Take advantage of the tax incentive that a Health Savings Account (HSA) has to offer!

With Baltic State Bank's HSA account, you can pay for all your qualified medical expenses tax-free.

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  • Your contributions are tax-free.
  • There's a maximum contribution limit per year. Please visit the IRS website for more information. 
  • The contributions remain in your account until you use them.
  • Unused contributions will be rolled over to next year.
  • Your HSA account is "portable" and stays with you even if you change jobs.


  • Must be enrolled in a High Deductible Health Plan
  • Are not enrolled in Medicare
  • Can't be claimed as dependent on someone else's tax return

Call us:

(330) 897-6401

Toll Free:

(844) 447-6287

Online Banking Help Desk:

(888) 528-8540

After Hours Lost/Stolen Cards:

(800) 472-3272


Real Estate Loans

We offer flexible real estate loans that are designed to put you in the best financial position.

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Not all customers are identical... Why should their loans be?