Health Savings Account
Help With Those Occasional Visits
An HSA can't keep the doctor away — but it sure does help with those occasional visits. Set aside money for qualified healthcare expenses with real tax advantages.*
Hsa
|
DECISION BASICS |
|
| Eligible | With High-deductible health plan |
| Tax Advantages | Triple tax-advantaged* |
| Funds Expire | Never — rolls over yearly |
| Minimum to Open | $100 |
Greater Control Over Your Healthcare
The Triple Tax Advantage*
1
Tax Deductions on Contributions
Get tax deductions when you contribute to your account — contributions can come from you, your employer, or a third party.**
2
Tax-Free Earnings
Your balance earns tax-free through investment, so your healthcare savings compound without a tax bite.
3
Tax-Free Withdrawals
Withdrawals are tax-free for qualified medical, dental, vision expenses, and more.*
How It Works
How an HSA Works With Your Health Plan
1
Enroll in an HDHP
An HSA requires enrollment in a qualifying High-Deductible Health Plan. Check with your employer or insurance provider.
2
Open & Fund Your HSA
Open your BRB HSA with a $100 minimum. Contribute tax-free — you, your employer, or a third party can all add funds.**
3
Pay Medical Expenses
Use your Visa® debit card or reimburse yourself for qualified medical expenses. Withdraw funds at any time.†
Benefits You'll Love
Your Healthcare Safety Net — For Life
Triple Tax Savings*
Tax deductions when you contribute, tax-free earnings, and tax-free withdrawals for qualified medical, dental, vision expenses, and more.
Funds Roll Over — Forever
Unused funds remain in your account year after year. There is no 'use it or lose it' policy like a Flexible Spending Account.
Visa® Debit Card Included
A Visa® debit card is available at no additional cost, so you can pay for qualified expenses right when they come up.
FDIC Insured
Your HSA is federally insured by the FDIC up to $250,000. Your healthcare savings stay safe while they earn competitive interest.
Greater Control Over Your Healthcare
The Triple Tax Advantage*
1
Tax Deductions on Contributions
Get tax deductions when you contribute to your account — contributions can come from you, your employer, or a third party.**
2
Tax-Free Earnings
Your balance earns tax-free through investment, so your healthcare savings compound without a tax bite.
3
Tax-Free Withdrawals
Withdrawals are tax-free for qualified medical, dental, vision expenses, and more.*
How It Works
How an HSA Works With Your Health Plan
1
Enroll in an HDHP
An HSA requires enrollment in a qualifying High-Deductible Health Plan. Check with your employer or insurance provider.
2
Open & Fund Your HSA
Open your BRB HSA with a $100 minimum. Contribute tax-free — you, your employer, or a third party can all add funds.**
3
Pay Medical Expenses
Use your Visa® debit card or reimburse yourself for qualified medical expenses. Withdraw funds at any time.†
Who Qualifies
HSA Eligibility
You're eligible for a regular HSA contribution if, in any month, you meet all of the following:
Current Rates
{{ health-savings-rate }}
Savings Goal Calculator
Plan Your HSA Savings Goal
A savings plan can help you reach your goal. Enter your target to see how much to save each month.
{{ savings-goal-calc }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS A HEALTH SAVINGS ACCOUNT?
An HSA gives you greater personal control over healthcare management and expenses. It's a tax-advantaged account for people enrolled in a High-Deductible Health Plan (HDHP), letting you prepare for qualified medical expenses while earning competitive interest on your entire balance.*
WHO IS ELIGIBLE FOR AN HSA?
You're eligible if, in any month, you are covered under an HDHP on the first day of the month, are not covered by another non-HDHP plan (with certain exceptions), are not enrolled in Medicare, and cannot be claimed as a dependent on another person's tax return.
HOW DOES THE TRIPLE TAX ADVANTAGE WORK?
An HSA provides tax deductions when you contribute, tax-free earnings through investment, and tax-free withdrawals for qualified medical, dental, and vision expenses and more. Consult a tax advisor for your situation.*
WHO CAN CONTRIBUTE TO MY HSA?
