Highest Health Savings Account (HSA) Rates in Pennsylvania
9 Pennsylvania-specific products
The Pennsylvania market
Pennsylvania accounts
10
Institutions
9
Top Pennsylvania APY
1.41% APY
Nationally: 1.01% APY
FDIC national average
0.37%
As of Sep 2026
10 health savings accounts (HSAs) are open only to Pennsylvania residents, from 9 institutions. The highest advertised APY among them is 1.41%.
The highest nationally available rate is 1.01% APY, 40 basis points below the Pennsylvania leader.
1 of the 10 Pennsylvania health savings accounts (HSAs) advertises more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Pennsylvania-Specific Health Savings (HSA) Accounts
Health Savings (HSA) accounts specifically available to Pennsylvania residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$141per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #2 | Show Details | +$35per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #3 | Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #4 | Clarion County Community Bank HSA Checking Up to0.20%APY Needs at least $20,000.01 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #5 | Clarion County Community Bank HSA Investment Up to0.25%APY Needs at least $20,000.01 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #6 | Kish Bank Health Savings Account Up to0.20%APY Needs at least $15,000 Min. balance: $100 Observed: Oct 7, 2026 Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #7 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #8 | Milton Savings Bank Health Savings Account Up to0.10%APY Needs at least $200 Min. balance: $200 Observed: Oct 7, 2026 Show Details | +$10per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A | |
| #9 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 |
Enterprise Bank
Simplicity Consumer HSA
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: 34786) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
QNB Bank
Individual/Family 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: 7714) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Orrstown Bank
Health Savings Account
Needs at least $10,000
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: 713) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Clarion County Community Bank
HSA Checking
Needs at least $20,000.01
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: 57624) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Clarion County Community Bank
HSA Investment
Needs at least $20,000.01
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: 57624) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Kish Bank
Health Savings Account
Needs at least $15,000
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: 14969) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Hometown Bank of Pennsylvania
Health Savings Account
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $25 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58470) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Milton Savings Bank
Health Savings Account
Needs at least $200
What to Watch
A monthly service charge applies in any month the average daily balance falls below $200.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $200 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28637) |
| Eligibility | Available to anyone enrolled in a high deductible health plan as of the first day of the month. |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
United Savings Bank
Health Savings Account
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28836) |
| 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 Pennsylvania.