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100
101<aside aria-label="Quick Links">
102  <a id="top" class="sr-only sr-only-focusable" href="#content">Skip to main content</a>
103  
104<a class="online-banking-login login-accessible sr-only sr-only-focusable" href="https://my.verveacu.com/Authentication">Go to Online Banking</a>
105
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117        <p><b>SCAM ALERT:</b> Fraudsters are sending text messages that appear to be from Verve and may ask members to confirm transactions or speak with a &quot;Fraud Department&quot; representative. Do not respond or provide personal information.&nbsp;</p>
118
119<p>Click <a href="https://verveacu.com/scam-alert-fraudsters-impersonating-verve-through-text-messages.html">here</a> to read the full scam alert and learn how to protect yourself.&nbsp;</p>
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127  <div class="navbar navbar-default">
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130        <span class="navbar-brand">
131          <a href="/" aria-label="Verve Credit Union"><img src="/images/logo.svg" alt="Verve Credit Union" /></a>
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185    <p class="login-links">
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212      </div>
213
214      <ul class="header-utility-links navbar-right">
215  <li class="header-search-link">
216    <a id="header-search-link" href="/search/search.php">
217      <img src="/images/icons/search.svg" alt="" aria-hidden="true" />
218      Search
219    </a>
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222  <a  href="/locations.php">Locations + ATMs</a>
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226  <a  href="/rates.html">Rates</a>
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228  <a  href="/contact-us.html">Contact Us</a>
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230</ul>
231
232
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234        <div class="mobile-nav-grid-wrapper">
235          <div class="intro-block">
236            <div class="wysiwyg-wrapper flexible-column col-xs-12">
237  <h2>Hi.</h2>
238
239<p>Want to save more and stress less? Explore our bundles and thrive financially with better rates and lower fees.</p>
240
241<p><a class="btn btn-tertiary btn-custom" href="/checking.html">explore bundles</a></p>
242</div>
243          </div>
244          <!-- #include virtual="/TEMP/TEMP_top_navigation.html" -->
245          <!--in the real template, navgen.php gets called here-->
246          <ul class="nav navbar-nav"><li class="dropdown active"><a href="/personal.html"><span class="text">Personal</span></a><button data-toggle="dropdown" class="dropdown-toggle" aria-pressed="false" aria-expanded="false" aria-controls="menu-personal-banking">
247                              <span class="sr-only">Toggle Personal Menu</span>
248                              <img src="/images/icons/svg-icon-menu.svg" alt="Menu Icon" />
249                            </button><ul id="menu-personal-banking" class="dropdown-menu"><li class="intro-block"><div class="wysiwyg-wrapper flexible-column col-xs-12">
250  <h2>Hi.</h2>
251
252<p>Want to save more and stress less? Explore our bundles and thrive financially with better rates and lower fees.</p>
253
254<p><a class="btn btn-tertiary btn-custom" href="/checking.html">explore bundles</a></p>
255</div></li><li><a href="/checking.html">Checking</a><ul class="dropdown-menu"><li><a href="/verve-optimum-checking.html">Verve Optimum Checking</a></li><li><a href="/verve-premier-checking.html">Verve Premier Checking</a></li><li><a href="/verve-essential-checking.html">Verve Essential Checking</a></li><li><a href="/early-pay.html">Early Pay</a></li><li><a href="/round-up.html">Verve Round Up</a></li></ul></li><li><a href="/savings.html">Savings</a><ul class="dropdown-menu"><li><a href="/verve-optimum-money-market.html">Verve Optimum Money Market</a></li><li><a href="/verve-premier-savings.html">Verve Premier Savings</a></li><li><a href="/verve-essential-savings.html">Verve Essential Savings</a></li><li><a href="/youth-savings.html">Youth Savings</a></li><li><a href="/name-your-savings.html">Name Your Savings</a></li><li><a href="/certificates.html">Certificates</a></li><li><a