Health Savings Account (HSA)
Make it easy to pay for healthcare expenses with a health savings account.
Save and pay for qualified medical expenses with a Health Savings Account (HSA) or HSA Certificate. Earn dividends on your balance while setting aside money for eligible healthcare costs.
Health Savings Account
Why Choose Park View's Health Savings Account?
A Health Savings Account (HSA) is designed for individuals with a qualified High-Deductible Health Plan (HDHP), offering a smart way to save and manage healthcare expenses. With an HSA, you gain control over your healthcare spending, while also saving money tax-free. It provides peace of mind, knowing you're financially prepared for medical emergencies, all while growing your savings for future health-related expenses.
Tax Advantages
Contributions may be tax-deductible, receive tax-free returns, and make tax-free withdrawals.1
No “Use It or Lose It” Rules
Your HSA balance rolls over from one year to the next with no penalties so it’s there for future healthcare needs.
Works for a Variety of Expenses
Funds can be used for a variety of medical expenses. See a complete list of approved expenses.
No Hidden Fees
Park View's HSAs have no annual or monthly maintenance fees – even if your employment changes.
Free HSA Debit Card
Access funds easily for co-pays, prescriptions, and other qualified expenses.2
Earn Dividends While You Save
Earn a competitive rate to help your healthcare savings grow over time.
2026 HSA Contribution Limits
The annual maximum allowable contributions to an HSA, as established by the IRS.
Contributions may NOT be allowed for individuals age 65 or older. Visit www.irs.gov for additional information.
| Coverage | Contribution Limit |
|---|---|
| Self Only | $4,400 |
| Family | $8,750 |
| Catch Up for Age 55+ | $1.000 |
HSA Certificate
Maximize Your Savings with an HSA Certificate
An HSA certificate allows you to invest a portion of your HSA funds into a certificate, earning higher dividends than a standard HSA while still enjoying the tax advantages of a Health Savings Account.
Competitive Rates
Grow your savings faster than a traditional HSA.
Quarterly Dividends Paid
Grow your funds securely and consistently.
Flexible Terms
Choose from terms ranging from 12 months to 5 years.
Low Minimum Requirement
Open an HSA Certificate with just $1,000.
Current HSA & HSA Certificate Rates
Health Savings Account (HSA) Rates
1$5 minimum deposit in Park View RewardsCurrent as of 10/1/2026
| Balance | APY2 | Dividend Rate |
|---|---|---|
| Over $5,000 | 1.00% | 0.996% |
| Balances to $5,000 | 0.20% | 0.200% |
1$5 minimum deposit in shares account required to open health savings account and earn APY. 2APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Health Savings Account (HSA) Certificate Rates
Current as of 10/1/2026| Min. Opening Deposit | Term | APY* | Dividend Rate |
|---|---|---|---|
| $1,000 | 1 year | 3.45% | 3.406% |
| 2 years | 3.15% | 3.113% | |
| 3 years | 3.15% | 3.113% | |
| 5 years | 3.00% | 2.967% | |
*APY = Annual Percentage Yield. Rates subject to change without notice. The minimum balance required to open this certificate and earn the advertised APY is $1,000. A penalty may be imposed for early withdrawals. The APY is based on the assumption that dividends will remain on deposit until maturity. A withdrawal or fee will reduce earnings. Available for personal accounts only. A Park View Health Savings Account (HSA) is required. Dividends are paid quarterly. For more information, contact us. |
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Open an HSA or HSA Certificate at Park View
How to Get Started
Become a Member
You must maintain a Park View membership to be eligible.
Check Your Health Plan
You must have a high-deductible
health plan.
FAQ
Questions About Health Savings Accounts?
Get the answers you need to your questions about a Health Savings Account at Park View.
Need more ways to save?
At Park View, we offer a variety of smart savings tools to fit your financial goals. Explore your options.
