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Savings

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Individual Retirement Accounts (IRAs)

It’s never too early to think about retirement, and IRAs are a super smart savings vehicle that can help ensure your future financial security while also allowing you to take advantage of certain tax benefits.  

With Heritage Family offering both Traditional and Roth options, you can create either a special IRA Savings Account where contributions can be directly deposited from your paycheck, or you can open IRA Certificates to add to your retirement fund over time according to the terms and conditions. 
 
Always be sure to check with your tax preparer regarding tax implications and for additional guidance. 

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Health Savings Accounts

HSAs are a healthy savings solution if you have a qualified high-deductible health plan and want to set aside pre-tax dollars to cover eligible medical expenses. HSAs must be opened by a primary account holder who is at least 18 years old.  

Other HSA Benefits: 

  • HSA funds can be used to pay your deductible and/or other out-of-pocket medical expenses. 
  • HSA debit cards are a convenient way to pay at doctors’ offices, pharmacies, and hospitals. 
  • HSA funds can be used to cover a family's qualified medical expenses. 2  
  • Both the account holder and employer can make contributions. 3  
  • Spouses can inherit HSA accounts without any tax consequences. 
  • HSA accounts can be kept after leaving a job, changing plans, or retirement. 

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Disclosures

1 Member must maintain a minimum balance of $1,000 in MMSA each day to obtain the disclosed Annual Percentage Yield (APY). If the balance falls below $1,000, the account will not earn dividends that day.

2 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. For more detailed information on Health Savings Accounts, you can also view IRS Publication 969 “Health Savings Accounts and Other Tax-Favored Health Plans." 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. Please consult your tax advisor regarding the deductibility of expenses.

3 Annual contribution limits apply.