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Health Savings Account (HSA)

Tax-free savings for your healthcare costs*

An Empeople HSA is used together with a high-deductible health plan (HDHP) to help you save and pay for medical costs. Your contributions are tax-deductible, and your qualified withdrawals are tax free.



  • You must be enrolled in a high-deductible health plan, known as an HDHP to be eligible for an HSA.
  • You are not covered by other health insurance plans.
  • You are not enrolled in Medicare.
  • You are not claimed as a dependent on another person’s tax return.
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  • You and your employer can contribute to your account.
  • Contributions are tax-deductible and interest and withdrawals for qualified medical expenses are tax free.*
  • You can keep the account if you leave your employer, relocate, or become unemployed.
  • Funds carry over year to year.
  • Access and manage your money within digital banking, with an HSA debit card, or through bill pay.

* Consult a tax advisor regarding tax benefits. See IRS Publication 502 for a detailed list of qualified medical expenses.
** The IRS determines eligibility for HSAs. For the most up-to-date information, visit irs.gov.

What are people saying about Empeople?

My credit union treats me differently than I have been treated before by any bank or credit union. I always felt like I was just a number with them. Empeople Credit Union makes me feel like I’m part of a family. They have worked hard to help me rebuild my credit and to make life easier. I love how they call me by my name and not my account number.

Empeople Member
via member survey

As Deere employees, we know we have many benefits available to us, but may not know what they entail. Partnering with Sonja from Empeople Credit Union was very beneficial for our company. She was very knowledgeable about all that Empeople has to offer and our employees enjoyed the face-to-face interaction to be able to learn more. Tennessee Tractor, LLC looks forward to having annual visits with her in the future and having Empeople meeting our employee’s needs.

Ashlianna Owen
Tennessee Tractor LLC

About Empeople

Empeople Credit Union comes from a long history of helping members achieve their financial goals.

We strive to be a trusted and expert financial partner for our members. For this reason and more, we provide personalized financial guidance to help achieve your financial goals.

Become a member today and discover how thoughtful financial support, one-on-one expertise, and responsive service can help empower you on your financial journey.

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