Health Savings Accounts
Contribute to a Health Savings Account (HSA) to pay for current and future medical expenses. HSAs are designed for individuals with a “High Deductible Health Plan” (HDHP).
- Tiered interest levels that increase as your balance increases
- Five free withdrawals by check per month
- Unlimited transaction with an Idaho Central HSA Visa Debit Card
- Free automatic transfers
Minimum Balance to Open
$100
Minimum Balance to Earn Interest
$0.01
Monthly Service Fees
$2.50
Number of Withdrawals
5/month by check ($1 for each additional)
Unlimited with ICCU HSA Visa Debit Card
Idaho Medical Savings Account
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.
For more information, please check out the Idaho MSA on Idaho.gov.
- Contribute up to $10,000 for a single person, or $20,000 for married couples filing jointly per calendar year
- Earn interest, compounded monthly
- Unspent money rolls over each year
- Free automatic transfers
Withdrawals
- Five free withdrawals by check per month
- Unlimited transactions with an Idaho Central MSA Visa Debit Card
- Tax-free withdrawals to pay for qualified medical expenses, including:
- medical, vision, and dental expenses
- health insurance and supplemental Medicare premiums and long-term care expenses
- transportation to and from medical appointments
Minimum Balance to Open
$100
Minimum Balance to Earn Interest
$0.01
Monthly Service Fees
$5 if balance is less than $100
Number of Withdrawals
5/month by check ($1 for each additional)
Unlimited with ICCU MSA Visa Debit Card
ICCU Savings Benefits
Free Mobile Banking
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.
Free Credit Score & Monitoring
My Credit is a free service powered by SavvyMoney® 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.
Free VideoChat
Bank face-to-face from anywhere in the world with a live service agent through ICCU’s VideoChat. Not only is it convenient, it’s secure and easy to use for account questions, opening a new account, applying for a loan, and much more!
NCUA Insured Up To $250,000
This means your financial resources are backed by the full faith and credit of the United States government — your money is secure with us!
Health Savings Account
| Balance | APY* | Interest Rate | ||
|---|---|---|---|---|
| Balance0-2,499 | APY*0.25% | Interest Rate0.25% | Terms | |
| Balance2,500-24,999 | APY*0.25% | Interest Rate0.25% | Terms | |
| Balance25,000+ | APY*0.25% | Interest Rate0.25% | Terms |
Idaho Medical Savings Account
| Balance | APY* | Interest Rate | ||
|---|---|---|---|---|
| Balance0-2,499 | APY*0.25% | Interest Rate0.25% | Terms | |
| Balance2,500-24,999 | APY*0.25% | Interest Rate0.25% | Terms | |
| Balance25,000+ | APY*0.25% | Interest Rate0.25% | Terms |