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Health Savings Account APY Rates Comparison

Check out our top promotions page for the best bonuses, deals, promotions, and offers from major banks such as Chase, HSBC, Bank of America, and Citibank.

If you want to see comparisons for other types of bank accounts, see our list of highest APY by account types here.

Bank Account Rates Min $ Max $
Evansville Teachers FCU
Health Savings Checking
2.01%$500-
Connexus Credit Union
Health Savings Account
1.50%*$5k-
The Adirondack Trust Company
Health Savings Account
1.00%$1-
First Technology FCU
HSA Checking
1.00%--
Matadors Community Credit Union
Health Savings Account
0.60%*$5k-
Technology Credit Union
Health Savings Account
0.50%*$2.5k-
Northpointe Bank
Health Savings Account
0.50%--
Genisys Credit Union
Health Savings Account (HSA)
0.50%--
Thrivent FCU
Health Savings Account
0.40%*$5k-
Corporate America Family Credit Union
Health Savings Account (HSA)
0.40%*$5k-
Veridian Credit Union
HSA Savings
0.40%$50-
Capital Educators FCU
Health Savings Account
0.35%*$2.5k-
Elements Financial
Health Savings Account (HSA)
0.30%*$2.5k-
Lake Michigan Credit Union
Health Savings Account (HSA)
0.30%*$5k-
NASA FCU
Health Savings Services
0.30%*$2.5k-
Great Lakes Credit Union
Health Savings Account
0.30%$100-
Prime Alliance Bank
Health Savings Account
0.30%--
Vision Financial FCU
Health Savings Account
0.30%--
Patelco Credit Union
Health Savings Account
0.25%*$3.5k-
Affinity FCU
Health Savings Account
0.25%--
Hughes FCU
Health Savings Account
0.25%--
Marine FCU
HSA Share - Family
0.25%--
Newtown Savings Bank
Health Savings Account
0.20%*$5k-
Digital FCU (DCU)
HSA Checking Account
0.20%*--
America's Credit Union
Health Savings Account (HSA)
0.20%--
Allegacy FCU
Health Savings Account (HSA)
0.15%*$5k-
Bellco Credit Union
HSA Checking Account
0.15%*$2.5k-
First Internet Bank
Health Savings Account
0.15%--
nbkc bank
Health Savings Account
0.15%--
Interior FCU
Health Savings Account
0.10%*$2k-
American Bank
Health Savings Account
0.10%*--
Hiway Credit Union
HSA Savings
0.10%--
Grow Financial FCU
Health Savings Account
0.10%--
St. Mary's Bank
Health Savings Account
0.10%$1k-
SunWest
Health Savings Checking Account
0.10%$25-
Louisiana National Bank
HSA Account
0.10%$1k-
Chevron FCU
HSA Checking
0.10%$500-
Spectrum Credit Union
HSA Checking
0.10%--
Blue FCU
HSA Checking - Free
0.10%$25-
Heritage Bank
Health Savings Account
0.09%*$5k-
Summit Credit Union (WI)
Health Savings Account
0.09%*$5k-
IncredibleBank
IncredibleBank HSA
0.05%*$1k-
Consumers Credit Union (IL)
Health Savings Account
0.05%*--
USALLIANCE Financial
Health Savings Account
0.05%*$2k-
TBK Bank
Premier HSA
0.05%--
Premier Members Credit Union
Health Savings Account
0.05%--
GTE Financial
HSA Checking
0.05%--
Southeast Financial Credit Union
Health Checking Account
0.03%--
Achieva Credit Union
Health Savings Account (HSA)
0.03%$1-
BECU (Boeing Employees Credit Union)
Health Savings Account
0.02%--
KeyBank
KeyBank Health Savings Account
0.01%*--

Which savings account do I choose?

The number of savings account options is overwhelming, so here are a few tips to help you find the right account.

We suggest you first look for the highest APY available. There’s a good chance that the financial institution with the highest rate is one you don’t recognize, but don’t be afraid to look beyond your usual bank, even though national banks such as Citibank, Bank of America, Chase, and HSBC are more recognizable. Unfortunately, many of the most well-known big bank names are typically the ones offering some of the lowest rates.

Then be sure to consider the account’s minimum balance or minimum deposit requirement. You typically won’t find unreasonably high minimums with online savings accounts, but to earn some of the highest APY, the minimum requirement may be thousands of dollars.

Avoiding fees should be one of the key factors to consider. While some banks offer you high interest rates but it would not make sense to sign up for those only to find the fees negate the higher interest rates.

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