Prime Times
The best account for a member in the prime of his life is Prime Times, and it’s available only from WSECU.

All members 50 years of age or older can enjoy the convenience of interest-earning free* checking with online banking and BillPay, simply by depositing $2,000 in any of our 12-month or longer certificates. Also, you’ll receive free WSECU image checks.

Prime Times members also enjoy a no-annual fee, variable-rate Visa^® credit card, free travelers cheques and free money orders. It’s a prime package to suit your primary financial needs.

To open a Prime Times account, contact our Call Center at 800.562.0999, weekdays from 7:00 am to 7:00 pm or Saturdays from 9:30 am to 2:00 pm or stop by a WSECU branch near you.

*No monthly, maintenance or per transaction fees

Health Savings Accounts
If you have a high-deductible healthcare plan (HDHP)¹, consider opening a Health Savings Account (HSA). An HSA is an account that you can put money into to save for future medical expenses and comes with certain advantages, including favorable tax treatment.

HSA Benefits

• Tax deductions when you contribute to your account
• Tax-free withdrawals for qualified medical expenses
• Unused funds carry over to the following year - no "use it or lose it"
• Dividends earned are tax free so earnings grow more quickly
• Flexibility and control of your HSA funds - you make all the decisions
• The account is portable - it goes where you go

You can use the funds in your HSA to pay for any qualified medical expense. This includes most medical care and services, as well as other medical expenses your insurance may not cover, such as:

• Chiropractic care (for medical care)
• Acupuncture
• Over-the-counter medications (such as aspirin)
• Vision care, including exams, eyeglasses and contact lenses
• Dental care

These are examples - for a comprehensive list and explanation of qualified expenses, visit www.irs.gov and enter "IRS Pub 502" in the search link.

Maximum contribution limits for HSAs and out-of-pocket spending limits for HDHPs that must be used in conjunction with HSAs may vary from year to year. These amounts are indexed annually for cost-of-living adjustments.

Please consult your tax adviser to determine your eligibility. To open an HSA, contact our Call Center at 800.562.0999 or visit your nearest WSECU branch.

Additional HSA details are available on the U.S. Department of the Treasury website.

¹You must have coverage under an HSA-qualified “high deductible health plan” to open and contribute to an HSA.