Highest Health Savings Account (HSA) Rates in Iowa
29 Iowa-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Iowa Rate:3.30% APYFDIC or NCUA Insured

The Iowa market

Iowa accounts

Institutions

Top Iowa APY

3.30% APY

Nationally: 1.01% APY

FDIC national average

0.37%

As of Sep 2026

29 health savings accounts (HSAs) are open only to Iowa residents, from 29 institutions. The highest advertised APY among them is 3.30%.

The highest nationally available rate is 1.01% APY, 229 basis points below the Iowa leader.

15 of the 29 Iowa health savings accounts (HSAs) advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Iowa-Specific Health Savings (HSA) Accounts

Health Savings (HSA) accounts specifically available to Iowa residents.

#	Institution & Rate	Earned in a year at $10,000	Requirements & Features	Minimum Deposit
#1	The Clinton National Bank CNB Health Savings Up to3.30%APY Needs at least $15,000 Observed: Oct 3, 2026 Show Details	+$305per yearEffective: 3.05%	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#2	Green Belt Bank & Trust Health Savings Account 3.04%APY Observed: Oct 7, 2026 Show Details	+$304per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#3	Iowa State Bank Health Savings Account - Fixed Rate 3.04%APY Observed: Oct 12, 2026 Show Details	+$304per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#4	Connection Bank Health Savings 2.45%APY Observed: Oct 7, 2026 Show Details	+$245per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#5	Peoples Savings Bank Health Savings Account 2.05%APY Observed: Oct 7, 2026 Show Details	+$205per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#6	Mount Vernon Bank and Trust Company Health Savings Account Up to2.50%APY Needs at least $25,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$200per yearEffective: 2.00%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$500
#7	Farmers State Bank Health Savings Account Up to3.00%APY Needs at least $50,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$150per yearEffective: 1.50%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#8	First Nebraska Bank Health Savings Account 1.06%APY Observed: Oct 7, 2026 Show Details	+$106per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#9	Union State Bank Health Savings Account 0.90%APY Observed: Oct 7, 2026 Show Details	+$90per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#10	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 Insured Features No MinimumsIn-Person Access	N/A
#11	Chelsea Savings Bank Health Savings Account Up to1.00%APY Needs at least $50,000 Observed: Oct 7, 2026 Show Details	+$50per yearEffective: 0.50%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#12	Iowa State Bank and Trust Company of Fairfield, Iowa Health Savings 0.50%APY Observed: Oct 13, 2026 Show Details	+$50per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#13	Primebank HSA Checking Up to0.50%APY Needs at least $10,000 Min. balance: $500 Observed: Oct 3, 2026 Show Details	+$50per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#14	Washington State Bank HSA 0.40%APY Observed: Oct 3, 2026 Show Details	+$40per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$200
#15	Marion County State Bank Health Savings Account (HSA) 0.30%APY Observed: Oct 7, 2026 Show Details	+$30per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#16	Bank Plus Health Savings Account Up to0.55%APY Needs at least $75,000.01 Observed: Oct 7, 2026 Show Details	+$25per yearEffective: 0.25%	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#17	Farmers & Merchants Bank & Trust Health Savings 0.25%APY Observed: Oct 7, 2026 Show Details	+$25per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#18	Farmers Trust and Savings Bank Health Savings Account Up to0.35%APY Needs at least $14,999 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$25per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#19	Boone Bank & Trust Co. HSA 0.20%APY Observed: Oct 7, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#20	Nicolet National Bank Health Savings Account (HSA) Up to0.20%APY Needs at least $10,000 Observed: Oct 13, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#21	Exchange State Bank Health Savings Account Up to0.15%APY Needs at least $2,500 Observed: Oct 7, 2026 Show Details	+$15per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#22	Fidelity Bank & Trust Health Savings Account 0.15%APY Observed: Oct 13, 2026 Show Details	+$15per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#23	BankOrion Health Savings Account 0.10%APY Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#24	FreedomBank FreedomBank HSA Up to0.10%APY Needs at least $10,000 Observed: Oct 13, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#25	Lincoln Savings Bank Health Savings 0.10%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$10per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#26	TruBank Health Savings Account 0.10%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#27	Federation Bank HSA Checking 0.05%APY No min. balance for APY Observed: Oct 12, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#28	Premier Bank Health Savings Account Up to0.05%APY Needs at least $25,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$3per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#29	Great Southern Bank Health Savings Account (HSA) 0.02%APY Observed: Oct 7, 2026 Show Details	+$2per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25

The Clinton National Bank

CNB Health Savings

+$305

per year

3.30% APY

Oct 3, 2026

Needs at least $15,000

APY Range: 3.05% – 3.30%

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

Variable rate. The bank can change the rate on this account at its discretion. Interest is paid on the full balance at the rate for the tier that contains the balance.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 4439)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteThe Clinton National Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Green Belt Bank & Trust

Health Savings Account

+$304

per year

3.04% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The stated APY is paid only with electronic statements. Without them the account earns the bank's lower posted rate.

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 26760)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteGreen Belt Bank & Trust

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Iowa State Bank

Health Savings Account - Fixed Rate

+$304

per year

3.04% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15947)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased

+0.29%

Since 30 days ago

Official SiteIowa State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Connection Bank

Health Savings

+$245

per year

2.45% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 955)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased

+0.16%

Since 7 days ago

Official SiteConnection Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Peoples Savings Bank

Health Savings Account

+$205

per year

2.05% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14868)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SitePeoples Savings Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Mount Vernon Bank and Trust Company

Health Savings Account

+$200

per year

2.50% APY

Oct 7, 2026

Needs at least $25,000

APY Range: 1.00% – 2.50%

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account charges a $25.00 setup fee at opening, a $25.00 fee each year, and a $25.00 fee to close it. Electronic statements are free; paper statements cost $3.00 a month plus tax.

