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Your health is important. Prioritize your care with an account dedicated to helping you save for medical expenses.

Key Features

  • Competitive Dividends
  • No "Use It or Lose It" Policy
  • Tax Advantages1

Navigate the benefit of tax-advantaged savings with Intrepid Credit Union's Montana Medical Savings Account (MSA) – your gateway to a healthier, wealthier future. Our health savings account provides a solution for managing your medical expenses and helps you build a stronger health-focused financial plan.

  • Allows members to save for medical expenses
  • Not only for the account holder, but anyone they choose. 
  • Reduce Montana State income taxes and earn tax-deferred dividends1
  • Dividends are compounded daily when account balance is $100 or greater and paid monthly
  • Maximum of $4,500 per year in contributions
  • Withdrawals must be for medical expenses as defined by the State of Montana
  • Contributions cannot be deducted from Federal Income Tax Returns
  • Reporting is self-administered by the member
  • Funds in the account cannot be used as collateral for share secured loans
  • No annual requirement that the funds be used during the tax year deposited
  • Unused funds remain in the account for future medical payments and earn interest tax free
  • Free digital banking
  • No minimum deposit to open

1Consult a tax advisor.