Health Savings Accounts (HSA)

Help ease the pain of health care costs. Make tax-free deposits and withdrawals for qualified medical expenses.

  • Open to individuals and families covered by a high-deductible health insurance plan
  • Earn tax-free dividends while saving for future medical expenses
  • Easy access to your HSA account funds with a CMCU HSA debit card
  • Receive tax deductions on qualified contributions
  • At the end of the year, unused funds stay in your account for the next year
  • Now with no monthly maintenance fees!


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Calculate Your Savings

Initial Investment (optional):
Deposit Frequency:
Deposit Amount:
Annual Interest Rate:
Number of Years:
Future Value:
Interest Earned:

*Calculator provides general estimations only. Inconsistencies may occur with the use of the calculator and the outcomes are not credit guarantees. For specific payment and interest information, please contact us. CMCU certificates are compounded monthly.


How do I access the funds in my CMCU HSA checking account?
You can access the funds via check, debit card, internet banking (including bill pay), or in person at any branch.
Is there a monthly maintenance fee for an HSA account?
How soon after my employer makes a contribution to my account will I have access to these funds?
Will my HSA checking account earn dividends/interest?
What happens if I write a check for more than my HSA balance?
Who ensures that the funds in my HSA account are used for qualified medical expenses?
Will I be receiving any tax related documents for my HSA account from CMCU and/or my employer?
Do I have to report anything to the IRS?
Who is responsible to ensure that I don’t exceed my HSA annual contribution limit?
What are the HSA contribution limits?
Where else can I find information on Health Savings Accounts?
I went to the doctor’s office, what happens next?
Earn tax free dividends while saving for medical expenses.
Personal Savings

Personal Savings

Check out the variety of savings accounts CMCU has to offer. Plus get started easily by applying totally online.

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Youth Savings

Youth Savings

Kids can start saving while earning prizes with each birthday and deposit! Learn more about kids savings accounts.

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Put your money into a higher yielding certificate account. Your money is safe and secure with a variety of terms.

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Plan for retirement with IRA accounts and other retirement planning accounts. Open an account or work with an advisor.

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