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Invest in your health for a better tomorrow.

Healthcare expenses can be scary – but we can help you ease the sting a little. Your Alltru Health Savings Account lets you save toward future medical expenses. Even better, these savings are pre-tax – so you’re effectively reducing your taxable income, which saves you even more.

You’ll receive a Visa debit card linked to this account which can be used to pay for health expenses like doctor’s office visits, prescriptions, vision expenses, dental expenses, and long-term care insurance.

To open a Health Savings Account (HSA):
Alltru Member Marshal smiling while sitting outside in St. Louis. Photo is inside of a circle shape.


Alltru Member

Alltru Representative Nicole is sitting inside the Wentzville Alltru Credit Union branch. She has one hand resting on the back of her chair while she smiles at the camera. Photo is inside of a circle shape.


Alltru Representative

Alltru Health Savings Account




Open an account
Alltru Health Savings Account Features

Here are the benefits.

Commonly Asked Questions

Want to know more about Health Savings accounts? Explore a few commonly asked questions below.

A mom and her toddler daughter do yoga together in a bright living room.

The HSA account holder must satisfy four requirements:

  • Be covered by a High Deductible Health Plan (HDHP)
  • Not be covered by another type of insurance (unless it’s a dental or vision plan; or another qualified HDHP)
  • Not be enrolled in Medicare
  • Not be claimed as a dependent on another person’s tax return

Yes, but the funds will be subject to income tax and a 20% IRS penalty (penalty does not apply after age 65)

  • Payroll deduction (if offered by your employer)
  • Electronic transfer (from your checking or other savings account using online banking)
  • In branch deposits into your HSA account

Alltru Credit Union provides you with several ways to access your funds to pay for medical expenses:

  • An HSA Visa debit card
  • Online banking
  • Withdraw cash from Alltru Credit Union branch
  • $4,150 single coverage
  • $8,300 family coverage
  • Individuals age 55 and older are permitted to make an additional $1,000 “catch-up” contribution

Contribution limit amounts are effective 1/1/24.

Yes, HSA owners may move their HSA assets to another financial organization, even if the contributions were made by their employers

“Everyone is really helpful and if there’s ever an issue they always get it squared away immediately and make sure that I’m getting taken care of.”

Alltru Member
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We’re in your neighborhood.

We are St. Louis, through and through. We have branches throughout the metro area. Plus, as a member you’ll have free access to hundreds of local ATMs.