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Tax Deferred Health Savings Accounts
Helping you prepare for the unexpected.

Health Savings Account (HSA)

Saving for a healthier future.

CODE’s Health Savings Accounts (HSAs) are a convenient way to save for future or current medical expenses. Available for those with High Deductible Health Plans (HDHP), HSAs are an extra safety net into which you and your employer can make contributions. Contributions deducted from your payroll are pre-taxed. Dividends earned are tax-free. Funds can be used for many types of medical expenses including, but not limited to, doctor’s visits, prescriptions, eye glasses and/or hearing aids.*

Easy access to your account

  • CODE Visa Debit Card
  • CODE HSA Checks are available
  • 24/7 ATM access
  • Access24 – 24/7 online internet banking
  • PAT – Personal Audio Teller – available 24/7
  • Mobile banking – Access your account through CODE’s mobile banking. Learn More

Added Features of your CODE HSA

  • Earn dividends on balances of $500 or more
  • Dividends are compounded monthly
  • No monthly or annual service fee.
  • Contributions to your 2020 HSA may be made until April 15, 2021.

Please use the following chart for maximum contributions for the years of 2020 and 2021.

Contribution Limits

Catch up Contribution*

*Age 55 and older are allowed to contribute an additional $1,000.

Health Savings Account (HSA) Certificate of Deposit

For those who would like to earn a little more interest on funds over $1,000. Features include:

  • Minimum balance of $1,000
  • 12 month term
  • Penalty for early withdrawal

More information

If you are a City of Dayton employee opening a new H S A for 2021, you can utilize the “OPEN NOW” link above or download the Account Agreement and Debit Card Order Form and bring them into any CODE Credit Union location.

Health Savings Account Agreement and Disclosure

Health Savings Account Debit Card Order Form

If you would like more information about CODE Credit Union Health Savings Accounts please call 937-222-8971 or email us at codecu@codecu.org

Frequently Asked Questions and Answers

Other helpful links:


*Consult your tax advisor.