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Put Your Health + Your Budget First
Set aside money for care while making the most of your income. With an HSA, you can save pre-tax dollars for qualified medical, dental, vision, and other qualified expenses--allowing you to breathe a little easier when life's unexpected happens.
PLUS, YOU CAN
Manage your account in digital banking for current year transactions
Make payments online, by HSA debit card, or by phone
Carry over unused funds from year to year to build long-term savings
Transfer or combine other HSA accounts with your Verve HSA
VERVE EXPERT TIPS
- Treat your HSA like an emergency fund for unexpected health costs.
- Use your HSA funds to pay for qualified health expenses—or continue saving to earn dividends on your balance. The more you save, the more you earn.
- Take advantage of the triple-tax advantage:
- Tax-deductible contributions: Deposits are tax-deductible or pre-tax, reducing your overall taxable income.
- Tax-free growth: Any interest, dividends, or investment earnings in your HSA grow tax-free.
- Tax-free withdrawals: When used for qualified expenses, withdrawals from your HSA are tax-free.
HSA Rates
| Account Balance | Dividend Rate % | APY % * |
|---|---|---|
| $100.00 – $2,499.99 | 0.15% | 0.15% |
| $2,500.00 – $9,999.99 | 0.30% | 0.30% |
| $10,000.00 – $24,999.99 | 0.40% | 0.40% |
| $25,000.00+ | 0.45% | 0.45% |
More Ways to Save
Save for the future + thrive financially with an Optimum, Premier, or Essential Savings.
Earn guaranteed returns. Choose your term and grow your savings.
Get a flexible, safe, higher-dividend-earning retirement savings account.
Automate monthly deposits toward a specific goal—with flexible budgeting to boot!
Save with a purpose. Set a goal and select your payout month to earn higher dividends.
Help your kids with money habits designed to grow with your child.