Highest Health Savings Account (HSA) Rates in Indiana
11 Indiana-specific products
Top Indiana Rate:1.50% APYFDIC or NCUA Insured
The Indiana market
Indiana accounts
12
Institutions
12
Top Indiana APY
1.50% APY
Nationally: 1.01% APY
FDIC national average
0.37%
As of Sep 2026
12 health savings accounts (HSAs) are open only to Indiana residents, from 12 institutions. The highest advertised APY among them is 1.50%.
The highest nationally available rate is 1.01% APY, 49 basis points below the Indiana leader.
5 of the 12 Indiana health savings accounts (HSAs) advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Indiana-Specific Health Savings (HSA) Accounts
Health Savings (HSA) accounts specifically available to Indiana residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Fowler State Bank Healthcare Savings Account Up to1.00%APY Needs at least $10,000 Min. balance: $1,000 Observed: Oct 7, 2026 Show Details | +$100per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #2 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #3 | Hendricks County Bank and Trust Company Health Savings Account Up to0.50%APY Needs at least $10,000 Observed: Oct 7, 2026 Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #4 | Show Details | +$50per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A | |
| #5 | Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #6 | First Federal Savings Bank Health Savings Account Up to1.50%APY Needs at least $75,001 No min. balance for APY Observed: Oct 3, 2026 Show Details | +$25per yearEffective: 0.25% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #7 | First Internet Bank of Indiana Health Savings Account 0.15%APY No min. balance for APY Observed: Oct 13, 2026 Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures No Minimums | $0 | |
| #8 | Wayne Bank and Trust Co. Health Savings Account Up to0.15%APY Needs at least $2,500 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #9 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #10 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #11 | The Campbell & Fetter Bank Health Savings Account Up to0.10%APY Needs at least $10,000 Observed: Oct 7, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 |
#1
Fowler State Bank
Healthcare Savings Account
+$100
per year
1.00% APY
Oct 7, 2026
Needs at least $10,000
APY Range: 0.00% – 1.00%
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The bank does not publish the service fee for this account. The amount has to be requested from the bank.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $1,000 |
| Maintenance Fee | Service Fee - Contact Bank |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 1821) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#2
Freedom Bank
Health Savings Account
+$50
per year
0.50% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35221) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#3
Hendricks County Bank and Trust Company
Health Savings Account
+$50
per year
0.50% APY
Oct 7, 2026
Needs at least $10,000
APY Range: 0.10% – 0.50%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13111) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#4
The Friendship State Bank
Health Savings Account
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $250 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13130) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#5
First Federal Savings Bank of Angola
Health Savings Account (HSA)
+$30
per year
0.30% 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 | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28769) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#6
First Federal Savings Bank
Health Savings Account
+$25
per year
1.50% APY
Oct 3, 2026
Needs at least $75,001
APY Range: 0.25% – 1.50%
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The opening minimum deposit and the monthly service charge are waived for group enrollment.
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0 |
| Maintenance Fee | $2 monthly service charge if the balance falls below $2,500. |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29056) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#7
First Internet Bank of Indiana
Health Savings Account
+$15
per year
0.15% APY
Oct 13, 2026
FDIC InsuredNo Minimums
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34607) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#8
Wayne Bank and Trust Co.
Health Savings Account
+$15
per year
0.15% APY
Oct 7, 2026
Needs at least $2,500
APY Range: 0.07% – 0.15%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 1849) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#9
Bank of Wolcott
Health Savings Account
+$10
per year
0.10% 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 | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16201) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#10
First State Bank of Porter
Health Savings Account
+$10
per year
0.10% 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: 12836) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#11
The Campbell & Fetter Bank
Health Savings Account
+$10
per year
0.10% APY
Oct 7, 2026
Needs at least $10,000
APY Range: 0.00% – 0.10%
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
Balances under $1,000 earn no interest.
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: 16757) |
| 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 Indiana.