HSA Rates

High yield Health Savings accounts

Type	Min. Balance	Dividend Rate	APY	Disclaimers
12 Month Add-on	$250	1.203%	1.210%	^C, ^D, ^N
		$50,000	1.253%		1.260%
		$100,000	1.302%		1.310%
24 Month Add-on	$250	1.302%	1.310%	^C, ^D, ^N
		$50,000	1.352%		1.360%
		$100,000	1.401%		1.410%
HSA Checking	$25	0.310%	0.310%	^P

C) Early Withdrawal Penalties: A penalty may be imposed for withdrawals before maturity for certificates: a) If your account has an original maturity of less than 12 months, the penalty we may impose will equal the greater of $100.00 or 90 days earnings. b) If your account has an original maturity of 12 months or more, the penalty will equal the greater of $150.00 or 180 days earnings. For more information, please refer to Provident's Member Agreement. c) For Youth Add-On certificates the penalty we may impose will equal 180 days earnings.
D) You can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting your term. Deposits that bring the balance over $1,000,000 are at the discretion of Provident’s management.
N) This account requires concurrent enrollment in a Stand Bank OnlineHSA Checking account.
P) There is a service charge of $2 per month for this account.

HSA Checking

Provident's HSA works like a checking account and earns dividends. Funds for immediate medical expenses are accessed with a debit card.

Government rules determine whether you are eligible and how you operate your account. You must be covered by a high deductible health plan (HDHP) that is HSA-compatible and not enrolled in Medicare, in addition to other requirements. Unlike Flexible Spending Accounts, your HSA has no "use it or lose it" requirement and also stays with you if you change jobs or retire.

Features

Competitive Dividend Rate
Free Debit card and Bill Pay access
Free and unlimited ATM transactions at thousands of Stand Bank Onlineand CO-OP Network ATMs
Free and unlimited check writing
Four (4) free ATM withdrawals at non-Stand Bank OnlineATMs per month¹³⁸
Automatic transfers & Direct Deposit
Overdraft Transfer Protection⁰⁰²

Product Details Apply

HSA "Add-On" Certificate

This account is available to Health Savings Account (HSA) holders. With an HSA certificate, you have the option to choose either a 12 or 24 month term and can make contributions up to your HSA plan limits. This high rate certificate also has an add-on feature which gives you the ability to make deposits at any time.¹³⁵ Tiered rates are available on this certificate giving you the ability to earn higher rates based on the current balance of your certificate.

Features

Guaranteed high rates for the term of the certificate
Choice of maturity date
Federally insured to $250,000 by NCUA
Dividends may be transferred to Checking or Savings or withdrawn without penalty at maturity

Product Details Apply

HSA Rates

HSA Checking

Features

HSA "Add-On" Certificate

Features

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