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Type
Rate
APR*
2.50%
2.658%
2.50%
2.695%
Type
Rate
APY*
0.45%
0.45%
0.35%
0.35%
Type
Rate
APY*
1.98%
2.00%
1.49%
1.50%
Type
Rate
APY*
1.19%
1.20%
0.50%
0.50%
View all rates / disclosures.

*(APY) Annual Percentage Yield

(APR) Annual Percentage Rate

View Mortgage Rates and Apply!
 
Health Savings Account (HSA)

Health Savings Accounts (HSAs):

Healthcare Made More Affordable

Health Savings Accounts (HSAs): Healthcare Made More Affordable

Like death and taxes, healthcare expenses are a sure thing. So why not make those expenses more affordable? A Health Savings Account allows you to make tax-deductible contributions to — and earn tax-free interest on — an account earmarked for doctor’s bills, prescriptions, and other inevitable healthcare expenditures.

How does an HSA work?

HSAs function as both checking and savings accounts. Use checks or a debit card to pay medical balances—with help from free tools like check cards, online banking, EZPay, and e-statements. And don’t forget to use the account to save for future qualified medical and retiree health expenses. Why? Because whether you change health plans or (finally!) retire from the company sponsoring your HSA, the money in your HSA is always yours to keep. Yep, even the interest paid on those qualified balances.

What are the main advantages of a Health Savings Account?

There are many benefits to Heritage Bank HSAs:

  • It is FDIC insured.
  • Contributions made to the account are tax deductible.
  • Withdrawals for qualified medical expenses are tax free.
  • Interest earned on the HSA is tax free.
  • You own, control, and invest the money in your HSA.
  • Unused funds carry over from year to year without limit.
  • Enjoy easy access to the account through your Heritage debit card.

How do I qualify for a HSA?

To qualify for a Health Savings Account, you must be covered by a high deductible health plan (HDHP). And if you’re entitled to Medicare benefits or are claimed as a dependent by someone else, you won’t be eligible. Not sure you qualify? Talk to your employer or a Heritage Bank customer service representative.

Learn More or Apply Now

*Individuals entitled to Medicare benefits or those being claimed as a dependent are not eligible. For a complete description and full disclosure of account details, please contact a Heritage Bank customer service representative.

Education Center

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Lost / Stolen Debit Card

If you've lost your card and it is not during our normal business hours, you can call the STAR® network at:

1-800-523-4175

and respond to the prompts.

Facebook

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Click here to go to our Facebook page.

Education Center

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Education Center – Online Banking Demo

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Education Center

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Deluxe Check Ordering

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Click here to access the Deluxe check ordering page.

Deluxe Check Ordering

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Personal Credit Card Login

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Click here to access the First Bankcard login page.

Business Credit Card Login

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Click here to access the First Bankcard login page.

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