"m-rate-table__mobile-label\">Terms<\/span>\n\t\t\t\t\t\t\t\t\t<button class=\"a-button a-button--unstyled a-button--disclosure\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Read Disclosure\"\n\t\t\t\t\t\t\t\t\t\t@click=\"modalOpen = true; 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HSAs are [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3188,"parent":80,"menu_order":70,"comment_status":"closed","ping_status":"closed","template":"product-detail-page.php","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-626","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Health &amp; Medical Savings Accounts - ICCU<\/title>\n<meta name=\"description\" content=\"Contribute to a Health &amp; Medical Savings Accounts to pay for current and future medical expenses. 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