Health Savings Account (HSA)

Smart savings for your health and your future. Take control of medical costs with a tax-advantaged account that works for you.

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A flexible way to manage medical expenses

A Health Savings Account from Heartland Credit Union helps you take control of your healthcare costs when paired with a High Deductible Health Plan. With easy access, tax advantages, and digital tools, it’s designed to support your well-being today and tomorrow.

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Convenient Access

Use your HSA Debit Card at any HCU ATM or anywhere VISA is accepted—including pharmacies and healthcare providers. Monitor transactions and manage your account through HCU Digital Banking.

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Tax Benefits

Contributions to your HSA may be tax-deductible, and qualified medical expenses can be withdrawn tax-free. It’s a smart way to save on healthcare while reducing your taxable income.

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Easy Management

Make deposits, withdrawals, and transfers with ease—online, at a branch, or through the mobile app. Your HSA is available to anyone over 18 with a qualifying High Deductible Health Plan.