Acadia Health Savings Accounts (HSA)
Are you suffering from a high-deductible health plan? Choose from Acadia's three types of HSA (Health Savings Accounts) and get help paying for prescriptions, co-pays, and other medical expenses.
Save Money Tax-Free
To open any type of Health Savings Account (HSA) with us, you’ll need to be on a high deductible health plan (HDHP). This account type offers flexibility in covering medical expenses for yourself, your spouse, and your dependents—even if they are not covered by your health insurance plan.
Funds from your HSA can be used tax-free to pay for qualified medical expenses, including doctor visits, medications, dental and eye care, chiropractic services, insurance deductibles, and more. You are responsible for ensuring your HSA distributions are only used for qualified expenses and maintaining records for IRS compliance.
You can check on the updated contribution amounts each year here.
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Save money tax-free for medical expenses
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Supplement high deductible health insurance
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Afford the best care for your family
There are three types of HSA Accounts
Only authorized signers can be on these accounts, NOT joint owners or beneficiaries.
HSA Checking Account
This is your primary HSA account, required even if you open an HSA Club or Share Certificate. It’s used for paying qualified medical expenses and comes with a debit card for easy access to your funds.
HSA Super Saver
If you don’t frequently use your HSA funds, consider transferring them to an HSA Super Saver account to earn more in dividends. We can help you move your money so you can maximize your savings while keeping it accessible.
HSA Share Certificate
This account offers the highest dividend rates, making it ideal for members with larger HSA balances. Keep in mind, withdrawing before maturity results in a penalty, so it’s best for funds you won’t need right away.
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Yes. However, you can complete this transaction one time only, for life. You can contribute funds from your IRA to your HSA, up to the IRS limit for your type of coverage.
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You may designate one or more beneficiaries to receive the balance of your HSA after your death. If you do not designate a beneficiary, or if none of the beneficiaries you designate are alive on the day after your death, then your HSA will be paid to your surviving spouse. If you have no spouse, then the balance will go to your children, or if you have no children, to your estate.
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The short answer is YES. Here are few important things to know about how Maine credit unions are protected:
- Federally insured credit unions offer a safe place for credit union members to save money. These deposits are protected by the National Credit Union Share Insurance Fund and insured up to at least $250,000 per individual depositor – the same as any other federally insured financial institution.
- Credit union deposits in federally insured credit unions are safe and secure, and all Maine credit unions are federally insured.
- Credit union members have never lost a penny of insured savings at a federally insured credit union.
- All Maine credit unions are regularly examined by financial regulators to ensure proper management and maintain the safety and soundness of members’ money within the institution.
Visit www.MyCreditUnion.gov for more information about the National Credit Union Share Insurance Fund coverage for consumers. Download this informational brochure to help answer any other questions you may have.
Rates
Savings Account Rates
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Prime Savings |
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Custom Savings |
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Monty Moose |
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Christmas Club |
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Super Saver Tier I
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Super Saver Tier II
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Acadia Star Money Market Tier 1
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Acadia Star Money Market Tier 2
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Acadia Star Money Market Tier 3
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Acadia Star Money Market Tier 4
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Health Savings Account (HSA) |
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HSA Super Saver Tier 1
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HSA Super Saver Tier 2
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Rates effective as of: March 25, 2025
*APY = Annual Percentage Yield. All rates are subject to change without notice.
†When qualification and minimum balance requirements are met
**Super Saver, Acadia Star Money Market, and HSA Super Saver accounts are compounded daily and credited monthly. These are "Tiered Rate" accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance that is within that tier. The range of annual percentage yields, which vary depending on the balance in the account, are shown for each tier.
Open Account
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