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Last Updated: 01/21/2026

Route 31 Credit Union HSA Checking Account

in Checking Accounts from Route 31 Credit Union

Last Updated: 01/21/2026

Route 31 Credit Union logo
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Welcome Offer

N/A


Cashback Rewards

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APY (Annual Percentage Yield)

0.75% - 2.00%(Verified 07/11/2024)

Monthly Service Fee

$0(Verified 01/21/2026)

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Route 31 Credit Union HSA Checking Account Review

The Route 31 Credit Union HSA Checking Account is offered by Route 31 Credit Union, a credit union founded in 1949 and based in Muskegon, MI. Route 31 Credit Union HSA Checking Account is available in 50 states, 5 US territories, and Washington, DC.

Key Takeaways

  • Up to 2.00% annual percentage yield (APY). This account offers an annual percentage yield of up to 2.00%, which is much higher than the average for the checking accounts that we track However, you must keep a minimum balance of $300.00.
  • No monthly maintenance fees. This account does not charge any monthly account fees.
  • No minimum initial deposit. There is no minimum balance required to open an account online.

Route 31 Credit Union HSA Checking Account Pros & Cons

Route 31 Credit Union HSA Checking Account FAQ

Are checking accounts from Route 31 Credit Union federally insured?

Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Route 31 Credit Union HSA Checking Account offer?

Route 31 Credit Union HSA Checking Account offers an APY starting at 0.75% and ranging up to 2.00% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $300.00.

What are the account minimums for Route 31 Credit Union HSA Checking Account?

Route 31 Credit Union HSA Checking Account does not require a minimum initial deposit.

What fees does Route 31 Credit Union HSA Checking Account charge?

The good news is that this account does not have a monthly Service Charge.

What features and perks does Route 31 Credit Union HSA Checking Account offer?

This account includes the following features:
  • Mobile Banking Services - Route 31 Credit Union HSA Checking Account allows you to manage your money online or with a mobile app.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Route 31 Credit Union HSA Checking Account?

The customer support email for Route 31 Credit Union HSA Checking Account is info@route31cu.com.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

715 Terrace St
Ste 101
Muskegon, MI 49440
(231) 726-4871
Visit Site

Hours of Operation

Sunday
Closed
Monday
9:30AM - 5:00PM
Tuesday
9:30AM - 5:00PM
Wednesday
9:30AM - 5:00PM
Thursday
9:30AM - 5:00PM
Friday
9:30AM - 5:00PM
Saturday
Closed

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

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-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Route 31 Credit Union HSA Checking Account Community Reviews

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