FCFCU HSA
Quick Summary
- HSA savings account
The Verdict
FCFCU HSA provides essential HSA features with zero monthly maintenance fees and self-directed brokerage access, mutual fund investing, CD options, earning a 0/5.0 rating from HSA Orbit.
We recognize that as a consumer you have an expectation of choice when you shop and that you prefer to do business with a company that responds to your wishes. As a company who wants to deliver on that promise, at our core is a promise to listen. If you know exactly what you need, we’re great at providing top-notch financial solutions at a fair price.
However, if you know where you want to go, but are unsure of the best way to get there - that’s where we excel. Financial Center is a three-time national winner of CUNA’s DesJardins Award for Financial Literacy, and our priority is to make sure you’re equipped with all the information to make the best financial decision first and provide solutions second.
Because we understand that it’s your money, and your future, and you deserve to bank your way.
Financial Center First Credit Union is a member-owned, not-for-profit, co-operative financial institution whose members received direct financial benefits in the form of lower loan rates, higher savings rates, and fewer fees than other banking institutions according to the Credit Union National Association.
Key Features
Banking & Access
Includes debit card, online banking and check-writing.
Investment Options
Offers self-directed brokerage, mutual fund investing and CDs.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
No minimum balance to open. no account opening fees.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance | $0.00 | $0.69 | EXCELLENT |
| Account Opening | $0.00 | $1.88 | EXCELLENT |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Brokerage Access
FCFCU HSA provides a self-directed brokerage window for investing your HSA funds in the broader market.
Mutual Fund Investing
Access mutual fund investments through your HSA with FCFCU HSA.
- Minimum Threshold$1,000
- Fees$36 Annual Fee
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $1,000 - $10,000 | 0.25% |
| $10,000 - $50,000 | 1.00% |
| $50,000 - $100,000 | 1.25% |
| $100,000 - $250,000 | 2.10% |
| $100+ | 0.05% |
Last updated: 04-25-2025
Contact Information
Address
7101 E. 56th Street Indianapolis, IN 46226 Customer Service Mailing Address Financial Center 7101 East 56th Street PO Box 26501 Indianapolis, IN 46226-0501
Customer Service
800-473-2328
7101 E. 56th Street Indianapolis, IN 46226 Customer Service Mailing Address Financial Center 7101 East 56th Street PO Box 26501 Indianapolis, IN 46226-0501
At a Glance
Pros & Cons
The Good
- •No monthly maintenance fees
- •No account opening or closing fees
- •Self-directed brokerage access
- •FDIC/NCUA insured deposits
The Bad
- •$1,000 minimum to invest
User Sentiment
Based on community feedback
Sentiment data coming soon
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