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Health Savings Account (HSA)

HSAs (Health Savings Accounts)

A tax-free way to save for medical costs

Taking care of your health is essential for living a full and happy life. However, unexpected medical costs and ongoing healthcare needs can strain your finances. A CHROME FCU Health Savings Account (HSA) allows you to worry less about medical bills and focus more on your well-being.

An HSA is a tax-advantaged* savings account available for those covered by a high deductible health plan (HDHP). An account where you set aside money for current or future medical costs. You use it to pay for healthcare expenses until you meet your insurance deductible. Any unused funds roll over year after year and accumulate to cover future health-related needs.

*Please consult a tax advisor for more information. Any withdrawals used for non-qualified medical expenses before or after age 65 will incur tax.

CHROME FCU HSA Benefits at a Glance

  • Triple Tax Savings: Contributions, growth, and qualified withdrawals are tax-free.
  • Earn Dividends: Watch your account balance steadily increase over time.
  • Flexibility: HSAs cover a wide range of eligible medical expenses including vision, dental, and more.
  • Long-Term Savings: Unused funds roll over and grow year after year.

HSA Savings Calculator


Health Savings Account Details

Take control of your healthcare spending and save for the future. An HSA provides excellent tax breaks and lets you spend money on various approved medical costs.


  • No minimum balance.
  • No monthly fee.
  • Free HSA debit card.
  • Free Bill Pay allows you to pay medical bills easily and quickly using our Mobile Banking app.
  • Use our Digital Banking tools to monitor transactions, view balances, receive alerts, make transfers, and more!

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  • Must be covered by a high deductible health plan (HDHP)**

**Individuals covered by Tricare, Medicare or currently enrolled in an FSA; individuals who are claimed as dependents or those who have received or accessed VA medical benefits in the last 90 days are not eligible for HSA.

Call 724.228.2030 to speak to a CHROME Care team member or visit a branch to get started!

It’s Easy to Open a CHROME FCU HSA

  • Start the process: Call us at 724.228.2030 or fill out the inquiry form below to get started.
  • Provide your information: Complete the application with a CHROME team member who specializes in HSA Account opening.
  • Start contributing: You can set up regularly recurring transfers to automatically build your health savings over time.

HSA Inquiry Form

Interested in learning more about opening an HSA account? Fill out the inquiry form below and a CHROME team member will be in contact with you.



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- Shannon E., Wexford, PA

Health Savings Account FAQs

Yes! HSAs cover a wide range of qualified healthcare expenses defined by the IRS. This includes doctor visits, prescriptions, dental and vision care, and more. Find a complete list on the IRS website.
The IRS sets annual contribution limits, which change periodically. For income tax year 2024, individuals can contribute up to $4,150 and $8,300 per family.
You qualify if enrolled in a high-deductible health plan (HDHP) and are not covered by any other disqualifying health insurance. For example, you cannot be enrolled in Medicare, Tricare, or medical FSA. Check the eligibility requirements on the IRS website.
Yes! CHROME offers convenient online banking and a mobile app to help you manage your HSA funds.
While some employers choose to contribute through employer-sponsored HSAs, it's not required. You can open and fund your own HSA even if your employer doesn't offer this benefit.

Healthcare Savings Made Easy

Open a CHROME FCU HSA today for smart healthcare savings. Enjoy tax benefits and peace of mind knowing you're prepared for medical expenses. It's a wise financial move for your health and your future.

Visit a branch or call the number below to get started!


*Please consult a tax advisor for more information. Any withdrawals used for non-qualified medical expenses before or after age 65 will incur tax.