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Membership Savings Account is required to establish membership.
Monthly $3 fee; waived with other active non-savings products, regardless of the balance, OR if a $300 balance is maintained in Membership Savings account.2
You could get your paycheck up to two days sooner with Early Pay4
Free Online and Mobile Banking
Interest compounded monthly
View fee schedule for withdrawal limitations
2025 contribution limits: Total contributions to all your Traditional and Roth IRAs cannot exceed $7,000 (or $8,000 at age 50 or older)
2026 contribution limits: Total contributions to all your Traditional and Roth IRAs cannot exceed $7,500 (or $8,600 at age 50 or older)
Roth IRAWith an HSA, you can prepare for medical costs and grow your savings at the same time. This account can supplement your high-deductible health plan, so you can stress less about medical expenses. And just focus on being your best you.
To open an HSA, give us a call at 888.267.7200, visit any Lake Trust relationship center location, or fill out the HSA contact form and we’ll reach out to you.
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Membership Savings Account is required to establish membership and open HSA.
The balance in an HSA rolls over each year. If you don’t use all of the money in your HSA within the year, you won’t lose it.
Contributions are made with pre-tax dollars, which could lower your taxable income.3
The account is yours to use and keep, even when you change jobs, retire, or switch insurance plans
Contributions can be used to pay for qualified medical expenses3, including dental, vision, and prescriptions, that are not covered by your health plan
Interest earned on the account is tax-free.
You’ll receive a Lake Trust HSA debit card to pay for expenses
Account can also be used for retirement savings
2025 HSA contribution limits: $4,300 (self only) or $8,550 (family) with $1,000 in catch up contributions allowed for plan owners age 55 or older
2026 HSA contribution limits: $4,400 (self only) or $8,750 (family) with $1,000 in catch up contributions allowed for plan owners age 55 or older
View HSA debit card disclosures
for details on using your card
Learn more about HSAs in our Financial Wellbeing Library
With an HSA Money Market, you can prepare for future medical costs. Earn a higher rate on your balances to focus on savings for the future.
To open an HSA Money Market, give us a call at 888.267.7200, visit any Lake Trust relationship center location, or fill out the HSA contact form and we’ll reach out to you.
MORE DETAILS
Membership Savings Account is required to establish membership and open HSA Money Market.
The balance in an HSA rolls over each year. If you don’t use all of the money in your HSA within the year, you won’t lose it.
Contributions are made with pre-tax dollars, which could lower your taxable income.3
The account is yours to use and keep, even when you change jobs, retire, or switch insurance plans
Contributions can be used to pay for qualified medical expenses3, including dental, vision, and prescriptions, that are not covered by your health plan
Interest earned on the account is tax-free.
No minimum balance fees
Debit card not available
Account can also be used for retirement savings
2025 HSA contribution limits: $4,300 (self only) or $8,550 (family) with $1,000 in catch up contributions allowed for plan owners age 55 or older
2026 HSA contribution limits: $4,400 (self only) or $8,750 (family) with $1,000 in catch up contributions allowed for plan owners age 55 or older
Learn more about HSAs in our Financial Wellbeing Library
1 APY = Annual Percentage Yield. Rates as of October 21, 2025 and are subject to change.
2 The qualifying non-savings Deposit Accounts include all Checking, Certificate of Deposit, Loan or Credit Card.
3 Qualified HSA contributions are tax deductible, and qualified distributions are tax free. Refer to IRS Publication 502 for a list of tax-free (qualified) medical distributions. Not intended to be tax advice; please consult with your tax advisor.
4 Early Pay is available for eligible ACH direct deposits on established membership. Early access to funds depends on receipt of payment information and is not guaranteed. Terms and conditions may apply.
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