Health Savings Accounts

HSAs are a convenient tax-free way to save and pay for qualified medical expenses.

SPIRE offers free savings, checking, and certificate Healthcare Savings Accounts (HSAs).

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Book an Appointment

Let us help you save money and keep your family healthy. Experience the SPIRE difference today.

We believe SPIRE is more than a financial institution. Our Core Purpose is to improve lives and we want to be a partner in life with you.

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Earn Tax-free Dividends

All SPIRE HSAs earn dividends on any balance.

Withdrawals are also tax-free when used
for qualified medical expenses.

You may even be able to deduct your contributions on your
tax return if they are not done on a pre-tax basis
by your employer.

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Customize Your Savings

You decide how much money to put into the account and you don’t have to contribute every year.

You can contribute:
For single coverage, up to $3,850 per year.
For families, up to $7,750 per year.
For those 55 years of age or older,
you can make an additional "catch-up" contribution of up to $1,000.

Your employer may make contributions as well.

Customize Your Expenses

Withdrawals for qualified medical expenses are never taxed.

You decide whether to pay current medical bills, including expenses
not covered by insurance or to save for future needs like
health insurance, long-term care expenses, or medical expenses
while unemployed, or retired.

All money left over grows tax-free, including interest.
Even if you switch jobs, become unemployed or retire, it’s yours.
It can even be passed on to loved ones.

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No Minimum Balance or Service Fees

SPIRE HSAs do not require a minimum balance.

There are also no setup monthly service fees.

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Free Direct Deposit

Set up a recurring auto transfer or direct deposit
a portion of your paycheck into your HSA to help you save.

image of SPIRE HSA Visa Debit card

Enjoy Your Free SPIRE HSA Visa® Debit card.

With a SPIRE Health Savings Checking account, you will receive a free SPIRE Visa Debit card.

Your card number, expiration date, and name are all on the back to deter hackers and skimmers.

Learn more about SPIRE debit cards


Other Savings ProgramsRates Effective: 12/1/2023

Dividend APY*
Holiday Savings Club0.3000.30
Budget Savings0.3000.30
Puppy Pal Savings0.3000.30
Teen Savings0.3000.30
Health Savings Account0.3000.30

VIEW ALL RATES View all Rates icon
*Annual Percentage Yield.
At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).

Truth in Savings Disclosure

Compare Your Options

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Whatever you're saving for, SPIRE can help get you there.

Compare Savings Options

Calculate Your Savings

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Find out how much you could save with monthly deposits.

Financial Calculators


See current Service Fee Schedule for additional information. Fees may reduce earnings.

Regulation D

Regulation D requires that during any calendar month you may not make more than six withdrawals or transfers from your savings account to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. Transactions governed by Regulation D include, but are not limited to: automatic transfers from savings to checking for overdraft protection, automatic transfers from saving to any other account, telephone transfers from savings to any other account (including transfers made using Telephone Banking and the fax machine,) preauthorized payments from savings, transfers from savings to any other account using Personal Access Home Banking. Regulation D allows unlimited transfers and withdrawals from a saving account when made by mail, messenger, ATM, or in person, or when such withdrawals are made by telephone provided a check is mailed to the member. Transfers to repay loans at the credit union and to pay safe deposit box rent are also unlimited.

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