Highest Health Savings Account (HSA) Rates in New York
10 New York-specific products
The New York market
New York accounts
10
Institutions
10
Top New York APY
2.00% APY
Nationally: 1.01% APY
FDIC national average
0.38%
As of Oct 2026
10 health savings accounts (HSAs) are open only to New York residents, from 10 institutions. The highest advertised APY among them is 2.00%.
The highest nationally available rate is 1.01% APY, 99 basis points below the New York leader.
3 of the 10 New York health savings accounts (HSAs) advertise more than the FDIC national average of 0.38% for savings accounts as of Oct 2026.
New York-Specific Health Savings (HSA) Accounts
Health Savings (HSA) accounts specifically available to New York residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Bank of Utica Health Savings Up to2.00%APY Needs at least $5,000,000.01 Min. balance: $1 Observed: Oct 17, 2026 Show Details | +$100per yearEffective: 1.00% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #2 | The Adirondack Trust Company Health Savings Account 1.00%APY No min. balance for APY Observed: Oct 14, 2026 Show Details | +$100per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #3 | First National Bank of Scotia Health Savings Account Up to0.61%APY Needs at least $10,000 Observed: Oct 14, 2026 Show Details | +$61per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #4 | Pathfinder Bank Health Savings Account Up to0.30%APY Needs at least $50,000 Min. balance: $100 Observed: Oct 21, 2026 Show Details | +$15per yearEffective: 0.15% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #5 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #6 | Watertown Savings Bank Health Savings Account (HSA) Up to0.10%APY Needs at least $5,000 Min. balance: $100 Observed: Oct 21, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #7 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #8 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #9 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #10 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 |
Bank of Utica
Health Savings
Needs at least $5,000,000.01
What to Watch
If the average available balance is more than $5 million, the stated APY is paid on the first $5 million and the balance above $5 million earns a different rate.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13397) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
The Adirondack Trust Company
Health Savings Account
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 660) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First National Bank of Scotia
Health Savings Account
Needs at least $10,000
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 | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11501) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Pathfinder Bank
Health Savings Account
Needs at least $50,000
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: 57497) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
The First Bank of Greenwich
Health Savings Account
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: 58307) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Watertown Savings Bank
Health Savings Account (HSA)
Needs at least $5,000
What to Watch
Transfers are not permitted on this account.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15990) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of Holland
Health Savings
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: 1464) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Champlain National Bank
Health Savings Account
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: 7356) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Solvay Bank
HSA Accounts
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: 13297) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Patriot Bank, National Association
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: 33928) |
| 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 New York.