href="/health-savings-accounts.html">Health Savings Accounts</a></li><li><a href="/individual-retirement-accounts.html">Individual Retirement Accounts</a></li></ul></li><li><a href="/credit-cards.html">Credit Cards</a><ul class="dropdown-menu"><li><a href="/verve-optimum-world-mastercard.html">Verve Optimum World Mastercard</a></li><li><a href="/verve-premier-mastercard.html">Verve Premier Mastercard</a></li><li><a href="/verve-essential-mastercard.html">Verve Essential Mastercard</a></li><li><a href="/credit-card-rewards.html">Credit Card Rewards</a></li></ul></li><li><a href="/loans-financing.html">Loans + Financing</a><ul class="dropdown-menu"><li><a href="/personal-signature-loans.html">Personal Signature Loans</a></li><li><a href="/auto-loans.html">Auto Loans</a></li><li><a href="/recreational-loans.html">Recreational Loans</a></li><li><a href="/credit-builder-loan.html">Credit Builder Loan</a></li><li><a href="/kwik-cash.html">Kwik Cash</a></li><li><a href="/fixed-rate-mortgage.html">Fixed Rate Mortgage</a></li><li><a href="/adjustable-rate-mortgage.html">Adjustable Rate Mortgage</a></li><li><a href="/home-equity-line-of-credit.html">Home Equity Line of Credit</a></li><li><a href="/home-equity-loan.html">Home Equity Loan</a></li></ul></li></ul></li><li class="dropdown"><a href="/business.html"><span class="text">Business</span></a><button data-toggle="dropdown" class="dropdown-toggle" aria-pressed="false" aria-expanded="false" aria-controls="menu-business-banking">
256                              <span class="sr-only">Toggle Business Menu</span>
257                              <img src="/images/icons/svg-icon-menu.svg" alt="Menu Icon" />
258                            </button><ul id="menu-business-banking" class="dropdown-menu"><li class="intro-block"><div class="wysiwyg-wrapper flexible-column col-xs-12">
259  <h2>Hi.</h2>
260
261<p>Did you know we&#39;re open 24/7 online and on mobile?<br />It&#39;s true!</p>
262
263<p><a class="btn btn-tertiary btn-custom" href="/technology.html">check it out</a></p>
264</div></li><li><a href="/deposit-accounts.html">Deposit Accounts</a><ul class="dropdown-menu"><li><a href="/business-checking.html">Business Checking</a></li><li><a href="/business-savings.html">Business Savings</a></li></ul></li><li><a href="/business-loans-financing.html">Loans + Financing</a><ul class="dropdown-menu"><li><a href="/business-credit-cards.html">Business Credit Cards</a></li><li><a href="/commercial-term-loans.html">Commercial Term Loans</a></li><li><a href="/commercial-lines-of-credit.html">Commercial Lines of Credit</a></li></ul></li><li><a href="/business-tools-services.html">Tools + Services</a><ul class="dropdown-menu"><li><a href="/merchant-services.html">Merchant Services</a></li><li><a href="/positive-pay.html">Positive Pay</a></li></ul></li></ul></li><li class="dropdown"><a href="/learning-center.html"><span class="text">Learning Center</span></a><button data-toggle="dropdown" class="dropdown-toggle" aria-pressed="false" aria-expanded="false" aria-controls="menu-learning-center">
265                              <span class="sr-only">Toggle Learning Center Menu</span>
266                              <img src="/images/icons/svg-icon-menu.svg" alt="Menu Icon" />
267                            </button><ul id="menu-learning-center" class="dropdown-menu"><li class="intro-block"><div class="wysiwyg-wrapper flexible-column col-xs-12">
268  <h2>Hi.</h2>
269
270<p>Not sure where to start? Members get unlimited access to self-guided lessons in our Financial Resource Center.</p>
271
272<p><a class="btn btn-tertiary btn-custom" href="https://verve-credit-union.everfi-next.net/">learn more</a></p>
273</div></li><li><a rel="external" href="https://verve-credit-union.everfi-next.net/" target="_blank">Financial Resource Center</a></li><li><a href="/blog.html">Our Blog</a></li><li><a href="/security-fraud.html">Security + Fraud</a></li><li><a href="/technology.html">Technology</a></li><li><a href="/zelle.html">Zelle®</a></li></ul></li><li class="dropdown"><a href="/about-verve.html"><span class="text">About Verve</span></a><button data-toggle="dropdown" class="dropdown-toggle" aria-pressed="false" aria-expanded="false" aria-controls="menu-about-us">
274                              <span class="sr-only">Toggle About Verve Menu</span>
