Where financial wellness meets personal wellness.

Health Savings Account.Health Savings Account.

It’s an investment in your well-being.

Set money aside into this tax-advantaged account each pay period - building the savings you need for expected and unexpected medical bills

HSA Debit Card

Get a healthier return on your deposits.

A Community First Health Savings Account (HSA) is designed to help you be healthy, wealthy and wise! For a one-time $25 enrollment fee, you can:


Earn a high dividend rate on all of your balances with no tiers

Vision and Dental

Make in person deposits and receive service locally

no fees

Pay no monthly administrative or service fees


Receive a dedicated Visa® debit card and 25 checks to make payments

Competitive rates & terms

Health Savings Account
TypeMinimum BalanceDividend RateAPY1
Health Savings AccountNone1.001.00

Make healthcare saving and spending easier.

With these complimentary services, you’ll be able to build up your savings, keep track their growth and pay bills simply and conveniently.

Is a Community First HSA right for you?

To qualify for a Health Savings Account, you must be:

High Deductible Health Plan.

Covered under a High Deductible Health Plan (HDHP) on the first day of the month

Flexible Spending Account.

Not covered by other health plans including a spouse's health plan and sometimes a spouse's Flexible Spending Account (FSA)


Not enrolled in Medicare


Not claimed as a dependent on someone else's tax return


This is only an overview for your benefit. Please use this IRS resource to help determine eligibility.


You can use your HSA to cover a variety of qualified medical expenses including:


Co-pays & doctor visits



vision and dental

Vision and dental expenses


Over-the-counter medications prescribed by doctor


This is only an overview for your benefit. Please use this IRS resource to help determine eligibility.


You decide how much to contribute within these annual contribution limits set by the IRS. You can choose to use the funds or keep accumulating them for the future.


2023 HSA Contribution Limits


Minimum Deductible


Contribution Limit

Catch Up Contribution
 (minimum age is 55)


$1,500 $7,500 $3,850


$3,000 $15,000 $7,750

Offering an HSA as an employee benefit.

Having attractive employee benefits helps employers with recruiting and retaining staff. Both the employee AND employer can make tax-deductible contributions to an employee’s Health Savings Account, making them a desirable addition for a company benefit package.

If you are a business owner or manager who would like more information about how we can complement to your company’s health insurance plans by setting up employees with individual HSAs, contact our Business Services Team.

offer Health savings to employees

Ready to open an account?

Once you have verified you have a qualified High Deductible Health Insurance Plan (HDHP), we’ll help get you started saving towards your health.

Contact Us     contact us or visit us.    Visit Us

How much can a HSA save me?

Calculate your savings and see how it adds up to help pay for medical bills now and in the future.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that Community First Credit Union assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.