Health Savings Accounts

Our HSAs are totally FEE FREE!

Designed for people with High Deductible Health Plans (HDHPs),
a Health Savings Account (HSA) earns competitive interest on
every dollar to help people save for medical and retiree health
expenses tax free. Contributions carry over annually and
distributions are tax free for qualified medical expenses.*
Plus, you can access your HSA with our MasterCard® HSA debit card.

Who Qualifies?**

  • Individuals covered at least one month by an HDHP with a
    minimum annual deductible of $1,300 or $2,600 for a family.
  • Individuals cannot be covered by any other health care plan, enrolled in Medicare under age 65, or claimed as a dependent on another person’s tax return in the year of the contribution. 
  • The maximum out-of-pocket expense limit is $6,550
    for individuals and $13,100 for families.


  • The annual contribution limit us $3,350 for an individual, $6,750 for families.

Qualified Medical Expenses Include:

  • Prescription medications
  • Doctor visits
  • Hospital care
  • Dental and orthodontic fees
  • Eyeglasses, contacts and exam fees
  • Lab fees
  • Chiropractor visits
  • Acupuncture
  • and much more

Totally Fee Free

Application processing $0
Set-up $0
Minimum opening balance $0
Monthly maintenance $0
Annual fee $0
Minimum daily balance $0
Debit card $0
Per-check fee $0
Online account access $0
Telephone account access $0
Online cleared check viewing $0
Online statement viewing $0


For more information, contact Member Services at (636) 720-2400 or (800) 500-6860, option 4.

A $25 deposit in a savings account is required for membership. *See a tax advisor for guidance as West Community does not provide tax advice. **Individuals should always check with their plan administrator to determine eligibility.

The money you place in your Credit Union savings account is federally insured up to $250,000 by the National Credit Union Administration (NCUA), the strongest government insurance fund in the country.

BRENTWOOD 2345 S. Brentwood     O’FALLON 4161 Highway K     KIRKWOOD 465 S. Kirkwood     (636) 720-2400 or (800) 500-6860
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