Health Savings (HSA)

Your Smart Way to Save on Healthcare Costs

Reduce your healthcare expenses and build long-term savings with an HSA.

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Triple Tax Advantage
Pre-tax contributions can be withdrawn tax-free for qualified medical expenses.
Flexibility for Everyday Care
Use your HSA for doctor visits, prescriptions, dental, vision and more.
Long-Term Growth
Funds roll over every year—and your account stays with you even if you change jobs.

Save Today. Plan for Tomorrow.

An HSA is more than an account—it’s a powerful way to manage healthcare costs and grow your savings.

Why an HSA?

An HSA helps you save on healthcare costs and reduce your taxes—all while planning for the future.

  • Designed for High-Deductible Health Plans
  • Earn dividends and grow your savings over time
  • Easy access with a KeyPoint HSA debit card
  • Manage online: pay bills, track expenses and stay in control

Learn more about HSAs.

Save for qualified medical expenses with a tax-advantaged Health Savings Account from KeyPoint Credit Union. Manage healthcare costs while building savings in the San Francisco Bay Area, Santa Barbara County and beyond.

Today’s HSA Rates

Effective Date: 4/1/2026
Minimum Balance
Dividend Rate
Annual Percentage Yield (APY)
Any balance 0.25% 0.25%
Start Saving Today
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Frequently Asked Questions

KeyPoint offers low rates on loans, high rates on savings, and low fees. At your member-owned financial institution, you’ll save money AND enjoy personal service! To learn more about our current fees, please call our contact center at (888) 255-3637.

Notify us immediately at (888) 255-3637 so we can block your card and prevent further fraud. We will mail you a new card(s), or you can get a replacement instantly at any KeyPoint branch. Or complete and submit a Cardholder Dispute Form so we can research the unauthorized transaction(s).

In order to close your account, we must first confirm your identity. Call (888) 255-3637, Live Chat (the link is in the top right corner of our website) or visit any Branch location.

Are you moving out of the area?

No need to close your account! We offer free remote banking options as well as more than 5,000 shared branch locations for your convenience. If you can’t visit one of our local branches, speak with a live KeyPoint Member Service Representative by calling (888) 255-3637 or use our Live Chat at the bottom of the page. Don't miss out on our Member benefits.

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KeyPoint Membership required. Consult your separate HSA disclosure for restrictions on withdrawals, tax penalties and other important information. HSAs can change frequently, so you should consult your tax advisor to determine if you qualify. KeyPoint Credit Union does not give tax or legal advice.

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