Highest Health Savings Account (HSA) Rates in Illinois
39 Illinois-specific products
Top Illinois Rate:3.50% APYFDIC or NCUA Insured
The Illinois market
Illinois accounts
39
Institutions
39
Top Illinois APY
3.50% APY
Nationally: 1.01% APY
FDIC national average
0.37%
As of Sep 2026
39 health savings accounts (HSAs) are open only to Illinois residents, from 39 institutions. The highest advertised APY among them is 3.50%.
The highest nationally available rate is 1.01% APY, 249 basis points below the Illinois leader.
23 of the 39 Illinois health savings accounts (HSAs) advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Illinois-Specific Health Savings (HSA) Accounts
Health Savings (HSA) accounts specifically available to Illinois residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$350per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #2 | The First Trust and Savings Bank of Watseka, Illinois Health Savings Account 3.25%APY Observed: Oct 7, 2026 Show Details | +$325per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #3 | Show Details | +$202per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #4 | Show Details | +$202per yearEffective: 2.02% | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #5 | Show Details | +$150per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #6 | Show Details | +$146per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #7 | First Community Bank of Hillsboro Health Savings Account Up to1.00%APY Needs at least $1,000 Observed: Oct 7, 2026 Show Details | +$100per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #8 | First Federal Savings and Loan Association of Central Illinois, S.B. Health Savings 0.75%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$75per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #9 | Shelby County State Bank Health Savings Account (HSA) 0.75%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$75per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #10 | Show Details | +$70per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0.01 | |
| #11 | The Clay City Banking Co. Health Savings Account Up to0.60%APY Needs at least $25,000 Observed: Oct 7, 2026 Show Details | +$55per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #12 | Show Details | +$55per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #13 | American Bank and Trust Company, National Association Health Savings Account 0.50%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$50per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #14 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #15 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #16 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #17 | Peoples National Bank , N.A. Health Savings Account Up to0.43%APY Needs at least $10,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$43per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #18 | Show Details | +$40per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #19 | Show Details | +$40per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #20 | Hometown National Bank Health Saving Account Up to0.40%APY Needs at least $10,000 Observed: Oct 12, 2026 Show Details | +$40per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #21 | Farmers National Bank Health Savings Account Up to0.35%APY Needs at least $10,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$35per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #22 | HomeBank Health Savings Account Up to0.45%APY Needs at least $25,000 Min. balance: $50 Observed: Oct 7, 2026 Show Details | +$35per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #23 | Show Details | +$35per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #24 | Scott State Bank Health Savings Account Up to0.75%APY Needs at least $50,000 Min. balance: $100 Observed: Oct 7, 2026 Show Details | +$35per yearEffective: 0.35% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #25 | Federated Bank Tiered-Rate HSA Up to0.30%APY Needs at least $1,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #26 | Show Details | +$30per yearEffective: 0.30% | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #27 | Central Bank Illinois Health Savings Account Up to0.25%APY Needs at least $10,000 Observed: Oct 13, 2026 Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #28 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #29 | Peoples Bank of Kankakee County Health Savings Account Up to0.25%APY Needs at least $10,000 Min. balance: $300 Observed: Oct 7, 2026 Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $300 | |
| #30 | The First National Bank of Okawville Health Savings Account Up to0.20%APY Needs at least $5,000 Observed: Oct 7, 2026 Show Details | +$20per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #31 | Washington Savings Bank Health Savings Account Up to0.25%APY Needs at least $10,000.01 Observed: Oct 7, 2026 Show Details | +$20per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #32 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #33 | Constitution Bank, National Association Health Savings Account Up to0.15%APY Needs at least $1,000 Observed: Oct 7, 2026 Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #34 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #35 | Union Federal Savings and Loan Association Health Savings Account (HSA) Up to0.15%APY Needs at least $10,000 Min. balance: $50 Observed: Oct 12, 2026 Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #36 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #37 | First National Bank of Waterloo Health Savings Account 0.10%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0.01 | |
| #38 | Hickory Point Bank and Trust Health Savings Account Up to0.07%APY Needs at least $10,000 Observed: Oct 7, 2026 Show Details | +$7per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #39 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 |
#1
First Security Bank
Health Savings Account
+$350
per year
3.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3698) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#2
The First Trust and Savings Bank of Watseka, Illinois
Health Savings Account
+$325
per year
3.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 10831) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
Official SiteThe First Trust and Savings Bank of Watseka, Illinois
Direct Link to Product Page (Not Sponsored)
#3
First Southern Bank
Health Savings Account
+$202
per year
2.02% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15565) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#4
Petefish, Skiles & Co.
