Okoboji Location Update

The Okoboji location will begin limited bank services starting Monday, February 10. Safe Deposit Box Access: Monday-Friday, 10 a.m. – 2 p.m. Drive-Up ITM: Monday-Friday 8 a.m. – 6 p.m., Saturday 8 a.m. – Noon. ATM: Monday-Sunday 24 hours. For full-service banking, please visit the new Spirit Lake location at 1800 Royal Avenue.  

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Personal SAVINGS

Buy a high-deductible policy and deposit money in a Health Savings Account (HSA) to use for qualified medical expenses.

Gain more control over your healthcare dollars.

Talk to us about starting a Health Savings Account

Here's what you need to know about

Health Savings Accounts (or HSAs)

 

  • Checking Icon

    Minimum Opening Deposit

    $0

  • Checking Icon

    Minimum Balance

    $0

  • Checking Icon

    Monthly Fees

    $1.25

Eligibility

Anyone enrolled in a HSA-qualified health plan is eligible to open a Health Savings Account.

Every standard HSA offers the following benefits:

  • Earns interest
  • Features tax-deductible contributions
  • Offers convenient tax-free withdrawals by check or debit card for qualified medical expenses
  • Balances carry over year to year without “use it or lose it” requirements
  • Allows you to keep your contributions if you change jobs or retire
  • Is eligible for anyone under age 65 who is enrolled in a HSA-qualified plan

Our HSA also offers interest

  • RATE
    0.50%
    APY*
    0.50%

    $0–9,999.99

  • RATE
    0.75%
    APY*
    0.75%

    $10,000–19,999.99

  • RATE
    1.00%
    APY*
    1.00%

    $20,000+

*Annual Percentage Yields (APYs) effective as of January 2, 2025, and subject to change without notice. Contribution limits and restrictions apply. Fees may reduce earnings. Consult a tax advisor to discuss your financial situation.

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