Health Savings

You need more than an apple a day to keep up with medical expenses these days. HSAs are a healthy way to save for them.

A Health Savings Account allows you to save money to pay for medical care and health claims while earning dividends on your balances. If you are enrolled in a High Deductible Health Plan through your employer, you can put money aside with contributions that are tax-deductible and distributions that are tax-free when used for a qualified medical expense. Learn more about Health Savings Account at the U.S. Department of Treasury.
Here is our HSA Program at a glance*:
  • APR (Annual Percentage Rate) is 0.35%
  • Minimum Deposit $10.00
  • Monthly Maintenance $1.95
  • Account Early Closure (w/in 90 days) $10.00
  • Card Replacement $5.00

Convenient Access

You can view your account balance and make transfers with Heartland Online or Mobile Banking services. You can withdraw up to $300 as a pin-based transaction and/or $2,000 as a signature-based transaction daily.

Your Funds are Insured

Your Heartland Federal Credit Union funds are Federally Insured to $250,000 by NCUA. Heartland FCU also carries additional insurance for member accounts provided by Excess Share Insurance (ESI) for a total of $500,000 per member.

* all fees sand APR are subject to change

Holiday Closing

All branches will be closed Monday, May 30 in honor of Memorial Day. We will reopen to normal business hours Tuesday, May 31. See all our holiday closings here.