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Merced School Employees Federal Credit Union Homepage

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Health Savings

Merced School Employees Federal Credit Union
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Broken bones shouldn’t break the piggy bank and neither should any medical care. 

If you have high deductible health insurance, a MSEFCU Health Savings Account (HSA) can help you save for medical expenses in a separate, tax-advantaged account.  MSEFCU’s HSA functions like a checking account, that means you can write checks and use an HSA debit card to pay for health expenses right from your HSA.  We even have an HSA loan to help fund the account, should you need more than you’ve been able to save. 

HSA Benefits

• No minimum deposit
• Access your account 24/7 – with cu@home online banking, our mobile app or by touchtone phone
• Helps ease out of pocket expenses
• Tax Savings (Be sure to consult your tax advisor)
• Account balance rolls over year to year (no use it or lose it)

To learn more about Health Savings Accounts, call us at 209-383-5550. To learn about HSAs in general, visit www.irs.gov and search “Publication 969” or “HSA”.

Be sure to consult with a tax advisor regarding your HSA deduction.

An HDHP may be HSA-eligible if it satisfies the IRS’ annual deductible and out of pocket expense limits. The rules that define an HSA-eligible HDHP can be complicated so check with your employer or insurance provider to see if your health plan is HSA-eligible.



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