Highest Health Savings Account (HSA) Rates in Nebraska
26 Nebraska-specific products
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.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$200per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #2 | Show Details | +$175per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #3 | Adams State Bank Health Savings Account Up to1.26%APY Needs at least $5,000 No min. balance for APY Observed: Oct 13, 2026 Show Details | +$126per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #4 | Union Bank and Trust Company Health Savings Account Up to1.46%APY Needs at least $25,000 Observed: Oct 13, 2026 Show Details | +$126per yearEffective: 1.26% | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #5 | First State Bank Nebraska HSA Account Up to1.25%APY Needs at least $5,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$125per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #6 | Show Details | +$115per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #7 | Show Details | +$106per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #8 | FirstBank of Nebraska Health Savings Account Up to1.51%APY Needs at least $100,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$100per yearEffective: 1.00% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #9 | Lincoln FSB of Nebraska Health Savings Account Up to1.75%APY Needs at least $50,000.01 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$100per yearEffective: 1.00% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #10 | Show Details | +$100per year | Deposit Insurance FDIC InsuredRequires Direct Deposit ReqLinked Account Features No MinimumsIn-Person Access | $0 | |
| #11 | Show Details | +$90per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #12 | Nebraska State Bank and Trust Company Health Savings Account Up to0.75%APY Needs at least $5,000 Observed: Oct 7, 2026 Show Details | +$75per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #13 | Dundee Bank Health Savings Account Up to1.50%APY Needs at least $100,000 No min. balance for APY Observed: Oct 13, 2026 Show Details | +$65per yearEffective: 0.65% | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #14 | Show Details | +$60per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #15 | Show Details | +$60per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #16 | Show Details | +$55per yearEffective: 0.55% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #17 | Thayer County Bank Health Savings Account Up to1.00%APY Needs at least $75,000 No min. balance for APY Observed: Oct 13, 2026 Show Details | +$51per yearEffective: 0.51% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #18 | Access Bank Health Savings Up to0.30%APY Needs at least $5,000 Min. balance: $1,000 Observed: Oct 13, 2026 Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $0 | |
| #19 | First National Bank in Ord Health Savings Account Up to0.25%APY Needs at least $5,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #20 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #21 | United Republic Bank Health Savings Up to0.25%APY Needs at least $25,000 No min. balance for APY Observed: Oct 5, 2026 Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $250 | |
| #22 | Show Details | +$15per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #23 | Show Details | +$10per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #24 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #25 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $20 | |
| #26 | Show Details | +$2per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 |
First Tri County Bank
Health Savings Account
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: 8333) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Henderson State Bank
Health Savings Account
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 17229) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Adams State Bank
Health Savings Account
Needs at least $5,000
What to Watch
Variable rate. The rate can change after opening.
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: 9812) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Union Bank and Trust Company
Health Savings Account
Needs at least $25,000
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: 13421) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
First State Bank Nebraska
HSA Account
Needs at least $5,000
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: 13868) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Pathway Bank
Health Savings Account
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 1992) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Nebraska Bank
Health Savings Account
What to Watch
A $15 setup fee applies. There is no annual fee.
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: 12248) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
FirstBank of Nebraska
Health Savings Account
Needs at least $100,000
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: 5486) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Lincoln FSB of Nebraska
Health Savings Account
Needs at least $50,000.01
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29692) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
West Gate Bank
Health Savings Account
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 Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Required (See terms) |
| Deposit Insurance | FDIC Insured(Cert: 19850) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Brunswick State Bank
HSA Savings Account
What to Watch
Each withdrawal beyond two in a month costs $1.00.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $50 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13692) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Nebraska State Bank and Trust Company
Health Savings Account
Needs at least $5,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8322) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Dundee Bank
Health Savings Account
Needs at least $100,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 10643) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Madison County Bank
Health Savings Account
Needs at least $2,500
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: 31999) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Town & Country Bank
Health Savings
Needs at least $5,000
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: 1434) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
JONES BANK
Health Savings Account
Needs at least $50,000
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: 5473) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Thayer County Bank
Health Savings Account
Needs at least $75,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11475) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Access Bank
Health Savings
Needs at least $5,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58727) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First National Bank in Ord
Health Savings Account
Needs at least $5,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 5460) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Nebraska Bank
Health Savings Account
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: 16116) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
United Republic Bank
Health Savings
Needs at least $25,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $250 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58359) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Citizens Bank & Trust Company
Health Savings Account
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: 5469) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Farmers and Merchants Bank
Health Savings
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 Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16810) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Westroads Bank, Inc.
HSA
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 Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19742) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Wahoo State Bank
Health Savings Account
Needs at least $100,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $20 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 1163) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Great Southern Bank
Health Savings Account (HSA)
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: 29546) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Nationally Available Health Savings (HSA) Accounts
The 2 highest-rate health savings (hsa) accounts available nationwide, including in Nebraska.