Show Fine Print & Trends

Min. Deposit	$500
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10494)
Eligibility	You must be enrolled in a High Deductible Health Plan to open this account.
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteMount Vernon Bank and Trust Company

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Farmers State Bank

Health Savings Account

+$150

per year

3.00% APY

Oct 7, 2026

Needs at least $50,000

APY Range: 0.50% – 3.00%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14209)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteFarmers State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

First Nebraska Bank

Health Savings Account

+$106

per year

1.06% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

A $15 setup fee applies. There is no annual fee.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 12248)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased

+0.06%

Since 7 days ago

Official SiteFirst Nebraska Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Union State Bank

Health Savings Account

+$90

per year

0.90% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14982)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteUnion State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#10

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

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)

Read Bank Overview

#11

Chelsea Savings Bank

Health Savings Account

+$50

per year

1.00% APY

Oct 7, 2026

Needs at least $50,000

APY Range: 0.50% – 1.00%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15427)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteChelsea Savings Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#12

Iowa State Bank and Trust Company of Fairfield, Iowa

Health Savings

+$50

per year

0.50% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14413)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteIowa State Bank and Trust Company of Fairfield, Iowa

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#13

Primebank

HSA Checking

+$50

per year

0.50% APY

Oct 3, 2026

Needs at least $10,000

APY Range: 0.10% – 0.50%

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account can be opened with $100, but balances below $500 earn no interest.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$500
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8101)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SitePrimebank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#14

Washington State Bank

HSA

+$40

per year

0.40% APY

Oct 3, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$200
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 214)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteWashington State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#15

Marion County State Bank

Health Savings Account (HSA)

+$30

per year

0.30% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A custodial fee of $15.00 is charged once a year, each January, rather than each month. Closing the account costs a further $25.00.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	An annual custodial fee of $15.00 is charged each January. An exit fee of $25.00 is charged at account closing.
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15272)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteMarion County State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#16

Bank Plus

Health Savings Account

+$25

per year

0.55% APY

Oct 7, 2026

Needs at least $75,000.01

APY Range: 0.25% – 0.55%

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

Variable rate. The rate can change at any time after the account is opened.

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 16547)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteBank Plus

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#17

Farmers & Merchants Bank & Trust

Health Savings

+$25

per year

0.25% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The monthly service charge does not apply to accounts signed up for e-statements.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 13737)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFarmers & Merchants Bank & Trust

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#18

Farmers Trust and Savings Bank

Health Savings Account

+$25

per year

0.35% APY

Oct 7, 2026

Needs at least $14,999

APY Range: 0.15% – 0.35%

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 12858)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteFarmers Trust and Savings Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#19

Boone Bank & Trust Co.

HSA

+$20

per year

0.20% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 33552)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteBoone Bank & Trust Co.

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#20

Nicolet National Bank

Health Savings Account (HSA)

+$20

per year

0.20% APY

Oct 13, 2026

Needs at least $10,000

APY Range: 0.01% – 0.20%

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $10 set-up fee applies when the account is opened. A $5 monthly fee applies to paper statements.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$5 monthly fee for paper statements.
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57038)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteNicolet National Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#21

Exchange State Bank

Health Savings Account

+$15

per year

0.15% APY

Oct 7, 2026

Needs at least $2,500

APY Range: 0.10% – 0.15%

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	unknown
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10132)
Eligibility	United States
Mobile Ratings
BBB Rating	Not Rated(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Official SiteExchange State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#22

Fidelity Bank & Trust

Health Savings Account

+$15

per year

0.15% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

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

Official SiteFidelity Bank & Trust

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#23

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.

Show Fine Print & Trends

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

Official SiteBankOrion

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#24

FreedomBank

FreedomBank HSA

+$10

per year

0.10% APY

Oct 13, 2026

Needs at least $10,000

APY Range: 0.05% – 0.10%

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 11767)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFreedomBank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#25

Lincoln Savings Bank

Health Savings

+$10

per year

0.10% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14207)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteLincoln Savings Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#26

TruBank

Health Savings Account

+$10

per year

0.10% APY

Oct 13, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 25267)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteTruBank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#27

Federation Bank

HSA Checking

+$5

per year

0.05% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14352)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFederation Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#28

Premier Bank

Health Savings Account

+$3

per year

0.05% APY

Oct 7, 2026

Needs at least $25,000

APY Range: 0.02% – 0.05%

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$0
Maintenance Fee	A monthly maintenance fee of $2.50 will be imposed if the average daily balance for the statement cycle in your HSA Account falls below $1,500.
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 34849)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SitePremier Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#29

Great Southern Bank

Health Savings Account (HSA)

+$2

per year

0.02% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 29546)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted

-0.02%

Since 30 days ago

Official SiteGreat Southern Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Nationally Available Health Savings (HSA) Accounts

The 2 highest-rate health savings (hsa) accounts available nationwide, including in Iowa.

Institution	Product / Term	APY	Min. Deposit
nbkc Bank	Personal Health Saving Account	1.01%	$0
Omb Bank	Health Savings Accountneeds at least $25,000	Up to0.20%	$100

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