Savings Accounts
Highest Health Savings Account (HSA) Rates
The highest HSA rate on Banksparency is 3.04% APY, advertised by First Federal Community Bank, National Association on its Health Savings Account. This page tracks 29 active health savings accounts (HSAs) from 28 banks.
By Aviel Fahl
|Health Savings Account (HSA) Rate Summary
28 banks tracked in this category.
The mean of all tracked health savings account (HSA) APYs is 0.84%. The FDIC national average for savings accounts is 0.38% as of Aug 2026. The effective federal funds rate is 3.63% as of Sep 2, 2026.
Market Snapshot
Top 10 Range
1.00%–3.04% APY
Average APY
0.84% APY
The mean of all tracked health savings accounts (HSAs)
FDIC National Average
0.38%
savings accounts, cap 4.38% · Aug 2026
Fed funds rate
3.63%
As of Sep 2, 2026
What a higher rate is worth
A year at the FDIC national average returns about $38 in interest on a $10,000 balance. The highest health savings accounts (HSAs) we track advertise 1.00%–3.04% APY.
The neighbouring rankings, if this is not the account you want:
Latest Rate Changes
Review every rate change captured for the selected timeframe.
Effective Federal Funds Rate
Policy rate benchmark
No rate changes recorded for this timeframe.
Highest Health Savings Account (HSA) Rates Right Now
Ordered by highest APY. 29 products tracked.
First Federal Community Bank, National Association leads at 3.04% APY on its Health Savings Account. The tenth-ranked HSA rate is 1.00%, so the top ten span 2.04 points. The leader is 8.0 times the FDIC national average of 0.38%.
First Federal Community Bank, National Association
Health Savings Account
Petefish, Skiles & Co.
Health Savings
Farmers State Bank
Health Savings Account
| Institution | Product / Term | APY | Sponsored link |
|---|---|---|---|
| First Federal Community Bank, National Association | Health Savings Account | 3.04% | |
| Petefish, Skiles & Co. | Health Savings | 3.03% | |
| Farmers State Bank | Health Savings Account | 3.00% | |
| Northeast Bank | Health Savings Account | 2.00% | |
| Peoples State Bank of Plainview | HSA Savings $20,000+ | 1.66% | |
| FirstBank of Nebraska | Health Savings Account | 1.51% | |
| Dundee Bank | Health Savings Account | 1.50% | |
| Peoples State Bank of Plainview | HSA Savings | 1.31% | |
| Chelsea Savings Bank | Health Savings Account | 1.00% | |
| First Community Bank of Hillsboro | Health Savings Account | 1.00% | |
| Laona State Bank | Health Savings Account | 1.00% | |
| Citizens Bank Minnesota | Health Savings Account | 0.75% | |
| First Federal Savings and Loan Association of Central Illinois, S.B. | Health Savings | 0.75% | |
| Farmers and Merchants Union Bank | Health Savings | 0.60% | |
| Ergo Bank | Health Savings Account | 0.30% | |
| Gateway Bank | Health Savings Checking | 0.30% | |
| THE VINTON COUNTY NATIONAL BANK | Health Savings Account | 0.30% | |
| Security Bank Minnesota | Variable Rate HSA | 0.25% | |
| Omb Bank | Health Savings Account | 0.20% | |
| Exchange State Bank | Health Savings Account | 0.15% | |
| Artisans' Bank | Health Savings Account | 0.10% | |
| Bank Michigan | Health Savings Account (HSA) | 0.10% | |
| Bank of Commerce | Health Savings Account | 0.10% | |
| First National Bank of Clarksdale | Health Savings Account | 0.10% | |
| Woodford State Bank | Health Savings Account | 0.10% | |
| Federation Bank | HSA Checking | 0.05% | |
| First Federal Savings and Loan Association of McMinnville | Health Savings Account | 0.05% | |
| The Old Fort Banking Company | Health Savings Account | 0.05% | |
| First Bank | Health Savings Account | 0.03% |
Health Savings Account (HSA) rate questions
What is the highest HSA rate right now?
First Federal Community Bank, National Association advertises 3.04% APY on its Health Savings Account, the highest of 29 active health savings accounts (HSAs) tracked on Banksparency.
What is the average HSA rate?
The mean of all 29 tracked health savings account (HSA) APYs is 0.84%. It is a plain mean across every tracked product.
How do the top HSA rates compare with the FDIC national average?
The ten highest advertised rates run from 1.00% to 3.04% APY, against an FDIC national average of 0.38%. The FDIC national rate cap for savings accounts is 4.38%.
When were these HSA rates last observed?
The newest reading on this page is from Friday, September 4, 2026. Banksparency reads each institution's advertised rate on that institution's own website, and it records the date of each reading. Some rates on this page carry an earlier date. A rate can change at any time, so confirm it with the institution before you open an account.