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Personal

Medical Savings

DESCRIPTION

Available in Idaho only, a Medical Savings Account is a tax-deferred way in which money can be set aside to pay for routine out-of-pocket health care expenses and to build up savings for future medical costs. Check rates.

GENERAL OPTIONS

Contributions to an MSA are not deductible on Federal income tax returns
MSAs are individual or joint accounts with a designated beneficiary
If you are married and file a joint Idaho state income tax return, you may open a joint account
Any member with taxable income may open a Medical Savings Account
There are no minimum deposit requirements, setup charges or service fees
Dividends are paid based on the balance in the account
OPEN A NEW ACCOUNT

Will I lose the money if I don’t use it during the year?

No, the MSA account is designed for long term health cost planning and may continue to accumulate year after year.

Why should I open an Idaho MSA account?

Depositing into an MSA allows for state tax deductions of up to $2,000 individually or $4,000 jointly each year

When can I contribute to my MSA?

Contributions can be made at any time during the year for medical expenses already incurred.

Rate Information- The dividend rates for this account are determined at the discretion of the board of directors. See current rate sheet for dividend information.
The dividend rates and annual percentage yields may change at any time.
Nature of dividends – Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
Crediting Frequency – Dividends will be credited into this account monthly.
Compounding Frequency- Dividends will be compounded monthly.
Dividend period- For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date precedes the ending date of a dividend period, and for the example above is December 31.
Effect of Closing an Account – If you close your account before dividends are paid, you will not receive the accrued dividends.
Average daily balance computation method- Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.
Accrual of dividends on non-cash deposits – Dividends will begin to accrue on the business day you place non-cash items (for example) into your checking account.
Minimum balance to open – The minimum balance required to open this account is $5.00.
Minimum balance to obtain the disclosed annual percentage yield- You must maintain a minimum average daily balance of $50.00 in your account to obtain the disclosed annual percentage yield.
Additional limitations – The account holder may deduct up to $2,000 ($4,000 for a married couple with a joint account) in each calendar year for Idaho income tax purposes.
Withdrawal limitations – Withdrawals made before age 59 ½ for non-qualified medical expenses will be subject to a 10% tax penalty plus income tax. Additionally, due to the nature of this account, we are unable to offer any type of overdraft protection. If drafts attempt to pay against insufficient funds, they will be returned.
Withdrawal notice – We reserve the right to at any time require not less than seven days’ notice in writing before each withdrawal.
Bylaw Requirements – You must complete payment of one share into your Share account as a condition of admission to membership. The par value of a share is $5.00.
Balance Requirements – If within six months of admission to membership or increase in the par value your balance falls below the par value of one share and you do not increase the balance to at least the par value of the one share within six months of the reduction, you may be terminated from membership.
National Credit Union Administration Insurance – This credit union is federally insured by the National Credit Union Administration.

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We are committed to providing quality products and services that will enable our members to meet their financial goals. Protecting personal information and using it in a manner consistent with member expectations is a high priority for us.

Members of our credit union also have a responsibility to safeguard their financial information.

To ensure our commitment, we stand behind the following privacy policy:

Our credit union will collect only the personal information that is necessary to conduct our business. That means just what is necessary and no more.
Our credit union will protect your personal information. Our credit union will maintain strong security controls to ensure that member information in our files and computers is protected. Where appropriate, we will use security-coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.
You will always have access to your information. As a member of our credit union, you will always have the opportunity to review your information and make necessary changes to ensure that our records are complete and accurate.
Our credit union will only share information when absolutely necessary. We will only share information with other businesses in order administer the products and services we provide, or when required to do so by law.
Our credit union will partner only with businesses that follow strict confidentiality requirements. The businesses we select will offer products designed to enhance our members' economic well being. Under no circumstances will we authorize these firms to charge your account without your express consent, and we will not sell member information to telemarketing firms.
Our credit union will offer you a choice in how your information is used. Any member of our credit union may elect to keep information from being shared with our business partners. We will inform you on how to exercise your choice, and will take all reasonable steps to make sure your requests are followed.

The Les Bois FCU Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Les Bois FCU Web Site constitutes your agreement to all such terms, conditions, and notices.

Modification of these terms of use:

Les Bois FCU reserves the right to change the terms, conditions, and notices under which the Les Bois FCU Site/Services are offered. You are responsible for regularly reviewing these terms and conditions and additional terms. Your continued use of the Les Bois FCU Site/Services constitutes your agreement to all such terms, conditions, and notices.

Personal and non-commercial use limitation:

Unless otherwise specified, the Les Bois FCU Site is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Les Bois FCU site.

Links to third party sites:

The Les Bois FCU Site/Services may contain links to third party Web sites ("Linked Sites"). The Linked Sites are not under the control of Les Bois FCU and Les Bois FCU is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Les Bois FCU is not responsible for webcasting or any other form of transmission received from any Linked Site nor is Les Bois FCU responsible if the Linked Site is not working appropriately. Les Bois FCU is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Les Bois FCU of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites. Any dealings with third parties (including advertisers) included within the Les Bois FCU Site/Services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. Les Bois FCU shall not be responsible or liable for any part of any such dealings or promotions.

No unlawful or prohibited use:

As a condition of your use of the Les Bois FCU Site/Services, you will not use the Les Bois FCU Site/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Les Bois FCU Site/Services in any manner which could damage, disable, overburden, or impair any Les Bois FCU Site/Service(s) (or the network(s) connected to any Les Bois FCU Site/Service(s)) or interfere with any other party's use and enjoyment of any Les Bois FCU Site/Service(s). You may not attempt to gain unauthorized access to any Les Bois FCU Site/Service, other accounts, computer systems or networks connected to any Les Bois FCU Site/Service, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Les Bois FCU Sites/Services.

Service Contact:

Termination/Access Restriction:

Les Bois FCU reserves the right, at its sole discretion, to terminate your access to the Les Bois FCU Site/Services and the related services or any portion thereof at any time, without notice.

Les Bois FCU may also terminate or suspend your access to Les Bois FCU Site/Service(s) for inactivity, which is defined as failing to log into a particular service for an extended period of time, as determined by Les Bois FCU. Upon termination of the Les Bois FCU Site/Service, your right to use the Les Bois FCU Site/Service immediately ceases. Les Bois FCU shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party.

Copyright and trademark notices:

Any rights not expressly granted herein are reserved.

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