Health Savings Account

Health Savings Account

Nothing’s more important than the health of you and your loved ones. A Health Savings Account (HSA) with Stanford FCU helps you cover expenses not covered by your health insurance. It combines the protection of your high-deductible health insurance plan with a tax-deductible savings account*. And funds are easily accessed with your HSA debit card, through Online or Mobile Banking, or with free checks. At Stanford FCU, we look beyond banking—to support our members’ health, happiness and peace of mind.

Premier Health Savings Account

A Stanford FCU checking account with monthly direct deposit of $500 or more will qualify you for the Premier Health Savings Account (PHSA). The PHSA offers all of the benefits of our regular HSA, but you’ll earn higher dividends on the balance in the PHSA account.

Health Savings Accounts are provided to those members who are employed with one of our Select Employer Groups (SEGs).  Members who qualify through FOPAL/MOAH must visit a local Stanford FCU branch to be eligible for this product.

To set an appointment with a member of our team, click here: Set Appointment

*To be eligible for an HSA or PHSA, you must be enrolled in a High Deductible Health Plan (HDHP). For state income tax treatment of HSAs, check with your accountant, financial advisor or state tax authority, as tax regulations may vary by state.

HSA Features

  • No monthly service fee
  • No minimum balance requirement
  • Free checks
  • Free debit card access
  • Free online and mobile access
Health Savings Account


Health Savings Account Rates

Account Description Dividend Rate Annual Percentage Yield (APY)
Health Savings Account (HSA) 0.20% 0.20%
Premier Health Savings Account (PHSA) 1.50% 1.51%

See Rates


Consult your Tax Advisor for further information. All members are required to have a $5 membership share balance in any of the following accounts: Checking Account, Savings Account, Money Market Account, Share Certificate or Individual Retirement Account.
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