Health Savings Accounts

  • $0 deposit & minimum balance

  • No Monthly Fee or annual maintenance fees                                                     

  • Dividends earned2

  • Free Health Savings Debit Card

  • Free Online Banking

  • Online Check Imaging Available

  • Email & Text alerts3

  • Free access to all IMCU, Alliance One, and All Point ATM Nationwide

  • Free eStatements - Paper statement fee may apply.

  • Option for investing reserve funds in an HSA Certificate4

  • No application or setup fees to open the account

  • Competitive rate of return

  • Funds can be withdrawn at the branch, ATM, or by using your HSA debit card

  • Account activity can be reviewed online

MyHSAInvestment Option*

  • Maximize your health care savings now and in retirement.

  • Self-directed investment option now available.

  • IMCU requires $2,500 to open a myHSAInvestment

  • $35 annual fee.

 

For Employers: The Indiana Members Credit Union HSA has no minimum balance or initial deposit and no monthly fee, offers a free IMCU Health Savings Debit Card and free Online Banking, too. Not to mention, IMCU currently has one of the best rates in town. In addition, IMCU representatives will come on site to answer questions employees may have and take care of opening their accounts, on the spot, saving time and resources. Alternatively, your employees can open their HSA at any IMCU branch. 

If you’d like to know more about making this affordable option available to your employees, call Gina Terril, AVP Business Development, at 317.554.8163 or ginat@imcu.com


 Health Savings Account Rates

Balance $1.00-$2,499.99 0.75% APY 0.75% Dividend Rate
Balance $2,500-$9,999.99 1.00% APY
1.00% Dividend Rate
Balance $10,000.00+ 1.51% APY 1.50% Dividend Rate
1APY=Annual Percentage Yield. Dividend rate is variable and may change after account is opened. Rate is accurate as of 1.01.2025. Minimum balance required to earn dividends. Fees may reduce earnings. All terms above subject to change without notice. Membership savings account required. $10,000 minimum balance required for 1.50%APY. See tier rate structure for details. Dividend rate is variable and equal to 1.50%. Rate subject to change and effective as of 01.01.2025. Indiana Members is not licensed to provide tax advice. Funds may not be used to cover any overdrafts on an HSA checking account while invested in a certificate. Certain restrictions apply. Consult your tax advisor.
 

Don't miss out on the benefits of an HSA! Watch our video guide on HSA enrollment below.

 

Want to Boost Your Future Health Savings?

Take advantage of higher dividends and short-term commitment with a Health Savings Certificate! IMCU offers a range of terms to meet a variety of needs. Access your account to view the balance online at any time. 























 2IMCU is not licensed to provide tax advice. There is no “use it or lose it” provision, so you have the ability to carry over the funds not used throughout the year.
³ Dividends are compounded monthly and credited on the last day of every month.
4 Standard text messaging rates may apply