275                              <img src="/images/icons/svg-icon-menu.svg" alt="Menu Icon" />
276                            </button><ul id="menu-about-us" class="dropdown-menu"><li class="intro-block"><div class="wysiwyg-wrapper flexible-column col-xs-12">
277  <h2>Hi.</h2>
278
279<p>Providing better ways to manage money, save, and borrow responsibly makes sense, right?<br />We think so too.</p>
280
281<p><a class="btn btn-tertiary btn-custom" href="/membership.html">join today</a></p>
282</div></li><li><a href="/membership.html">Membership</a></li><li><a href="/why-verve.html">Why Verve?</a></li><li><a href="/community-support.html">Community Support</a></li><li><a href="/scholarships.html">Scholarships</a></li><li><a href="/locations.php">Locations + ATMs</a></li><li><a href="/contact-us.html">Contact Us</a></li><li><a href="/careers.html">Careers</a></li><li><a href="/additional-services.html">Additional Services</a></li></ul></li></ul>
283
284          <!-- pick one of the following and delete the other -->
285          <form id="header-searchform-as-dropdown" class="navbar-form search as-dropdown" role="search" action="/search/search.php" method="get">
286  <button type="button" class="close hidden-md hidden-sm hidden-xs" aria-label="Close"><span aria-hidden="true">×</span></button>
287
288  <label for="header-searchform-query_t"><span class="sr-only">Enter your search term below.</span></label>
289  <div class="input-group">
290    <input type="hidden" value="1" name="search" />
291    <input placeholder="Search..." type="search" class="form-control" id="header-searchform-query_t" name="query_t" />
292    <span class="input-group-btn">
293      <button type="submit" class="btn">
294        <img src="/images/icons/search_big.svg" alt="Search" />
295        <span class="sr-only">GO</span>
296      </button>
297    </span>
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299</form>
300
301          <!-- #include virtual="/inc/header_search_form.html" -->
302          <button data-toggle="modal" data-target="#openAccountModal" class="confetti-button btn btn-custom btn-primary">Open an Account</button>
303        </div>
304      </nav>
305    </div>
306  </div>
307  <!-- Open Account Modal -->
308  <div class="modal fade" id="openAccountModal" tabindex="-1" role="dialog" aria-labelledby="openAccountModalLabel">
309    <div class="modal-dialog" role="document">
310      <div class="modal-content">
311        <div class="modal-header">
312          <button type="button" class="close" data-dismiss="modal" aria-label="Close">
313            <span aria-hidden="true">&times;</span>
314          </button>
315          <h4 class="modal-title" id="openAccountModalLabel">Open an Account</h4>
316        </div>
317        <div class="modal-body">
318          <div class="wysiwyg-wrapper flexible-column col-xs-12 col-sm-4">
319  <h3>New to Verve?</h3>
320
321<p>Become a member by simply opening an account online.</p>
322
323<p><a class="btn btn-tertiary btn-custom" href="/membership.html">membership info</a></p>
324
325<h3>Already a member?</h3>
326
327<p>Open an additional checking and/or savings account.</p>
328</div><div class="wysiwyg-wrapper flexible-column col-xs-12 col-sm-8">
329  <h2>I would&nbsp;like to open a&hellip;</h2>
330
331<p><a class="btn btn-primary btn-custom" href="https://apply.verveacu.com/account-opening" target="_blank">Personal Account</a>&nbsp;<a class="btn btn-primary btn-custom" href="https://verveacu.com/business-team-contact-page.html" target="_blank">Business Account</a></p>
332</div>
333        </div>
334      </div>
335    </div>
336  </div>
337</header>
338
339
340<!--/sphider_noindex-->
341
342<header aria-owns="content" id="content-header" class="content-header">
343  <!-- #include virtual="/navgen.php?show=headerimage" -->
344  <div class="container-fluid">
345    <div class="text-wrapper">
346      <h1>Health Savings Accounts (HSA)</h1>
347<div class="header-subtitle"><p>Take advantage of a plan that helps you keep more of what you earn</p></span>
348    </div>
349  </div>
350</header>
351
352<div class="site-content">
353  <main aria-labelledby="content-header" id="content" class="content">
354    <div class="row">
355