Health Savings
+$202
per year
3.03% APY
Oct 7, 2026
Needs at least $25,000
APY Range: 1.00% – 3.03%
FDIC InsuredNo MinimumsIn-Person Access
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 10829) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#5
Crossroads Bank
Health Savings Account
+$150
per year
1.50% APY
Oct 13, 2026
Needs at least $10,000
APY Range: 0.00% – 1.50%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 21486) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#6
Warren-Boynton State Bank
Health Savings Account
+$146
per year
1.46% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11674) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#7
First Community Bank of Hillsboro
Health Savings Account
+$100
per year
1.00% APY
Oct 7, 2026
Needs at least $1,000
APY Range: 0.10% – 1.00%
FDIC InsuredNo MinimumsIn-Person Access
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34752) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#8
First Federal Savings and Loan Association of Central Illinois, S.B.
Health Savings
+$75
per year
0.75% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29645) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
Official SiteFirst Federal Savings and Loan Association of Central Illinois, S.B.
Direct Link to Product Page (Not Sponsored)
#9
Shelby County State Bank
Health Savings Account (HSA)
+$75
per year
0.75% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
A $15 fee is charged to open the account. A $10 annual fee is deducted each January.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $15 fee to open; $10 annual fee deducted in January of each year |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11702) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#10
Alliance Community Bank
Health Savings Account
+$70
per year
0.70% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $0.01 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 9631) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#11
The Clay City Banking Co.
Health Savings Account
+$55
per year
0.60% APY
Oct 7, 2026
Needs at least $25,000
APY Range: 0.50% – 0.60%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 10845) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#12
The Gerber State Bank
Health Savings Account
+$55
per year
0.55% APY
Oct 7, 2026
Needs at least $10,000
APY Range: 0.05% – 0.55%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 899) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#13
American Bank and Trust Company, National Association
Health Savings Account
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34955) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
Official SiteAmerican Bank and Trust Company, National Association
Direct Link to Product Page (Not Sponsored)
#14
Eureka Savings Bank
Health Savings Account
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28401) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#15
Teutopolis State Bank
HSA's
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11708) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#16
The Havana National Bank
HSA
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The bank charges an annual fee of $15.00 on this account, not a monthly fee, and a $50.00 fee to transfer it to another institution.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | Annual fee of $15.00 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3677) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#17
Peoples National Bank , N.A.
Health Savings Account
+$43
per year
0.43% APY
Oct 7, 2026
Needs at least $10,000
APY Range: 0.38% – 0.43%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3809) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#18
FCB Banks
Health Savings Account (HSA)
+$40
per year
0.40% APY
Oct 12, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 33005) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#19
First Bank Chicago
Health Savings
+$40
per year
0.40% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 17470) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#20
Hometown National Bank
Health Saving Account
+$40
per year
0.40% APY
Oct 12, 2026
Needs at least $10,000
APY Range: 0.10% – 0.40%
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
Must be paired with a high deductible health plan. A $10 annual fee applies.
