Health Savings Account (HSA)

Save for health care expenses with tax benefits and the ease of a debit card and bill pay.

Maximize Your Health Savings with a Kalsee HSA

If you have a high-deductible insurance plan and are not enrolled in Medicare, you may be able to set aside pretax dollars to pay for upcoming medical expenses with a Kalsee HSA. 
 
 

Use Your HSA to Pay:



phone icon illustration

Call (269) 382-7800
financial institution building icon illustration



























Advantages of an HSA:

  • You may not pay income tax on money set aside by your employer or on dividends earned
  • The money in your HSA is yours, even if you change jobs
  • Any unused money in your HSA rolls over at the end of the year
 

Easily Access Your HSA via:

  • Debit card
  • Online bill pay
  • Branch member service representative






HSA Rates

Smart, tax-advantaged health savings!
 
APY1
Dividend Rate
 Minimum balance to earn APY1
0.50%
 0.50% $50


2025 Contribution Limits
Single  Family  55+
$4,300
 $8,550
 An additional $1,000 catch-up contribution is allowed


What’s a High Deductible Health Plan (HDHP)?


 Single Family
Minimum Deductible $1,650 $3,300
Maximum Out-of-Pocket $8,300 $16,600










































3
Financial Wellness Blog

The Empowerment Edit

Saving

Personality Quiz - What's Your Saving Style?

From family chats to financial blogs, your go-to sources for money advice reflect yo...
Saving

Guaranteed Deposits

Looking for a low-risk way to grow your savings? Certificates of Deposit (CDs) offer...
Saving
understanding inflation header image

Understanding Inflation

Inflation quietly eats away at your savings—but you can fight back. This guide shows...


1 APY = Annual Percentage Yield. Rates are subject to change. Fees may reduce earnings. Consult a tax advisor regarding the tax benefits of your HSA. Rates effective .