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Health Savings Account (HSA)

A Health Savings Account is designed for individuals with a high-deductible medical insurance plan, to help you cover the costs not paid by your plan. You’ll get free checks and debit card access to help you pay doctors, dentists, pharmacy and other medical expenses.


  • You must be enrolled in a high deductible health plan (HDHP)
  • No minimum deposit to open the account ($50 minimum balance to earn dividends at a variable rate)
  • No monthly service fee
  • Possible Tax Benefits (consult a tax advisor for eligibility)
  • Access funds with free checks, a debit card and Online or Mobile Banking
  • Deposits are federally insured by the NCUA to at least $250,000 (Individual Retirement Accounts up to an additional $250,000)

Visit Retirement Central to learn more and open an HSA

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Premier Health Savings Account

Earn higher rates when you meet the following criteria:


Employed by one of Stanford FCU's Partner Companies
Have a Stanford FCU checking account with a minimum $1,000 monthly direct deposit
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Health Savings Account Rates

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Account Description Dividend Rate Annual Percentage Yield (APY)
Health Savings Account (HSA) 0.10% 0.10%
Premier Health Savings Account (PHSA) 0.20% 0.20%

Effective 3/24/2023

Dividends are compounded and paid monthly. Membership eligibility is required.