Contributions are tax-free and can be made by you, your employer, or a third party.** Consult a tax advisor for details.
CAN I WITHDRAW FUNDS AT ANY TIME?
Yes. You can withdraw funds at any time for any purpose. However, if funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn is included as taxable income and is subject to a 10% penalty.***
WHAT IS THE MINIMUM DEPOSIT TO OPEN AN HSA?
A $100 minimum deposit is required to open and to obtain the APY. Paper statements are available; a fee may apply. Visit a BRB branch to open — HSAs cannot be opened online.
IS A BLUE RIDGE BANK HSA FDIC INSURED?
Yes. Your HSA is federally insured by the FDIC up to $250,000 per depositor, per ownership category.
{endAccordions}
Current Rates
{{ health-savings-rate }}
Savings Goal Calculator
Plan Your HSA Savings Goal
A savings plan can help you reach your goal. Enter your target to see how much to save each month.
{{ savings-goal-calc }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS A HEALTH SAVINGS ACCOUNT?
An HSA gives you greater personal control over healthcare management and expenses. It's a tax-advantaged account for people enrolled in a High-Deductible Health Plan (HDHP), letting you prepare for qualified medical expenses while earning competitive interest on your entire balance.*
WHO IS ELIGIBLE FOR AN HSA?
You're eligible if, in any month, you are covered under an HDHP on the first day of the month, are not covered by another non-HDHP plan (with certain exceptions), are not enrolled in Medicare, and cannot be claimed as a dependent on another person's tax return.
HOW DOES THE TRIPLE TAX ADVANTAGE WORK?
An HSA provides tax deductions when you contribute, tax-free earnings through investment, and tax-free withdrawals for qualified medical, dental, and vision expenses and more. Consult a tax advisor for your situation.*
WHO CAN CONTRIBUTE TO MY HSA?
Contributions are tax-free and can be made by you, your employer, or a third party.** Consult a tax advisor for details.
CAN I WITHDRAW FUNDS AT ANY TIME?
Yes. You can withdraw funds at any time for any purpose. However, if funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn is included as taxable income and is subject to a 10% penalty.***
WHAT IS THE MINIMUM DEPOSIT TO OPEN AN HSA?
A $100 minimum deposit is required to open and to obtain the APY. Paper statements are available; a fee may apply. Visit a BRB branch to open — HSAs cannot be opened online.
IS A BLUE RIDGE BANK HSA FDIC INSURED?
Yes. Your HSA is federally insured by the FDIC up to $250,000 per depositor, per ownership category.
{endAccordions}
How an HSA Helps
Triple tax advantages, year after year
Pay for Care Tax-Free
Use your HSA for qualified medical, dental, and vision costs — contributions, growth, and withdrawals are all tax-advantaged.*
Carry It Forward Every Year
Unlike an FSA, your balance never expires. Unused funds remain in your account year after year — no 'use it or lose it.'
Keep It for Life
Your HSA stays in your name regardless of career or life changes, so you're prepared for healthcare expenses down the road.
Current Rates
{{ health-savings-rate }}
Savings Goal Calculator
Plan Your HSA Savings Goal
A savings plan can help you reach your goal. Enter your target to see how much to save each month.
{{ savings-goal-calc }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS A HEALTH SAVINGS ACCOUNT?
An HSA gives you greater personal control over healthcare management and expenses. It's a tax-advantaged account for people enrolled in a High-Deductible Health Plan (HDHP), letting you prepare for qualified medical expenses while earning competitive interest on your entire balance.*
WHO IS ELIGIBLE FOR AN HSA?
You're eligible if, in any month, you are covered under an HDHP on the first day of the month, are not covered by another non-HDHP plan (with certain exceptions), are not enrolled in Medicare, and cannot be claimed as a dependent on another person's tax return.
HOW DOES THE TRIPLE TAX ADVANTAGE WORK?
An HSA provides tax deductions when you contribute, tax-free earnings through investment, and tax-free withdrawals for qualified medical, dental, and vision expenses and more. Consult a tax advisor for your situation.*
WHO CAN CONTRIBUTE TO MY HSA?