356      <section class='on-white '><div class='container-fluid'><img src="https://verveacu.com/sft1964/mountain-biking.jpg" alt="man and woman mountain biking through a forest in autumn" class="flexible-column col-xs-12 col-sm-4 verve-mask " data-aos="fade-right"><div class="wysiwyg-wrapper flexible-column col-xs-12 col-sm-8" data-aos="fade-left">
357  <h2>Put Your Health + Your Budget First</h2>
358
359<p>Set aside money for care while making the most of your income. With an HSA, you can save pre-tax dollars for qualified medical, dental, vision, and other qualified expenses--allowing you to breathe a little easier when life&#39;s unexpected happens.</p>
360
361<p><a class="btn btn-primary btn-custom" href="https://verveacu.com/contact-us.html" target="_blank">Contact Us</a></p>
362</div><div class="wysiwyg-wrapper flexible-column col-xs-12" data-aos="fade-up">
363  <h2 class="text-center">PLUS, YOU CAN</h2>
364</div><div class="wysiwyg-wrapper flexible-column col-xs-12 col-sm-3" data-aos="fade-right">
365  <p><img alt="arrow icon" class="pull-left img-responsive" height="38" src="sft1995/arrow-blue.svg" width="38" />Manage your account in digital banking for current year transactions</p>
366</div><div class="wysiwyg-wrapper flexible-column col-xs-12 col-sm-3" data-aos="fade-right">
367  <p><img alt="arrow icon" class="pull-left img-responsive" height="38" src="https://verveacu.com/sft1995/arrow-blue.svg" width="38" />Make payments online, by HSA debit card, or by phone</p>
368</div><div class="wysiwyg-wrapper flexible-column col-xs-12 col-sm-3" data-aos="fade-right">
369  <p><img alt="arrow icon" class="pull-left img-responsive" height="38" src="https://verveacu.com/sft1995/arrow-blue.svg" width="38" />Carry over unused funds from year to year to build long-term savings</p>
370</div><div class="wysiwyg-wrapper flexible-column col-xs-12 col-sm-3" data-aos="fade-right">
371  <p><img alt="arrow icon" class="pull-left img-responsive" height="38" src="https://verveacu.com/sft1995/arrow-blue.svg" width="38" />Transfer or combine other HSA accounts with your Verve HSA</p>
372</div></div></section><section class='on-logo '><div class='container-fluid'><div class="icon-callout col-xs-12 col-sm-4">
373  <div class="lottie-icon" data-source="/images/icons/lottie/expert-advice.json"></div>
374</div><div class="wysiwyg-wrapper flexible-column col-xs-12 col-sm-8" data-aos="fade-left">
375  <h2>VERVE EXPERT TIPS</h2>
376
377<ul>
378	<li>Treat your HSA like an emergency fund for unexpected health costs.</li>
379	<li>Use your HSA funds to pay for qualified health expenses&mdash;or continue saving to earn dividends on your balance. The more you save, the more you earn.</li>
380	<li>Take advantage of the triple-tax advantage:
381		<ul>
382			<li><strong>Tax-deductible</strong><strong> contributions:</strong> Deposits are tax-deductible or pre-tax, reducing your overall taxable income.</li>
383			<li><strong>Tax-free growth:</strong> Any interest, dividends, or investment earnings in your HSA grow tax-free.</li>
384			<li><strong>Tax-free withdrawals:</strong> When used for qualified&nbsp;expenses, withdrawals from your HSA are tax-free.</li>
385		</ul>
386	</li>
387</ul>
388</div></div></section><section class='on-smoke '><div class='container-fluid'><div class="wysiwyg-wrapper flexible-column col-xs-12" data-aos="fade-up">
389  <h2 class="text-center">HSA Rates</h2>
390</div><div data-aos="fade-up" class="animated-rate-table-wrapper">
391<div class="rates-table-wrapper non-bundled-rate-table flexible-column col-xs-12">
392  
393  <table class="rates rtable280" title="Health Savings Account (HSA) Rates table">
394    <caption class="sr-only">Comparison table of Health Savings Account (HSA) Rates</caption>
395    <thead>
396      <tr>
397        <th class="product">Account Balance</th>
398        <th class="rate">Dividend Rate %</th>
399        <th class="apy">
400          APY %
401          <sup>*</sup>
402        </th>
403        <!--<th class="note">&nbsp;</th>-->
404      </tr>
405    </thead>
406    <tbody><tr>
407  <th class="product" scope="row">$100.00 – $2,499.99 </th>
408  <td class="rate">0.15%</td>
409  <td class="apy">0.15%</td>
410  <!--<td class="note">0.15%</td>-->
411</tr>
412<tr>
413  <th class="product" scope="row">$2,500.00 – $9,999.99 </th>
