SPIRE offers free HSA Savings, Checking and Certificates

  • No minimum balance, monthly service charges or set up fees
  • Earn dividends on all SPIRE HSAs
  • HSA Checking accounts include a free HSA Visa® Debit Card
  • Free eStatements and Internet Banking
  • Set up a recurring auto transfer or direct deposit a portion of your paycheck into your HSA account

HSA Savings Rates

Health Savings Account

0.10 Dividend

0.10 APY*

HSA Checking Rates

Health Savings Account

0.10 Dividend

0.10 APY*

 

View Our Rates


View HSA Certificate rates

*Annual Percentage Yield

    Benefits of a HSA

    • Reduce your insurance premiums by choosing a low-premium HDHP. Put the extra money in your HSA to save for the future
    • Earn tax-free dividends. Withdrawals are 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
    • You decide how much money to put into the account, you don’t have to contribute every year. Your employer may make contributions as well.
    • You decide whether to pay current medical bills, including expenses not covered by insurance or to save for future needs like health insurance and medical expenses if unemployed, medical expenses after retirement (before Medicare) or long-term care expenses.
    • 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. Withdrawals for qualified medical expenses are never taxed.
     

    You are eligible for a HSA if:

    • You are age 18 or older
    • You are covered by a HSA-qualified High Deductible Health Plan (HDHP)
    • You are not currently enrolled in Medicare
    • You are not claimed as a dependent on someone else’s tax return
    • You are not covered by a non-HDHP that provides any benefit also covered by your HDHP

How much can you contribute1 to a HSA?

  • For single coverage, $3,400 for 2017
  • For family coverage, $6,750 for 2017
  • For those age 55 or older, you can make additional “catch-up” contributions: 2017 $1,000
  • Truth in Savings

HDHP amounts as follows:

An HSA-qualified insurance plan that meets the following dollar limits1 for 2017:

  • A minimum annual deductible of $1,300 for 2017 for single coverage; $2,600 for 2017 for family coverage
  • A maximum annual out-of-pocket limit (including co-pays and deductibles) of $6,550 for 2017 for single coverage; $13,100 for 2017 for family coverage.

1HDHP & HSA contribution limits are adjusted annually for inflation.

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Prefer to call? 651.215.3500 OR 888.34.SPIRE

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MIDWESTERN VALUES

Founded in 1934, SPIRE upholds the values of honesty, integrity and hard work. We strive to make it easy to do business with us and truly care about our members.


Contact SPIRE.

We are here to improve lives.

651.215.3500 or 888.34.SPIRE

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