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Highest Health Savings Account (HSA) Rates in Nebraska
26 Nebraska-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Nebraska Rate:2.05%

The Nebraska market

Nebraska accounts

26

Institutions

26

Top Nebraska APY

2.05% APY

Nationally: 1.01% APY

FDIC national average

0.37%

As of Sep 2026

26 health savings accounts (HSAs) are open only to Nebraska residents, from 26 institutions. The highest advertised APY among them is 2.05%.

The highest nationally available rate is 1.01% APY, 104 basis points below the Nebraska leader.

17 of the 26 Nebraska health savings accounts (HSAs) advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Nebraska-Specific Health Savings (HSA) Accounts

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

#1

First Tri County Bank

Health Savings Account

+$200
per year
2.00% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 8333)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Tri County Bank

Direct Link to Product Page (Not Sponsored)

#2

Henderson State Bank

Health Savings Account

+$175
per year
1.75% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 17229)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteHenderson State Bank

Direct Link to Product Page (Not Sponsored)

#3

Adams State Bank

Health Savings Account

+$126
per year
1.26% APY
Oct 13, 2026

Needs at least $5,000

APY Range: 0.50% – 1.26%
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

Variable rate. The rate can change after opening.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9812)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased
+0.26%
Since 7 days ago
Official SiteAdams State Bank

Direct Link to Product Page (Not Sponsored)

#4

Union Bank and Trust Company

Health Savings Account

+$126
per year
1.46% APY
Oct 13, 2026

Needs at least $25,000

APY Range: 0.10% – 1.46%
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13421)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteUnion Bank and Trust Company

Direct Link to Product Page (Not Sponsored)

#5

First State Bank Nebraska

HSA Account

+$125
per year
1.25% APY
Oct 7, 2026

Needs at least $5,000

APY Range: 0.25% – 1.25%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13868)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst State Bank Nebraska

Direct Link to Product Page (Not Sponsored)

#6

Pathway Bank

Health Savings Account

+$115
per year
1.15% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1992)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased
+0.15%
Since 30 days ago
Official SitePathway Bank

Direct Link to Product Page (Not Sponsored)

#7

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. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12248)
EligibilityUnited 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)

#8

FirstBank of Nebraska

Health Savings Account

+$100
per year
1.51% APY
Oct 7, 2026

Needs at least $100,000

APY Range: 0.50% – 1.51%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5486)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteFirstBank of Nebraska

Direct Link to Product Page (Not Sponsored)

#9

Lincoln FSB of Nebraska

Health Savings Account

+$100
per year
1.75% APY
Oct 7, 2026

Needs at least $50,000.01

APY Range: 1.00% – 1.75%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29692)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteLincoln FSB of Nebraska

Direct Link to Product Page (Not Sponsored)

#10

West Gate Bank

Health Savings Account

+$100
per year
1.00% APY
Oct 7, 2026
FDIC InsuredDirect Deposit ReqLinked AccountNo MinimumsIn-Person Access

What to Watch

The stated APY requires a West Gate Bank checking account with direct deposit. The APY is lower without one.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound Freqmonthly
Direct DepositRequired (See terms)
Deposit InsuranceFDIC Insured(Cert: 19850)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteWest Gate Bank

Direct Link to Product Page (Not Sponsored)

#11

Brunswick State Bank

HSA Savings Account

+$90
per year
0.90% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Each withdrawal beyond two in a month costs $1.00.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$50
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13692)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBrunswick State Bank

Direct Link to Product Page (Not Sponsored)

#12

Nebraska State Bank and Trust Company

Health Savings Account

+$75
per year
0.75% APY
Oct 7, 2026

Needs at least $5,000

APY Range: 0.45% – 0.75%
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 8322)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteNebraska State Bank and Trust Company

Direct Link to Product Page (Not Sponsored)

#13

Dundee Bank

Health Savings Account

+$65
per year
1.50% APY
Oct 13, 2026

Needs at least $100,000

APY Range: 0.50% – 1.50%
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 10643)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteDundee Bank

Direct Link to Product Page (Not Sponsored)

#14

Madison County Bank

Health Savings Account

+$60
per year
0.60% APY
Oct 7, 2026

Needs at least $2,500

APY Range: 0.30% – 0.60%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 31999)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMadison County Bank

Direct Link to Product Page (Not Sponsored)

#15

Town & Country Bank

Health Savings

+$60
per year
0.60% APY
Oct 7, 2026

Needs at least $5,000

APY Range: 0.05% – 0.60%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1434)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteTown & Country Bank

Direct Link to Product Page (Not Sponsored)

#16

JONES BANK

Health Savings Account

+$55
per year
2.05% APY
Oct 7, 2026

Needs at least $50,000

APY Range: 0.35% – 2.05%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5473)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteJONES BANK

Direct Link to Product Page (Not Sponsored)

#17

Thayer County Bank

Health Savings Account

+$51
per year
1.00% APY
Oct 13, 2026

Needs at least $75,000

APY Range: 0.10% – 1.00%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11475)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteThayer County Bank

Direct Link to Product Page (Not Sponsored)

#18

Access Bank

Health Savings

+$30
per year
0.30% APY
Oct 13, 2026

Needs at least $5,000

APY Range: 0.00% – 0.30%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$1,000
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58727)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteAccess Bank

Direct Link to Product Page (Not Sponsored)

#19

First National Bank in Ord

Health Savings Account

+$25
per year
0.25% APY
Oct 7, 2026

Needs at least $5,000

APY Range: 0.15% – 0.25%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5460)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst National Bank in Ord

Direct Link to Product Page (Not Sponsored)

#20

Nebraska Bank

Health Savings Account

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16116)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteNebraska Bank

Direct Link to Product Page (Not Sponsored)

#21

United Republic Bank

Health Savings

+$20
per year
0.25% APY
Oct 5, 2026

Needs at least $25,000

APY Range: 0.05% – 0.25%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$250
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58359)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteUnited Republic Bank

Direct Link to Product Page (Not Sponsored)

#22

Citizens Bank & Trust Company

Health Savings Account

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5469)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCitizens Bank & Trust Company

Direct Link to Product Page (Not Sponsored)

#23

Farmers and Merchants Bank

Health Savings

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The monthly fee is waived for accounts enrolled in internet banking or e-mailed statements. There is no daily balance requirement.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16810)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFarmers and Merchants Bank

Direct Link to Product Page (Not Sponsored)

#24

First Westroads Bank, Inc.

HSA

+$10
per year
0.10% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

Variable rate. The APY can change without notice. Available to account holders enrolled in a high deductible health plan.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19742)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst Westroads Bank, Inc.

Direct Link to Product Page (Not Sponsored)

#25

Wahoo State Bank

Health Savings Account

+$5
per year
0.10% APY
Oct 7, 2026

Needs at least $100,000

APY Range: 0.05% – 0.10%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$20
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1163)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteWahoo State Bank

Direct Link to Product Page (Not Sponsored)

#26

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. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29546)
EligibilityUnited 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)

Nationally Available Health Savings (HSA) Accounts

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

InstitutionProduct / Term
nbkc Bank
Personal Health Saving Account
1.01%
Omb Bank
Health Savings Accountneeds at least $25,000
Up to0.20%

See the full national list