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Health Savings Accounts

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A Trusted Partner

Lively Coming Soon
Lively Coming Soon

On June 1, 2024, America First Health Savings Accounts were automatically transferred to a new custodian called Lively, Inc. These new Health Savings Accounts, powered by Lively, offer enhanced features and resources to improve your HSA experience.


Manage the Costs of Care

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Man and woman looking at a paper

While medical expenses always seem to trend upward, Health Savings Accounts (HSAs) can help keep these costs in check. America First provides those with high-deductible health plans the ability to build a cushion to pay for their care through Lively, Inc.

Enhance Your Financial Health

A doctor speaking to a man
A doctor speaking to a man

America First members, their families, and business owners can take advantage of the many benefits that come with an HSA, including:

  • Pre-tax contributions and/or tax-deductible contributions
  • Tax-free dividends and qualified medical expenses
  • Unused resources roll over every year and continue to build tax-free
  • Your HSA dollars are yours, even if you change jobs, switch insurance policies, or retire
  • HSA-eligible insurance policies generally have lower prices

Why Choose an HSA from Lively?

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A doctor checking on a child
  • No minimum balances or required* monthly fees
  • HSA debit cards for direct qualified medical expenses
  • Easy account management, contribution & expense tracking
  • Innovative account features and dedicated member support
  • Uninvested funds are NCUA insured** and interest-bearing
  • Lively's Expense Scout uses machine-learning technology to find eligible expenses
  • You can also link your America First credit or debit cards to Lively's system for reimbursements

Can I Get a Health Savings Account?

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A doctor and a patient

In order to open an HSA, you must first meet the following criteria:

  • Have a qualified high-deductible health plan
  • Have no other major medical insurance coverage
  • Not be enrolled in Medicare
  • Can’t be claimed as anyone’s dependent on a tax return

HSAs for Employers

HSA for employers
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A healthy team is one of your most valuable assets. Discover how America First can help you achieve this goal by offering HSAs to your employees.

*Fees may be required for use of optional investment platforms. **The National Credit Union Administration (NCUA) provides federal insurance up to $250,000 per qualified account. Membership, eligibility, terms, conditions & changes apply. America First is federally insured by NCUA. Equal Housing Opportunity Lender. 

Frequently Asked Questions

Lively is a top-rated Health Savings Account (HSA) provider offering a modern user experience that makes it easy to save on the costs of healthcare today and plan for the costs of tomorrow. America First is excited to work with Lively to deliver our members a first-rate HSA experience. Here is what you can look forward to with your new America First Health Savings Account, delivered by Lively:

○      No minimum balance or required monthly fees*

○      The ability to invest your HSA funds through Lively’s HSA investment platforms

○      Uninvested funds are NCUA-insured and interest-bearing

○      Pay for qualified medical expenses directly at the point of sale with an HSA debit card

○      Easily manage your account, contributions, and healthcare spending using Lively’s intuitive website and mobile app (available for iOS and Android devices)

○      New account features such as: Expense Scout, which automatically highlights purchases you’ve made that may be eligible for reimbursement; Deductible Tracker, which helps you optimize how you use your health plan; and the ability to securely store receipts of qualified medical expenses

○      Dedicated member support available by phone or online

*Fees may be required for use of optional investment platforms.

Yes, your uninvested funds will continue to be NCUA insured.

Please note: If you choose to invest through Lively's HSA investment platforms, funds will not be federally insured.

We're Here to Help You

At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve.