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*$25 minimum to open. Fees could reduce earnings. Rate/Yield on the above accounts is subject to change daily. Questions? Call 1-800-543-2811. Review ACU's Truth-In-Savings-Disclosure

Health Savings Account (HSA) Rates
Account Type Minimum To Earn Dividends Dividend Rate* Annual Percentage Yield (APY)*
HSA Savings/HSA Checking
Effective May 1, 2021
Account Type

HSA Savings/HSA Checking

Minimum To Earn Dividends


Dividend Rate*


Annual Percentage Yield (APY)*


Effective May 1, 2021

Health Savings Account (HSA) Features

An America's Credit Union HSA will save you money on medical expenses while earning a healthy dividend.

HSA's are designed to help individuals with High-Deductible Health Plans* pay for current and future qualified healthcare costs on a tax-free basis.

Unused HSA funds may be rolled over form year to year, allowing you to grow your balance and cover larger medical expenses that may arise in the future. This account is portable, meaning you can take it with you regardless of job changes.

  • Open with a minimum deposit of $25.
  • No service fee.
  • No minimum balance required.
  • Access your account with your Debit Card, check, ACH, or through teller transactions.
  • Earn annual dividends by maintaining an average daily balance of $100.
  • No fee for point of sale transaction.
  • Free first order of printed checks.
  • No transaction limitations (accountholder is responsible for compliance with IRS regulation).
  • Monthly account statement.
  • Prompt annual reporting of account balance and any withdrawals.
  • ACU membership required (Share Savings account with minimum deposit of $25).
hsa health savings account at america's credit union helps you save for medical expenses stay healthy man running on the side of the road
ACU Employee

Budgeting Your Savings

Free Budgeting eBook

It’s essential that you have good budgeting habits to increase your savings. Whether you’re budgeting and saving for a one-time event like a wedding, saving for a major life change like having a baby, or getting better at managing daily spending and saving in general, this eBook will help!

Full of budget templates and tips about creating a budget and tricks for sticking to it, this guide is essential for your future saving goals. With some organization and a good plan, you’ll be adding deposits to your Savings Account regularly.

Claim Your FREE Copy Today!

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The Easiest Way to Add to Your Savings Account

If you’re not familiar with the 52 Week Savings Challenge, it’s a relatively easy way to add to your Savings Account over the course of a year.

On the first week put $1 in your Savings Account and leave it there for the whole year. On the second week put $2 in your Savings Account. Continue this pattern so on the 52nd week you’re depositing $52 into your Savings Account. At the end of the year, you will have saved $1,378 plus interest! For other variations of this savings plan check out our blog post Three Ways to Make the 52 Week Savings Challenge Work for You.