Great rates. No fees. Easy Access.

Make your employees' health care dollars go further with an LMCU Health Savings Account. With today’s profusion of high-deductible health plans, Health Savings Accounts (HSAs) have become a fact of life for many businesses and their employees. But most banks fail to provide any real value, offering little or no interest on these accounts, and often charging maintenance fees that eat into employees' hard earned money. We do things differently, with a better way to manage employee health care costs.

Looking for a personal Health Savings Account instead?

Don't worry, we have you covered there too.

Learn More


  • One of the highest tiered interest rate yields in the country - up to 1% APY*
  • Free to establish, plus no monthly, maintenance or transaction fees
  • No minimum balance requirement
  • Free Visa debit card - unlimited check writing, electronic transactions
  • Free 24 hour phone, online & mobile banking access to funds
  • Assistance by live chat, phone or in-person
  • Members are able to invest a portion of the HSA account balance into 20 mutual funds covering a variety of asset classes and recognized fund families.

Our Great Rates

Account Dividend Rate (Interest) APY*
Health Savings Account - $0 - $4,999.99
Health Savings Account - $5,000+

Rates as of 06/17/21. *APY = Annual Percentage Yield. Fees may reduce earnings. Rates are subject to change. $5 minimum to open a membership.

Partner with LMCU

Rated the #1 financial institution in Michigan by Money magazine, LMCU collaborates with businesses to deliver superior banking products of great value to employees.

†Money Magazine, November 2017. Rated #1 out of all banks and credit unions in Michigan.

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