Contributions are tax-free and can be made by you, your employer, or a third party.** Consult a tax advisor for details.
CAN I WITHDRAW FUNDS AT ANY TIME?
Yes. You can withdraw funds at any time for any purpose. However, if funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn is included as taxable income and is subject to a 10% penalty.***
WHAT IS THE MINIMUM DEPOSIT TO OPEN AN HSA?
A $100 minimum deposit is required to open and to obtain the APY. Paper statements are available; a fee may apply. Visit a BRB branch to open — HSAs cannot be opened online.
IS A BLUE RIDGE BANK HSA FDIC INSURED?
Yes. Your HSA is federally insured by the FDIC up to $250,000 per depositor, per ownership category.
{endAccordions}
Current Rates
{{ health-savings-rate }}
Savings Goal Calculator
Plan Your HSA Savings Goal
A savings plan can help you reach your goal. Enter your target to see how much to save each month.
{{ savings-goal-calc }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS A HEALTH SAVINGS ACCOUNT?
An HSA gives you greater personal control over healthcare management and expenses. It's a tax-advantaged account for people enrolled in a High-Deductible Health Plan (HDHP), letting you prepare for qualified medical expenses while earning competitive interest on your entire balance.*
WHO IS ELIGIBLE FOR AN HSA?
You're eligible if, in any month, you are covered under an HDHP on the first day of the month, are not covered by another non-HDHP plan (with certain exceptions), are not enrolled in Medicare, and cannot be claimed as a dependent on another person's tax return.
HOW DOES THE TRIPLE TAX ADVANTAGE WORK?
An HSA provides tax deductions when you contribute, tax-free earnings through investment, and tax-free withdrawals for qualified medical, dental, and vision expenses and more. Consult a tax advisor for your situation.*
WHO CAN CONTRIBUTE TO MY HSA?
Contributions are tax-free and can be made by you, your employer, or a third party.** Consult a tax advisor for details.
CAN I WITHDRAW FUNDS AT ANY TIME?
Yes. You can withdraw funds at any time for any purpose. However, if funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn is included as taxable income and is subject to a 10% penalty.***
WHAT IS THE MINIMUM DEPOSIT TO OPEN AN HSA?
A $100 minimum deposit is required to open and to obtain the APY. Paper statements are available; a fee may apply. Visit a BRB branch to open — HSAs cannot be opened online.
IS A BLUE RIDGE BANK HSA FDIC INSURED?
Yes. Your HSA is federally insured by the FDIC up to $250,000 per depositor, per ownership category.
{endAccordions}
*Consult a tax advisor.
**When used for qualified medical expenses. Consult a tax advisor. Qualified expenses include most medical care and services, dental and vision care, weight loss programs, some over-the-counter medications, mileage, and more.
†You can withdraw funds at any time for any purpose. However, if funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn will be included as taxable income and is subject to a 10% penalty.
‡Annual Percentage Yield (APY) accurate and effective as of 4/1/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Kasasa Cash CalculatorDisclaimer
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
CD CalculatorDisclaimer
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
Simple Loan CalculatorDisclaimer
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Business Certificates of Deposit Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Business Money Market Rates
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.50% | 1.53% |
| $100,000 – $249,999.99 | 2.00% | 2.03% |
| $250,000 – $499,999.99 | 2.20% | 2.23% |
| $500,000 – $999,999.99 | 2.55% | 2.58% |
| $1,000,000 – $2,999,999.99 | 2.74% | 2.78% |
| $3,000,000 – $4,999,999.99 | 2.94% | 2.98% |
| $5,000,000 and Greater | 3.18% | 3.23% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business Savings Rates
| Balance | Rate | APY* |
|---|---|---|
| $500.00 | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business with Interest Rates
| Balance | Rate | APY* |
|---|---|---|
| $3,000.00 | 0.10% | 0.10% |
*APY accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Certificate of Deposit Specials Rates
| Term | Rate | APY* | Min. Balance |
|---|---|---|---|
| 5 Months | 3.71% | 3.75% | $1,000 |
| 10 Months | 3.94% | 4.00% | $1,000 |
| 15 Months | 3.94% | 4.00% | $1,000 |
| 23 Months | 3.99% | 4.05% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Limited-time offer. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Charitable Checking Rates
| Product | Interest Rate | APY* |
|---|---|---|
| Charitable Account | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Consumer Certificates of Deposit Rates
| Term | Interest Rate | APY** | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 17 Months | 1.89% | 1.90% | $1,000 |
| 18 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
**Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
First Honor Checking Rates
| Product | Rate | APY* |
|---|---|---|
| First Honor Checking | 1.50% | 1.51% |
*Annual Percentage Yield (APY) for First Honor Checking is 1.51%. APY accurate and effective as of 10/15/26. Rates may change after account is opened. Fees may reduce earnings. Minimum balance to open account is $50.00. A $10 service fee applies if the account balance falls below the minimum balance requirement of $1,000.
