Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.

Merced School Employees Federal Credit Union Homepage

Grandfather and grandson racing each other in a park.

Health Savings Account

Merced School Employees Federal Credit Union
cu@home Login

Take charge of your health care by saving!

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 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.

We're Here For You!

mother holding baby at doctor check up

Need help covering your loved ones’ unexpected healthcare expenses from a high deductible health insurance? We can help with our health savings account loan!
woman helping son with homework in home

Whether you want to become a homeowner or use your home’s equity to your advantage, our loan officers can help you finance the mortgage loan that’s right for you & your loved ones!
Female business owner on phone with paperwork on desk

Maintaining stability in your budget and personal finances can be difficult. Find out how our partner, BALANCE, can help make it easier for you to stay on top of your financial situation!