Health Savings Accounts
Healthcare Savings That Grow
Tax-Advantaged Savings for Healthcare Expenses
Health Savings Accounts
One of the major themes of a Health Savings Account (HSA) is individual control. You are the primary decision-maker. You decide when to use the HSA funds to pay for medical expenses. Your employer has no control over the HSA funds. Even when you change jobs, your HSA goes with you. HSAs are designed specifically for individuals with a high deductible health plan. Members who switch to a high deductible health plan will likely enjoy lower premiums. Unlike contributions to a flexible spending account, the balance of an HSA is carried over to the next year. That means the HSA owners are not placed in a position of having to “use it or lose it” each year.
| Declared Monthly Dividends | APY* | Dividend Rate |
|---|---|---|
| Health Savings Account (HSA) | 0.10% | 0.10% |
| *APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||
Health Savings Certificates
Take your HSA even further with a Health Savings Certificate. Enjoy the same tax advantages of your HSA while locking in a competitive rate for a set term. It’s a smart way to grow your healthcare savings for future needs — with the peace of mind that your funds are secure.
MC Federal pays out higher dividends on Certificates for Special Relationships!
See which Special Relationship you may qualify for:
Members Advantage
To Qualify:
- Primary Member aged 60+
Earns:
- Additional 0.10% Annual Percentage Yield on Certificates
- 2 FREE boxes of checks each year
- FREE Cashiers Checks & Money Orders
Loyalty
To Qualify:
- Primary Member has a Checking Account with debit card & direct deposit
Earns:
- Additional 0.10% Annual Percentage Yield on Certificates
Premium
To Qualify:
- Primary Member has $50,000+ in existing deposits with MC Federal
Earns:
- Additional 0.10% Annual Percentage Yield on Certificates
| HSA Certificates | General Membership | Special Relationships | ||
|---|---|---|---|---|
| $500-$49,999 | APY* | Dividend Rate | APY* | Dividend Rate |
| 6 Months | 4.00% | 3.94% | 4.10% | 4.04% |
| 12 Months | 3.75% | 3.70% | 3.85% | 3.80% |
| 15 Months | 3.50% | 3.46% | 3.60% | 3.56% |
| 18 Months | 3.25% | 3.21% | 3.35% | 3.31% |
| 24 Months | 3.00% | 2.97% | 3.10% | 3.07% |
| 36 Months | 3.00% | 2.97% | 3.10% | 3.07% |
| 48 Months | 2.75% | 2.72% | 2.85% | 2.82% |
| 60 Months | 2.50% | 2.48% | 2.60% | 2.58% |
| *APY = Annual Percentage Yield. HSA = Health Savings Account. Minimum Opening Balance = $500. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||||
| Jumbo HSA Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| $50,000 and Over | APY* | Dividend Rate | APY* | Dividend Rate |
| 6 Months | 4.10% | 4.04% | 4.20% | 4.14% |
| 12 Months | 3.85% | 3.80% | 3.95% | 3.90% |
| 15 Months | 3.60% | 3.56% | 3.70% | 3.66% |
| 18 Months | 3.35% | 3.31% | 3.45% | 3.41% |
| 24 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 36 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 48 Months | 2.85% | 2.82% | 2.95% | 2.92% |
| 60 Months | 2.60% | 2.58% | 2.70% | 2.68% |
| *APY = Annual Percentage Yield. HSA = Health Savings Account. Minimum Opening Balance = $50,000. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||||
Questions about Health Savings Accounts?
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