Golden Advantage Certificate of Deposit & Specials Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 12 Months | 3.99% | 4.05% | $1,000 |
| 30 Months | 4.04% | 4.10% | $1,000 |
| 36 Months | 1.39% | 1.40% | $1,000 |
| 48 Months | 1.44% | 1.45% | $1,000 |
| 60 Months | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Golden Advantage members (age 55+) receive a rate bonus over standard CD specials. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Golden Advantage Money Market
| Balance | Rate | APY* |
|---|---|---|
| $2,500.00 and Greater | 2.83% | 2.88% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026 This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Golden Advantage Plus Checking Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.03% | 0.03% |
| $2,500.00 – $24,999.99 | 0.05% | 0.05% |
| $25,000.00 – $49,999.99 | 0.05% | 0.05% |
| $50,000.00 and Greater | 0.08% | 0.08% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Health Savings Rates
| Product | Rate | APY‡ |
|---|---|---|
| Health Savings Account | 0.15% | 0.15% |
‡Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Kasasa Cash® Rates
| Balance | Min. Deposit to Open | Rate | APY* |
|---|---|---|---|
| $0.01 – $15,000.99 | $100 | 4.41% | 4.50% |
| $15,001.00 and Greater | n/a | 0.05% | 0.05% |
| All balances if qualifications not met | n/a | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: domestic ATM fees are reimbursed up to $20; balances up to $15,000.99 receive 4.50% APY; balances over $15,001.00 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle. Fees may reduce earnings.
Kasasa Saver® Rates
| Balance | Min. Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $0.01 – $100,000.99 | $100.00 | 2.96% | 3.00% |
| $100,001 and Greater | $100.00 | 0.05% | 0.05% |
| All balances if qualifications not met | $100.00 | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If Kasasa Cash qualifications are met each monthly cycle, Kasasa Saver balances up to $100,000.99 receive 3.00% APY; balances over $100,001 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Fees may reduce earnings.
Money Market Tiered Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.25% | 0.25% |
| $2,500 – $9,999.99 | 0.50% | 0.50% |
| $10,000 – $24,999.99 | 0.75% | 0.75% |
| $25,000.00 – $49,999.99 | 1.00% | 1.00% |
| $50,000.00 – $99,999.99 | 1.25% | 1.25% |
| $100,000.00 – $249,999.99 | 2.395% | 2.43% |
| $250,000.00 – $999,999.99 | 2.49% | 2.53% |
| $1,000,000 and Greater | 2.49% | 2.53% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Municipal Money Market
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.36% | 1.38% |
| $100,000.00 – $249,999.99 | 1.85% | 1.88% |
| $250,000.00 – $499,999.99 | 2.05% | 2.08% |
| $500,000.00 – $999,999.99 | 2.40% | 2.43% |
| $1,000,000.00 – $2,999,999.99 | 2.59% | 2.63% |
| $3,000,000.00 – $4,999,999.99 | 2.78% | 2.83% |
| $5,000,000.00 and Greater | 3.03% | 3.08% |
**Municipal Money Market: Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Personal Savings Rates
| Product | Rate | APY* |
|---|---|---|
| Personal Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Youth Savings Rates
| Product | Rate | APY** |
|---|---|---|
| Youth Savings | 0.10% | 0.10% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $10. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.