Health Savings Account

Save money and be proactive about health care costs

  • Pay with an HSA Debit Card
  • Tiered interest rates
  • Earn up to 0.50% APY*

Plan Ahead to Minimize Stress

Consider Our Health Savings Account.

A Health Savings Account (HSA) helps our members in Grand Rapids , Lansing and other parts of Michigan avoid the financial stress that often comes from unexpected medical expenses.

  • You can claim a tax deduction for contributions you or someone other than your employer makes to your HSA, even if you do not itemize your deductions on Form 1040.
  • Contributions to your HSA made by your employer (including contributions made through a cafeteria plan) may be excluded from your gross income.
  • The contributions remain in your account until you use them.
    The interest or other earnings on the assets in the account are tax-free.
  • Distributions may be tax-free if used to pay for qualified medical expenses now or in the future.
  • An HSA is portable, meaning you keep it even if you change employers or leave the work force.
  • You must meet these requirements to open an HSA:
  • You must be covered under a High-Deductible Health Plan (HDHP), on the first day of the month
  • You have no other health coverage except what is permitted
    You are not enrolled in Medicare
  • You cannot be claimed as a dependent on someone else's tax return

Working in your best interest.

View All Rates
APY* as high as
0.15 %
Tier 1 HSA
APY* as high as
0.50 %
Tier 4 HSA
View All Rates
Contact A Financial Advisor

Answers to your investment questions.

Contact Us - Contact A Financial Advisor

Adventure Credit Union is a full-service credit union in Michigan with branches in the Greater Grand Rapids and Lansing areas. All those who live, work, worship or attend school in the State of Michigan are eligible to join.

*APY = Annual Percentage Yield. Rates valid as of 11/23/2024 and subject to change without notice. No minimum balance required to open account or earn dividends.  Dividend rate is determined by account balance. Fees could reduce earnings.

Consult a financial advisor for complete details of tax benefits.