Health Savings Account

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Strengthen Your Health Plan Today

Are you looking for a way to make your health plan healthier? With our Health Savings Account, you not only have a smart and easy way to offset healthcare costs, you also have several tax-advantaged ways to save. Enjoy tax deductions on your contributions, tax-free earnings through investment, and tax-free withdrawals1. Use it now or save it for later!

Account Benefits:

  • Earn interest above standard savings on entire balance
  • Receive higher rates on larger balances
  • Funds can be withdrawn at any time2
  • Avoid the $3 monthly service fee by maintaining a $500 minimum average balance
  • Unused funds remain in account year after year; no "use it or lose it" policy
  • Keep your HSA in your name, regardless of career or life changes
  • Free Mastercard® debit card 3
  • Free digital banking, including:4
  • Free mobile pay services available
  • Free telephone banking available
  • No minimum deposit to open
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Tax Advantages

Our HSA provides triple tax savings:

  • Tax deductions when you contribute
  • Tax-free earnings
  • Tax-free withdrawals1

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Banking That Fits Your Life

More Ways to Save with Us

Discover additional ways to save. We offer multiple ways for you to save so you can reach your goals.
local savings account

Local Savings

A multi-purpose savings account with competitive interest rates on the entire balance.
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Certificates of Deposit (CDs)

Our CDs have guaranteed earnings at a fixed rate for the time horizon you choose.
money market account

Money Market Account

Make the most of your higher savings balance, plus you maintain easy access to your funds.
individual retirement accounts iras

Individual Retirement Accounts (IRAs)

Whether Traditional, Roth, or Coverdell ESA. Our IRAs come with competitive interest rates and tax advantages.
holiday club savings account

Holiday Club Savings

It’ll definitely be a blue Christmas if you forget to save! Make deposits anytime and no minimum balance requirements.
kids club savings account bees

Kids Club Savings

It’s never too early to teach them the importance of saving. Available to kids and teens through age 17 with no monthly service fee.
local savings account

Local Savings

A multi-purpose savings account with competitive interest rates on the entire balance.
certificate of deposit cd

Certificates of Deposit (CDs)

Our CDs have guaranteed earnings at a fixed rate for the time horizon you choose.
money market account

Money Market Account

Make the most of your higher savings balance, plus you maintain easy access to your funds.
individual retirement accounts iras

Individual Retirement Accounts (IRAs)

Whether Traditional, Roth, or Coverdell ESA. Our IRAs come with competitive interest rates and tax advantages.
holiday club savings account

Holiday Club Savings

It’ll definitely be a blue Christmas if you forget to save! Make deposits anytime and no minimum balance requirements.
kids club savings account bees

Kids Club Savings

It’s never too early to teach them the importance of saving. Available to kids and teens through age 17 with no monthly service fee.
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Explore Mortgage Options That Fit Your Life

Open the Door to Homeownership

From first homes to refinances, our experts help you find competitive mortgage options tailored to your needs — so you can move forward confidently.

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Explore Other Products

See what else we offer — from home and personal loans to mobile banking and Zelle®—to help you manage money your way.
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Buy, Refinance, or Invest

Home Loans

Discover mortgage and home loan options designed to make your dream home a reality.
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Flexible Funding

Personal Loans

Find the right loan for your goals with flexible options, and competitive rates.
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Anytime - Anywhere

Banking Services

Discover secure, convenient banking tools designed to fit your life.
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Money in Minutes

Zelle®

Safely send and receive money with friends, family.
woman playing with her orange cat on the living room floor

Buy, Refinance, or Invest

Home Loans

Discover mortgage and home loan options designed to make your dream home a reality.
father son piggy back ride

Flexible Funding

Personal Loans

Find the right loan for your goals with flexible options, and competitive rates.
cardswap woman excited about online shopping debit card

Anytime - Anywhere

Banking Services

Discover secure, convenient banking tools designed to fit your life.
young man looking at phone on couch

Money in Minutes

Zelle®

Safely send and receive money with friends, family.

1Consult a tax advisor. Tax-free withdrawals may be available for qualified medical, dental, and vision expenses.

2If funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn will be included as taxable income and is subject to an IRS penalty. Consult a tax advisor for more information. 

3Isabella Bank does not charge for issuing debit card, however you may incur transaction fees when you use the card at a merchant or at an ATM. 

4Third party data and text messaging charges and/or internet services may apply. Please contact your provider for details.

5A monthly paper statement fee will be charged to all health savings accounts not enrolled for electronic statements through our online banking services.