Last Updated: 04/18/2025
Health Advantage CU Individual Retirement Accounts
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Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.100% - 0.400%(Verified 06/21/2024)
Minimum Opening Deposit
$0
Minimum Balance to Earn APY
$0
Health Advantage CU Individual Retirement Accounts Review
Health Advantage CU Individual Retirement Accounts is offered by Health Advantage Credit Union, a credit union founded in 1970 and based in Saginaw, MI. Health Advantage CU Individual Retirement Accounts are available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. Health Advantage CU Individual Retirement Accounts has an annual percentage yield of up to 0.400%, which is higher than the average interest rate for savings accounts.
- 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.
Health Advantage CU Individual Retirement Accounts Pros & Cons
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Health Advantage CU Individual Retirement Accounts FAQ
Are savings accounts from Health Advantage Credit Union federally insured?
Yes, your savings 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.
Does Health Advantage Credit Union offer a signup bonus?
Health Advantage CU Individual Retirement Accounts doesn't offer a signup bonus.
What is the minimum initial deposit for Health Advantage CU Individual Retirement Accounts?
There is no minimum deposit to open a Health Advantage CU Individual Retirement Accounts.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Health Advantage CU Individual Retirement Accounts offer?
Health Advantage CU Individual Retirement Accounts offers a variable APY starting at 0.100% and ranging up to 0.400% (APY stands for annual percentage yield, rates may change).
What fees does Health Advantage CU Individual Retirement Accounts charge?
Health Advantage CU Individual Retirement Accounts does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $30.00 fee.
- An overdraft on your account will trigger a $30.00 fee per item.
- Health Advantage CU Individual Retirement Accounts charges $1.00 every time you request a paper statement.
Does Health Advantage CU Individual Retirement Accounts charge overdraft fees?
Yes, Health Advantage CU Individual Retirement Accounts charges a $30.00 overdraft fee. Health Advantage CU Individual Retirement Accounts offers overdraft protection at a cost of $5.00 per transaction. This overdraft protection fee is charged every time the bank arranges a transfer from another one of your accounts, typically a savings account, to cover the overdraft.
What features and perks does Health Advantage CU Individual Retirement Accounts offer?
This savings account includes the following features:
- Mobile Banking Services - Health Advantage CU Individual Retirement Accounts allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to Health Advantage CU Individual Retirement Accounts?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for Health Advantage CU Individual Retirement Accounts?
The customer support email for Health Advantage CU Individual Retirement Accounts is marketing@healthadvantagecu.com.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
9:00AM - 12:30PM