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Savings Accounts

Maximize your savings and build a brighter future with the 1st Capital Bank. The account features different types of savings plan to meet your needs and interests. For a more personal touch, drop by at one of our convenient locations.

Health Savings Accounts (HSA)


Health Savings Accounts (HSA) is a tax favored savings or investment account created to pay for medical expenses. It is an excellent way to control the rising cost of health care for employees. The account works in conjunction with a high-deductible health plan to lower your premium costs for employee health coverage. HSA distributions are to be used exclusively to pay for or to reimburse qualified medical expenses. Please stop by any of our branches for an HSA brochure for qualifying criteria and additional information. 


  • Tax-Free Interest

  • Tax-Free Distributions for qualified medical expenses defined by IRS

  • Tax Deductions for contributions

  • Contributions may be 100% of the maximum specified by IRS each year

  • Minimum Opening Requirement of $100.00 

  • One Complimentary Order of 25 checks

  • Free Debit Cards

  • Free Online Banking

  • Unlimited Withdrawals for qualified medical expenses

  • Earns Interest 1


 1Interest rate and Annual Percentage Yield are subject to change on your account at anytime. You can contact our branches for current interest rate and Annual Percentage Yield information. Balance Computation Method: We use the daily balance computation method to calculate the interest on your account. This method applies a daily periodic rate to the proncipal in the account each day Interest Compounding Method and Credit Frequency. The interest compounding method is monthly. Interest will be credited to your account monthly.  

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