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Health Savings Accounts

Saving for your healthcare, matters!

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What is an HSA?

Health Savings Accounts (HSA) are tax-deductible accounts established exclusively for the purpose of paying or reimbursing qualified medical expenses that you, your spouse and your dependents incur. If you meet the eligibility requirements for an HSA you, your employer, your family members, and any other person may contribute to your HSA.

Great River Federal Credit Union offers two flexible HSA options.  Below are the features of HSA Savings and HSA Checking Accounts:


No start-up fees


No annual fee


No minimum distribution amounts


Free online account access


Dividends compounded monthly

(on HSA Savings with balances over $10)


Automatic deposit available

HSA Card Mockup

Ways to Access funds:

Use your Visa® Debit Card, write a Check, Withdraw funds from an ATM, or visit any Great River FCU Branch.

Contactless Technology

Check out quickly and safely by tapping your contactless card on the check out terminal.  

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Pretty great right?

See if you’re eligible for an HSA.

You are eligible for a regular HSA contribution if you meet all of the following:


Are covered under a high-deductible health plan (HDHP) on the first day of such month.


Are not also covered by any other health plan that is not an HDHP.

(with certain exceptions for plans providing preventative care and limited types of permitted insurance and permitted coverage)


Are not enrolled in Medicare.


Cannot be claimed as a dependent on another individual’s tax return.

Open your Health Savings Account! 

By Phone

Conveniently add a Health Savings Account to your existing account by calling 320.252.5393 or 1.888.211.5393.

Schedule an Appointment

Speak with a Member Advisor via Great River
Go Live video chat
or at a branch. 

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Want to learn more about Health Savings Accounts?

Visit the IRS Website or call 320.252.5393 and ask to speak to a Member Advisor.

Consult your tax or legal professional for specific information. Visit the IRS website for helpful information including, but not limited to; IRS Publication 969, health savings accounts, other tax-favored health plans, and the instructions to IRS Form 8889.


Having a variety of savings account options for our members matters. Find the best savings account for you.

Personal Loans

Where and how your debit is structured matters. Shop our personal loans to get where you need to be. 


Your story may bring you here in celebration, because of exciting future plans, or a life changing event. Maybe you are struggling and looking for help, or perhaps going to the credit union is an errand in your day. All of these stories matter to us!