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3691) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
#21
Farmers National Bank
Health Savings Account
+$35
per year
0.35% APY
Oct 7, 2026
Needs at least $10,000
APY Range: 0.25% – 0.35%
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3732) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#22
HomeBank
Health Savings Account
+$35
per year
0.45% APY
Oct 7, 2026
Needs at least $25,000
APY Range: 0.25% – 0.45%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $50 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14492) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#23
Prairie Community Bank
Health Savings Account
+$35
per year
0.35% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34526) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#24
Scott State Bank
Health Savings Account
+$35
per year
0.75% APY
Oct 7, 2026
Needs at least $50,000
APY Range: 0.05% – 0.75%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8491) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#25
Federated Bank
Tiered-Rate HSA
+$30
per year
0.30% APY
Oct 7, 2026
Needs at least $1,000
APY Range: 0.04% – 0.30%
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 10464) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#26
Liberty Bank
Health Savings Account
+$30
per year
0.60% APY
Oct 7, 2026
Needs at least $15,000.01
APY Range: 0.25% – 0.60%
FDIC InsuredNo MinimumsIn-Person Access
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11719) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#27
Central Bank Illinois
Health Savings Account
+$25
per year
0.25% APY
Oct 13, 2026
Needs at least $10,000
APY Range: 0.05% – 0.25%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11670) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#28
Great Rivers Bank
Health Savings Account (HSA)
+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The bank charges a $25 fee each year on this account.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $25 annual fee |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3762) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#29
Peoples Bank of Kankakee County
Health Savings Account
+$25
per year
0.25% APY
Oct 7, 2026
Needs at least $10,000
APY Range: 0.15% – 0.25%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $300 |
| Min. Balance | $300 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 18566) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#30
The First National Bank of Okawville
Health Savings Account
+$20
per year
0.20% APY
Oct 7, 2026
Needs at least $5,000
APY Range: 0.10% – 0.20%
FDIC InsuredNo MinimumsIn-Person Access
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3826) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#31
Washington Savings Bank
Health Savings Account
+$20
per year
0.25% APY
Oct 7, 2026
Needs at least $10,000.01
APY Range: 0.15% – 0.25%
FDIC InsuredNo MinimumsIn-Person Access
We could not confirm: minimum deposit.
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| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | A monthly service fee of $2.00 will be imposed each month if the minimum balance falls below $500.00. |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29227) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#32
Bank of Pontiac
Health Savings
+$15
per year
0.15% APY
Oct 7, 2026
Needs at least $10,000
APY Range: 0.05% – 0.15%
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
A $25 annual fee applies. There is no monthly service charge.
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| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $25 annual fee; Monthly Service Charge: $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16982) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#33
Constitution Bank, National Association
Health Savings Account
+$15
per year
0.15% APY
Oct 7, 2026
Needs at least $1,000
APY Range: 0.05% – 0.15%
FDIC InsuredLow MinimumsIn-Person Access
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| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16276) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#34
Fidelity Bank & Trust
Health Savings Account
+$15
per year
0.15% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
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| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14382) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#35
Union Federal Savings and Loan Association
Health Savings Account (HSA)
+$15
per year
0.15% APY
Oct 12, 2026
Needs at least $10,000
APY Range: 0.05% – 0.15%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $50 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 27767) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#36
BankOrion
Health Savings Account
+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
Variable rate. The rate can change after the account is open. A service charge applies when the balance falls below $100.
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| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11739) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#37
First National Bank of Waterloo
Health Savings Account
+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access
What to Watch
Variable rate. The rate and APY can change at any time.
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| Min. Deposit | $0.01 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3842) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#38
Hickory Point Bank and Trust
Health Savings Account
+$7
per year
0.07% APY
Oct 7, 2026
Needs at least $10,000
APY Range: 0.01% – 0.07%
FDIC InsuredLow MinimumsIn-Person Access
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| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 22874) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#39
First Bank
Health Savings Account
+$3
per year
0.03% APY
Oct 12, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 12229) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
Nationally Available Health Savings (HSA) Accounts
The 2 highest-rate health savings (hsa) accounts available nationwide, including in Illinois.