Savings Accounts
Highest Health Savings Account (HSA) Rates
The highest HSA rate on Banksparency is 3.50% APY, advertised by First Security Bank on its Health Savings Account. This page tracks 302 active health savings accounts (HSAs) from 294 banks.
By Aviel Fahl
|Health Savings Account (HSA) Rate Summary
294 banks tracked in this category.
The mean of all tracked health savings account (HSA) APYs is 0.64%. The FDIC national average for savings accounts is 0.37% as of Sep 2026. The effective federal funds rate is 3.88% as of Oct 2, 2026.
Market Snapshot
Top 10 Range
3.00%–3.50% APY
Average APY
0.64% APY
The mean of all tracked health savings accounts (HSAs)
FDIC National Average
0.37%
savings accounts, cap 4.38% · Sep 2026
Fed funds rate
3.88%
As of Oct 2, 2026
What a higher rate is worth
A year at the FDIC national average returns about $37 in interest on a $10,000 balance. The highest health savings accounts (HSAs) we track advertise 3.00%–3.50% 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
- Iowa State Bank
Health Savings Account - Fixed Rate
3.04% APY+0.29 percentage points - Central Bank & Trust Co.
Health Savings Accounts
0.75% APY+0.20 percentage points - Citizens Bank
Health Savings Account
2.40% APY+0.15 percentage points - Foresight Bank
HSA eAccount
1.76% APY+0.15 percentage points - Foresight Bank
Health Savings
1.71% APY+0.15 percentage points - Pathway Bank
Health Savings Account
1.15% APY+0.15 percentage points - Citizens State Bank Norwood Young America
Health Savings Account
0.50% APY+0.05 percentage points
- Thayer County Bank
Health Savings Account
1.00% APY-0.53 percentage points
Highest Health Savings Account (HSA) Rates Right Now
Ordered by highest APY. The top 50 of 302 products tracked.
First Security Bank leads at 3.50% APY on its Health Savings Account. The tenth-ranked HSA rate is 3.00%, so the top ten span 0.50 points. The leader is 9.5 times the FDIC national average of 0.37%.
First Security Bank
Health Savings Account
First National Bank Of Commerce
HSA (Trust)
The Clinton National Bank
CNB Health Savings
needs at least $15,000
| Institution | Product / Term | APY | Sponsored link |
|---|---|---|---|
| First Security Bank | Health Savings Account | 3.50% | |
| First National Bank Of Commerce | HSA (Trust) | 3.35% | |
| The Clinton National Bank | CNB Health Savingsneeds at least $15,000 | Up to3.30% | |
| The First Trust and Savings Bank of Watseka, Illinois | Health Savings Account | 3.25% | |
| First Federal Community Bank, National Association | Health Savings Accountneeds at least $50,000 | Up to3.04% | |
| Green Belt Bank & Trust | Health Savings Account | 3.04% | |
| Iowa State Bank | Health Savings Account - Fixed Rate | 3.04% | |
| Petefish, Skiles & Co. | Health Savingsneeds at least $25,000 | Up to3.03% | |
| Farmers State Bank | Health Savings Accountneeds at least $50,000 | Up to3.00% | |
| The Bank of Brodhead | Health Savingsneeds at least $15,000 | Up to3.00% | |
| Mount Vernon Bank and Trust Company | Health Savings Accountneeds at least $25,000 | Up to2.50% | |
| Yampa Valley Bank | Health Savings Accountneeds at least $2,500 | 2.41% | |
| Citizens Bank | Health Savings Accountneeds at least $100,000 | Up to2.40% | |
| Connection Bank | Health Savings | 2.29% | |
| Osgood Bank | Health Savings Accountneeds at least $50,000 | Up to2.27% | |
| Auburn Savings Bank, FSB | Health Savings Account | 2.25% | |
| JONES BANK | Health Savings Accountneeds at least $50,000 | Up to2.05% | |
| Peoples Savings Bank | Health Savings Account | 2.05% | |
| First Federal Savings and Loan Association of Van Wert | Health Savings Accountneeds at least $2,500 | 2.02% | |
| First Southern Bank | Health Savings Account | 2.02% | |
| Headwaters State Bank | Health Savings Accountneeds at least $25,000 | Up to2.02% | |
| Morgantown Bank & Trust Company, Incorporated | Health Savings Account | 2.02% | |
| Northwestern Bank | Health Savings Accountneeds at least $10,000 | 2.02% | |
| The Bank of Elk River | Health Savings Accountneeds at least $10,000 | 2.02% | |
| Bank of Utica | Health Savingsneeds at least $5,000,000.01 | Up to2.00% | |
| First Tri County Bank | Health Savings Account | 2.00% | |
| Main Bank | Health Savings Accountsneeds at least $50,000 | Up to2.00% | |
| North American Banking Company | Health Savingsneeds at least $10,000 | 2.00% | |
| Northeast Bank | Health Savings Account | 2.00% | |
| The Farmers State Bank of Waupaca | Health Savings Accountneeds at least $50,000 | Up to2.00% | |
| Harvest Bank | Health Savings Accountneeds at least $20,000 | Up to1.80% | |
| Foresight Bank | HSA eAccountneeds at least $25,000 | Up to1.76% | |
| Henderson State Bank | Health Savings Account | 1.75% | |
| Foresight Bank | Health Savingsneeds at least $25,000 | Up to1.71% | |
| Peoples State Bank of Plainview | HSA Savings $20,000+ | 1.66% | |
| The First National Bank of Bemidji | Health Savings Accountneeds at least $50,000 | Up to1.66% | |
| Cornerstone State Bank | CornerStone HSA/IRA Savingsneeds at least $25,000 | Up to1.51% | |
| FirstBank of Nebraska | Health Savings Accountneeds at least $100,000 | Up to1.51% | |
| Citizens Bank | Health Savings Accountneeds at least $100,000 | Up to1.50% | |
| Crossroads Bank | Health Savings Accountneeds at least $10,000 | 1.50% | |
| Dundee Bank | Health Savings Accountneeds at least $100,000 | Up to1.50% | |
| First Federal Savings Bank | Health Savings Accountneeds at least $75,001 | Up to1.50% | |
| GreenLeaf Bank | Health Savings Checkingneeds at least $10,000 | 1.50% | |
| Kennebec Savings Bank | HSA Savingsneeds at least $20,000 | Up to1.50% | |
| Calvin B. Taylor Banking Company of Berlin, Maryland | Health Savings Account | 1.46% | |
| Union Bank and Trust Company | Health Savings Accountneeds at least $25,000 | Up to1.46% | |
| Warren-Boynton State Bank | Health Savings Account | 1.46% | |
| Enterprise Bank | Simplicity Consumer HSA | 1.41% | |
| Peoples State Bank of Plainview | HSA Savings | 1.31% | |
| First State Bank | Health Savings Accountneeds at least $25,000 | Up to1.26% |
Health Savings Account (HSA) rate questions
What is the highest HSA rate right now?
First Security Bank advertises 3.50% APY on its Health Savings Account, the highest of 302 active health savings accounts (HSAs) tracked on Banksparency.
What is the average HSA rate?
The mean of all 302 tracked health savings account (HSA) APYs is 0.64%. 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 3.00% to 3.50% APY, against an FDIC national average of 0.37%. 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 Monday, October 5, 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.