Medical Savings

Save for Future Medical Expenses. Get a Tax Break Now.

A Medical Savings Account (MSA) is a share account intended to encourage savings for future medical expenses. Deposits to your MSA that are within the maximum contribution limit are tax-deductible for Idaho state income tax purposes.

An MSA works a lot like a regular share account: you set aside money toward medical expenses and you make withdrawals for eligible medical expenses, such as your monthly health insurance premium. There are a number of eligible, out-of-pocket expenses for which you can use your MSA savings.

For more information about the Medical Savings account, including eligible expenses and tax benefits, please visit us at any ISU Credit Union branch or give us a call. We'd love to talk with you!

Features & Benefits

  • Free Online Banking, Bill Pay, and eStatements
  • Seven convenient branch locations and access to over 5,000 additional branches through the Shared Branching Network
  • Anytime phone access through PAT, our automated phone system
  • FREE Notary Public Service
  • Federally insured up to at least $250,000


Savings Rates

  •  Rates effective 12-14-2017
Minimum Balance Compounded / Paid Annual Percentage Yield (APY)1 Alert Me
Daily Share $25+ Monthly .05%
Bengal Share $25+ Monthly .05%
Medical Savings $25+ Monthly .05%
Christmas Club $25+ Monthly .05%
IRA/Coverdell Savings $25+ Monthly 0.15%
Share rates effective 7/01/2017 Money Market Rates effective 7/01/2017.
The dividend rate and annual percentage yield may change at any time, as determined by the ISU Credit Union Board of Directors. A list of terms and conditions which apply to the above accounts is available at the Credit Union. Fees could reduce the earnings on the accounts. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate.
  • 1APY = Annual Percentage Yield


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