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Health Savings Account

Personal Accounts

Health Savings Account

Simplify your life

Move your HSA to Ideal Credit Union

If you have a qualifying high-deductible health plan, simplify your life by opening or moving your HSA to Ideal Credit Union. You’ll earn a competitive yield with no fees and no minimum distribution amount. Interest earned is also tax free.

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Tax advantages

  • Contributions are 100% tax-deductible
  • Funds grow on a tax-deferred basis and funds used for eligible medical expenses are tax-free
  • Funds rollover from year to year
  • Funds used after age 65 are tax-free for eligible medical expenses

Simple record keeping

Accountholders are responsible for keeping records and receipts for all medical expenses paid using their HSA account. To make this process as simple as possible, we provide several tools via Ideal Online Banking.

  • eStatements - view the past 7 years worth of statements
  • Images of your checks written
  • Records of your debit card transactions.

Health Savings Accounts

2018 - 19 Holiday Hours

Christmas Eve (2018)
Monday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day (2018)
Tuesday, December 25th
All locations closed.


New Year's Eve (2018)
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day (2019)
Tuesday, January 1st
All locations closed



Martin Luther King Jr Day
Monday, January 21st
All locations closed.


Presidents' Day
Monday, February 18th
All locations closed.


Good Friday
Friday, April 19th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 27th
All locations closed.


Independence Day
Thursday, July 4th
All locations closed.


Labor Day
Monday, September 2nd
All locations closed.


Columbus Day
Monday, October 14th
All locations closed.


Veterans Day
Monday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 28th
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.