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Rising medical costs in California and throughout the country have many people searching for ways to make their health care dollars go further. One of the most powerful tools to help you accomplish that goal is a Health Savings Account (HSA) from San Mateo Credit Union. When coupled with a high-deductible health plan (HDHP), an HSA provides tax-related benefits*, a competitive interest rate, and a debit card and/or checks to pay for your qualified medical expenses.
We'll cover some of the basic features of HSAs here. If you still have questions, don't worry. These are complex accounts, so please don't hesitate to visit your local SMCU branch to get the answers you need.
HSAs enjoy tax-advantaged treatment that can be great for you as the account holder. Under IRS rules you can enjoy three tax benefits, known as the triple tax advantage:
The money in an HSA stays with you, and funds are always accessible through a special HSA Visa® Debit Card. That means any unused funds stay in your account - you do not lose the money. And, if you change jobs, change health plans, or retire, you get to keep your account.
To open a Health Savings Account please visit one of our branch locations.
A new look for us means better experience for you. Our redesigned site makes it easy to find what you need and it looks great on desktop and mobile.
Access to your account is only a couple clicks away. To log in, click the Login button at the top of any page, then enter your user name and password, which have not changed.
Find loans, accounts, credit cards, digital banking, and much more – all in fewer clicks. Explore the top navigation and go directly to popular pages using “Quick Links”
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Choose a financial milestone on the homepage to read online educational materials, plan for related events, check out products and helpful resources, and more.
From useful calculators to online financial education courses to security tips, SMCU has an entire section dedicated to keeping you financially fit.