Health Savings Accounts


At Land of Lincoln Credit Union in Decatur, Illinois, our Health Savings Accounts (HSAs) are designed to empower individuals to save for future qualified medical and retiree health expenses on a tax-free basis. Contributions to your HSA are tax-deductible, and earnings grow tax-deferred. When used for qualifying medical expenses, distributions are tax-free. Unused balances carry over each year, providing ongoing financial flexibility. You control how and when to spend your HSA funds within government guidelines, covering medical expenses such as dental, vision, prescriptions, and over-the-counter drugs. With free checks and a debit card, managing your healthcare expenses has never been easier. Visit us today to learn more about HSAs or explore additional information on the U.S. Treasury Department website.

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