Health Savings Account (HSA)

Be prepared for anything. An HSA can help ensure you have the money you need to pay for medical expenses as they arise.

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Member Benefits

Tax Savings

You can get tax deductions when you contribute to your HSA account and receive tax-free withdrawals for qualified medical, dental, vision, and other expenses2.

No Maintenance Fees

Save for qualified medical expenses with no monthly maintenance fees and no minimum balance requirements.

Enjoy the Benefits

More Features

Greater personal control over healthcare management and expenses

Prepare for qualified medical expenses

Includes free HSA debit card

Tax savings on tax deductions when you contribute to your account

Tax-free withdrawals for qualified medical, dental, vision expenses, and more2

Contributions are tax-free and can be made by you, your employer, or a third party

Funds can be withdrawn at any time3

No monthly maintenance fee

No minimum balance requirements

Unused funds remain in account year after year with no “use it or lose it” policy

Keep your HSA in your name, regardless of career or life changes

No minimum deposit to open

Requirements

Must be covered under a qualified, high deductible health plan

Must not have coverage by another type of health plan

Cannot be claimed as a dependent on another person’s tax return

Cannot be enrolled in Medicare

Eligibility

Most adults under 65 who are not enrolled in Medicare and are covered under a high-deductible health plan (HDHP) can qualify for an HSA, but it is up to the account holders to determine their own eligibility. Please contact your tax advisor for further eligibility requirements.

Read the FAQ

Member Praise

  • On more than one occasion the employees have gone above and beyond to help solve a problem with us. … read more

    Kim Katz Avatar
    Kim Katz
    5/11/2021

    I enjoy banking here. I don’t feel as though they are “out to get me” as one might expect… read more

    Tyler Avatar
    Tyler
    12/30/2020

    The first and most important thing I would say is that this Branch seems to have wonderful people, who are… read more

    Jeff Beck Avatar
    Jeff Beck
    12/02/2020
  • Good and very awesome bank for the brave men and women that serve colorado state.

    DamianFranklin Okolie Avatar
    DamianFranklin Okolie
    11/19/2020

    The staff is the greatest. They make your experience there wonderful. Best financial institution I’ve ever been… read more

    Dennis Page Avatar
    Dennis Page
    12/27/2019

    5 star ratingExcellent service and customer care. RMLEFCU offers wonderful member benefits and a personal touch to everything. I've enjoyed… read more

    David P. Avatar
    David P.
    5/14/2019
  • 5 star ratingThe staff at RMLEFCU are almost always extremely courteous and helpful. They have one employee Patrick who,… read more

    Mary C. Avatar
    Mary C.
    4/04/2019

    5 star ratingEver since I married into a police family I've used RMLEFCU, and have had nothing but wonderful experiences. Every time we… read more

    Melanie S. Avatar
    Melanie S.
    8/22/2018

    The staff at Rocky Mountain Federal Credit Union is very friendly. My wife and I have been using the credit… read more

    David Stark Avatar
    David Stark
    5/08/2018
  • They are always very helpful and friendly !!!!!

    michelle mancera Avatar
    michelle mancera
    4/25/2018

    The Rocky Mountain Law Enforcement Credit Union is my #1 Choice for all my banking and financial needs. (I have… read more

    Nani Kai Avatar
    Nani Kai
    4/21/2018

    Absolutely fantastic people great service

    Andy Bashore Avatar
    Andy Bashore
    4/20/2018
  • I love this branch! Everyone is very personable and always asks how you are doing. They are always very helpful… read more

    Bryanna Thompson Avatar
    Bryanna Thompson
    4/13/2018

    5 star ratingI can't say enough good things about RMLEFCU! I frequent the Park Meadows location and always have a great experience… read more

    Chelsea G. Avatar
    Chelsea G.
    4/05/2018

    Friendly

    Rene Ramirez Avatar
    Rene Ramirez
    6/28/2016
  • 5 star ratingSimply put, this is by far the best banking establishment around! Amazing customer service!

    Dan M. Avatar
    Dan M.
    7/29/2015

    5 star ratingI have been banking here since…well…birth. My grandfather was a police officer and opened an account for me when I… read more

    Sara B. Avatar
    Sara B.
    6/17/2013

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How Can We Help?

1. APY=Annual Percentage Yield.
2. Consult a tax advisor.
3. 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.