DATCU Credit Union

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Do You Want Control Over Your Heathcare Costs?

Consider a Health Savings Account (HSA)

A Health Savings Account (HSA) is your very own account that you fund.   It gives you control over your healthcare costs.   You decide how to use the funds in your HSA for your qualified health expenses.

To open and make contributions to a Health Savings Account, you must be enrolled in a high-deductible health plan. Speak with your employer or seek counsel from your insurance representative for more information regarding the legal definition of a high-deductible plan.

Contributions to an HSA may be tax-deductible. Please note that the maximum annual HSA contribution is established by the Internal Revenue Service. Be sure to consult a tax professional to learn more about the various Internal Revenue Service regulations which oversee your Health Savings Account (HSA).

This is an account that you set up, you control, and you own.   You can change jobs, change insurance coverage and the money is still yours.   There is no use it or lose it because each year, unused funds will rollover.   What does this mean for you?   It is a great way to pay for healthcare expenses not covered by your high-deductible health plan.

What Does It Take for You To Establish an HSA?

An eligible individual means an individual who:

  1. Is covered by a high deductible health plan (HDHP); and
  2. Is not also covered by any other health plan that is not an HDHP (with certain exceptions for plans providing certain types of limited coverage); and
  3. Is not enrolled in Medicare; and
  4. May not be claimed as a dependent on another person’s tax return.

Why Would I Set-Up My HSA at DATCU?

As a member of DATCU, you can set-up your Health Savings Account (HSA) at NO Costs.   The minimum balance required to open this Account is $25.00.   There is no minimum balance to maintain it or no monthly service charge for this Account.  That\’s right, there is no service fee.   This is a service to our DATCU members.   All that is required is membership here at the credit union.     To apply for membership, we require is a $25 deposit in a share/savings account.

To Apply for Membership:

To sign up as a member of DATCU, please click the membership application button below and fill out the online form:

Why Were Health Savings Accounts Created?

Health Savings Accounts (HSAs) were created in 2003 so that someone covered by a   high-deductible health plan could receive tax-preferred treatment on monies saved for their medical expenses.   Generally, an adult who is covered by a high-deductible health plan can establish an HSA Account.

Click Here for More Information on Health Savings Accounts.

DATCU Credit Union

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.

DATCU Credit Union

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.