Welcome to Saturna Trust Company's Health Savings Account (HSA) Options

Saturna offers two Health Savings Accounts (HSA), choose which HSA is best for you and your family.

Both of our HSAs provide the same triple-tax advantages, and have many of the same helpful features, such as a debit card, spending account and investment account. The main differences between the two are your investment options and your ability to earn interest in the spending account. Learn more:

Traditional HSA:

Our Traditional HSA leverages a broad selection of high quality, active, and passive investment options that are easy to navigate. The Traditional HSA fund menu does not include much strategic overlap or numerous volatile niche funds. This approach is reflective of the guidelines established by Morningstar in the “2023 Morningstar Health Savings Account Landscape”. This investment menu would be appropriate for the majority of investors.

Shifa HSA:

Our Shifa HSA offers investment options that are compliant with Islamic Investment Principles, allowing Muslim investors to take advantage of an HSA that aligns with their religious beliefs. Mutual funds that invest according to Islamic Principles typically avoid speculation. This investment menu (Amana Growth: AMIGX, Amana Income: AMINX, Amana Developing World: AMIDX, Amana Participation: AMIPX) would be appropriate for the majority of Muslim investors. Additionally, to avoid riba (interest), the associated spending account tied to your debit card will not accrue interest.

For more information about our Health Savings Accounts, please contact us:

Learn more about our Traditional HSA

Learn more about our Shifa HSA


Learn more about Saturna Trust Company's Traditional HSA:

More HSA Forms


Important Disclaimers and Disclosure


1 It does not include much strategic overlap or numerous volatile niche funds.

Saturna Trust Company, in its capacity as the Saturna Capital Corporation Direct Customer Product Sponsor, selects the mutual funds in the Saturna Trust Health Savings Account (the “HSA”) unless you participate in your employer sponsored HSA. In that case, your employer sponsored HSA mirrors the mutual funds selected by your employer as the plan sponsor of your 401(k) plan. UMB Bank, n.a., a wholly owned subsidiary of UMB Financial Corporation, is the HSA custodian. Saturna Trust Company, in its capacity of sub-custodian to the HSA, provides mutual fund settlement, custodial, and recordkeeping services to the HSA.

The mutual funds in the Saturna Trust Company HSA Plan are not FDIC insured, and are not an obligation of, or guaranteed by, UMB Bank, n.a. or Saturna Trust Company. Mutual funds may fluctuate in value and involve investment risk including the possible loss of principal. There can be no guarantee about the attainment of any particular investment goals, investment performance, or investment objectives.

Saturna Trust Company is a wholly-owned subsidiary of Saturna Capital. HSA deposit products offered by UMB Bank, n.a. Member FDIC.

High-Deductible Health Plans constitute insurance products, which are not offered by Saturna Trust Company, or UMB Bank, n.a. and are not FDIC-insured.All mention of taxes is made in reference to federal tax law. Neither Saturna Trust Company nor UMB Bank n.a., nor its parent, subsidiaries, or affiliates are engaged in rendering tax or legal advice and this document is not intended as tax or legal advice.

States can choose to follow the federal tax-treatment guidelines for HSAs or establish their own; some states tax HSA contributions. Please check with each state’s tax laws to determine the tax treatment of HSA contributions, or consult your tax adviser.