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Health Savings Accounts (HSAs) are tax-friendly savings accounts that allow you to build a fund for future medical expenses that insurance may not cover. The best part is the account is all yours and any unused funds may be used to supplement your retirement savings. HSA contributions are made with pre-tax money, which means all contributions are tax-deductible.* Any interest earned on your account is tax-free. Contributions may be made by you, your employer, or members of your family. HSAs have a flexible contribution schedule allowing for lump sum contribution or periodic payments at any time and funds may be rolled over each year.
Anyone who is covered by a qualified High Deductible Health Plan (HDHP) and not another health insurance carrier or Medicare may be eligible to open an HSA.
You may use your HSA immediately or keep it for the future. Generally, access is allowed by debit card, check, or withdrawal request. For more information, including a complete list of IRS-allowable qualified medical expenses, please visit the “Forms and Publications” page on the IRS website at www.irs.gov; or call 1-800-829-3676 and request a copy of IRS Publication 502. Exceptions may apply for some insurance premiums that cannot be paid for by HSA funds even though they are listed in the IRS Publication 502. Over-the-counter medications are not listed, but are included under allowable qualified medical expenses for HSAs.
The great news is it is easy to apply! Just stop by one of our branches and speak to one of our HSA Specialists. No need to bring in any special forms. We will walk you through the process.
*See your tax adviser for specific details.
Features & Benefits
Tax Savings
Enjoy lower premiums and tax advantages on contributions, growth, and qualified withdrawals.
No Minimum Balance
Start saving right away—there’s no required balance to maintain your account.
Flexible Spending
Use HSA funds to pay deductibles or out-of-pocket medical expenses at your convenience.
Portable & Inheritable
Your HSA stays with you through job changes or retirement, and a spouse can inherit it tax-free.
Rates
The entire team is great and very accommodating. I’ve never had an interaction with a teller that left me feeling uncomfortable or not valued. They really are a great team.Gabriel J.
My family has been using this credit union for 3 generations now. Great customer service and just really really helpful staff. Working with them is always a pleasure. They truly want the best for their members. Thank you Maine Family!Emily F.
My experience with getting a loan was super easy, Danielle made the process smooth and was extremely professional and responsive to correspondence. I enjoyed the experience so much I sent my girlfriend to Maine Family recently to get an auto loan through Danielle as well. She's a great employee!Michael L.
I have nothing but high praise for the staff at the Auburn branch of MFFCU. For over 17 years I have been a loyal member. Any time I (or my son) have needed assistance from the loan department both you and Sue M. have been extremely helpful and friendly. I look forward to many more years as a member.Thomas F.
I cannot say enough great things about the staff!!!! Always so helpful, knowable, upbeat and friendly. Kudos to all of you. I appreciate you!!!Joyce S.
We are longtime members with the credit union. We've always had a great experience with the lending department and all other staff members. They are a great group of people. Very friendly! We will always bank and do our business there.Donald G.
I've been with Maine Family for a long time, you guys are always there for me and have been a great support while trying to build my credit. You treat me fairly and make me feel comfortable in sharing my story.Edward F.
My husband and I have been using Maine Family FCU for over 20 years. We have trusted them with all our banking needs in the course of those years and have been very pleased with the customer service we have received. Over the past several months, we have reached out to different departments and have been given such amazing customer service. Their service has been so remarkable that we have now started our family’s next generation with all of their banking needs with Maine Family FCU with our continued trust in them!Kacey
Maine Family Federal Credit Union has been an outstanding financial partner. Their rates are some of the best around, whether you’re looking for a loan, savings account, or mortgage. The staff is always friendly, knowledgeable, and genuinely helpful—they take the time to explain your options and make sure you’re getting the best fit for your needs. It’s refreshing to work with a team that truly cares about their members. Highly recommend!Chris H.
Anytime I have questions about my loan, the lending team is there to help me, this is the only bank account I have and I don't see myself leaving anytime soon.Tyler G.
