Health Savings Account (HSA)

Manage your health care spending.

Get peace of mind with a free Health Savings Account.

With the cost of medical expenses rising, a free Health Savings Account (HSA) from Hughes can help you take control of your health care costs.

Eligible members can contribute to our HSA to save, tax-deferred**, for current and future qualified medical expenses.

Since you own and control the money in your HSA, you decide which expenses to pay. If you happen to change jobs, your HSA will go with you! Even better, you can contribute at any time during the year, and your balance rolls over from year to year.

To open a Health Savings Account, visit a Hughes branch near you or call us at 520-794-8341.

Features & Benefits

  • No minimum balance
  • No monthly fee
  • Free Bill Pay
  • Online, Mobile & Text Banking


  • 0.50% APY*
    Health Savings Account (HSA)
Effective Date: 01-01-2020

*APY = Annual Percentage Yield. Health Savings Accounts are compounded daily and credited monthly. No minimum balance is required to open an account and earn the posted APY. Please reference Share Accounts Information and Disclosure and/or contact a Credit Union employee for additional information. Rates and terms are subject to change at any time.

**Please consult your tax advisor.

Why Health Savings Account (HSA) ?

Get peace of mind.

No Prepayment Penalties Icon


No withdrawal fees. No service charges. No fee Visa debit card.

Save more

Competitive rates with interest that compounds daily.



Minimum Balance

Enjoy no minimum balance.


Health Savings Account (HSA) Frequently Asked Questions

The easiest ways are to use your debit card or write a check, but you can also call our Contact Center or visit a branch to sign the required HSA Withdrawal form. 

We do not have an online application at this time. If you are not a member, access our New Membership application to Get Started with Hughes. If you are already a member, please visit a branch or call our Contact Center at 520-794-8341 to speak to a Member Services Representative. 

The easiest way is through a direct deposit using our routing number 322174944 and your member number plus ‘06’ at the end (Example: 11111106). You can also visit a branch or call our Contact Center at 520-794-8341 to sign the required HSA Contribution form.

Yes! We issue you a Visa debit card.

Yes! You can authorize other dependents on your plan to be issued a Visa debit card.