Go to main content Online banking Username Password Enroll Now | Forgot password? Health Savings Account (HSA) A Health Savings Account (HSA) is a savings account that can be used as part of a High Deductible Health Plan (HDHP). It allows you to pay for health expenses and build savings for future qualified medical health expenses on a tax-free basis. (Consult your tax professional for details.) You, your employer or another person can make contributions on your behalf. Features of HSAs: See disclosures, rates and fees Savings account with a free Visa® debit card, instantly issued Accumulated earnings are tax-deferred Membership fee may be waived No monthly service fee No annual administration fee Contributions are tax deductible and can be made throughout the year Funds remain in your account from year to year; there's no “use it or lose it” each year like with a Flexible Spending Account (FSA) You own your HSA account even if you change jobs or health insurance Account is federally insured by the NCUA up to $250,000 Open an account today Visit any of our branches or call 800-732-0173. Locate a branch | Open a Health Savings Account Go to main navigation Helpful Links Visit a branch Member Merits Health Savings Account rates Today's featured rates Today's featured Health Savings Account (HSA) rates Effective Date: Wednesday, November 24th, 2021 Rates as high as (APY) 0.05% Visit us at a branch See disclosures, rates and fees Play Video Types of health coverage Rising health-care costs have driven the demand for, and the price of, medical insurance sky-high. People who are not currently covered by their employers have few affordable sources for group coverage. Discover the satisfaction of saving money The sense of satisfaction you’ll get from reaching your goals could whet your appetite for saving more money. Why you should care about rising interest rates Interest rates directly affect how much it costs you to borrow money. Go to main navigation Accessibility assistance: If you have difficulty accessing or using any portion or function of our online or mobile channels, please call us at 800-732-0173 or email us. We will work with you to provide the information, item, or transaction you seek in a manner that we believe is accessible for you, as we are able. Branches Contact us Careers Site Map Oregon State Credit Union PO Box 306 Corvallis, OR 97339 Phone: 800-732-0173 | Routing number #323274270 | NMLS #472475 Contact Form Email Us Branch locations