414  <td class="rate">0.30%</td>
415  <td class="apy">0.30%</td>
416  <!--<td class="note">0.30%</td>-->
417</tr>
418<tr>
419  <th class="product" scope="row">$10,000.00 – $24,999.99 </th>
420  <td class="rate">0.40%</td>
421  <td class="apy">0.40%</td>
422  <!--<td class="note">0.40%</td>-->
423</tr>
424<tr>
425  <th class="product" scope="row">$25,000.00+ </th>
426  <td class="rate">0.45%</td>
427  <td class="apy">0.45%</td>
428  <!--<td class="note">0.45%</td>-->
429</tr>
430</tbody>
431  </table>
432</div>
433
434
435</div><div class="wysiwyg-wrapper flexible-column col-xs-12" data-aos="fade-down">
436  <p class="text-center"><a class="btn btn-primary btn-custom" href="https://apply.verveacu.com/account-opening/account-holder-types?_gl=1*1eer9cl*_gcl_au*MTQ4MDgwNTk5OS4xNzc3NTcxMTEw*_ga*NzY0NjkzODcuMTc2MTgzNzYwMA..*_ga_JR47HYKKEG*czE3ODE2Mjc5OTQkbzE0MSRnMSR0MTc4MTYyNzk5NSRqNTkkbDAkaDE5MDcyNjEyNzg." target="_blank">Open an HSA</a></p>
437</div></div></section><section class='on-white '><div class='container-fluid'><div class="wysiwyg-wrapper flexible-column col-xs-12" data-aos="fade-up">
438  <h2 class="text-center">More Ways to Save</h2>
439</div><div class="wysiwyg-wrapper flexible-column col-xs-12 col-sm-4" data-aos="fade-right">
440  <p>Save for the future + thrive financially with an Optimum, Premier, or Essential Savings.</p>
441
442<p><a class="btn btn-tertiary btn-custom" href="/savings.html">Personal Savings Options</a></p>
443</div><div class="wysiwyg-wrapper flexible-column col-xs-12 col-sm-4" data-aos="fade-right">
444  <p>Earn guaranteed returns. Choose your term and grow your savings.</p>
445
446<p><a class="btn btn-tertiary btn-custom" href="/certificates.html">Certificates</a></p>
447</div><div class="wysiwyg-wrapper flexible-column col-xs-12 col-sm-4" data-aos="fade-right">
448  <p>Get a flexible, safe, higher-dividend-earning retirement savings account.</p>
449
450<p><a class="btn btn-tertiary btn-custom" href="/individual-retirement-accounts.html">IRAs</a></p>
451</div><div class="wysiwyg-wrapper flexible-column col-xs-12 col-sm-4" data-aos="fade-right">
452  <p>Automate monthly deposits toward a specific goal&mdash;with flexible budgeting to boot!</p>
453
454<p><a class="btn btn-tertiary btn-custom" href="/name-your-savings.html">Name Your Savings</a></p>
455</div><div class="wysiwyg-wrapper flexible-column col-xs-12 col-sm-4" data-aos="fade-right">
456  <p>Help your kids with money habits designed to grow with your child.</p>
457
458<p><a class="btn btn-tertiary btn-custom" href="/youth-savings.html">Youth Savings</a></p>
459</div><div class="row-break hr flexible-column col-xs-12"></div><div class="col-xs-12">
460  <div class="block-outer-wrapper">
461  <div class="wysiwyg-wrapper flexible-column col-xs-12" data-aos="fade-up">
462  <h2>LIVE LIFE WITH VERVE</h2>
463
464<h3>Financial advice, community outreach, + more</h3>
465
466<p><a class="btn btn-primary btn-custom" href="/blog.html">Visit Our Blog</a></p>
467</div>
468</div>
469</div>
470<div class="blog-feed-wrapper">
471 
472
473</div></div></section><section class='on-smoke '><div class='container-fluid'><div class="wysiwyg-wrapper flexible-column col-xs-12" data-aos="">
474  <h4>The Legal Stuff</h4>
475
476<aside aria-label="disclaimer" class="disclaimer" role="note">APY - &nbsp;Annual Percentage Yield. Dividends are compounded and paid monthly. Minimum balance of $100 to earn dividends. Fees or other conditions could reduce the earnings on the account. The dividend rate and annual percentage yield are variable rates and may change at any time as determined by the Credit Union&rsquo;s Board of Directors. Accounts are subject to limitations imposed by the IRS. Please consult a tax advisor for your specific tax implications. For additional details please refer to your HSA Agreement.</aside>
477
478<aside aria-label="disclaimer" class="disclaimer" role="note">Rates as current as of January 13, 2026</aside>
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511    <small class="copyright">©2026 Verve, a Credit Union. All rights reserved. <span class="bbi"><a rel="external" href="https://brownboots.com/" title="BrownBoots | Bank Website Marketing Agency">Website by BrownBoots Interactive, Inc.</a></small>
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