Highest Health Savings Account (HSA) Rates in Wisconsin
49 Wisconsin-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Wisconsin Rate:3.00% APYFDIC or NCUA Insured

The Wisconsin market

Wisconsin accounts

Institutions

Top Wisconsin APY

3.00% APY

Nationally: 1.01% APY

FDIC national average

0.37%

As of Sep 2026

49 health savings accounts (HSAs) are open only to Wisconsin residents, from 45 institutions. The highest advertised APY among them is 3.00%.

The highest nationally available rate is 1.01% APY, 199 basis points below the Wisconsin leader.

27 of the 49 Wisconsin health savings accounts (HSAs) advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Wisconsin-Specific Health Savings (HSA) Accounts

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

#	Institution & Rate	Earned in a year at $10,000	Requirements & Features	Minimum Deposit
#1	Northwestern Bank Health Savings Account Up to2.02%APY Needs at least $10,000 Observed: Oct 13, 2026 Show Details	+$202per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#2	The Bank of Brodhead Health Savings Up to3.00%APY Needs at least $15,000 Observed: Oct 7, 2026 Show Details	+$200per yearEffective: 2.00%	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#3	Peoples State Bank of Plainview HSA Savings $20,000+ 1.66%APY Observed: Oct 3, 2026 Show Details	+$166per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#4	GreenLeaf Bank Health Savings Checking Up to1.50%APY Needs at least $10,000 Observed: Oct 3, 2026 Show Details	+$150per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#5	Peoples State Bank of Plainview HSA Savings 1.31%APY Observed: Oct 3, 2026 Show Details	+$131per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#6	Headwaters State Bank Health Savings Account Up to2.02%APY Needs at least $25,000 Observed: Oct 13, 2026 Show Details	+$126per yearEffective: 1.26%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1
#7	State Bank of Newburg Health Money Market 1.26%APY Min. balance: $1,000 Observed: Oct 12, 2026 Show Details	+$126per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1,000
#8	Dairy State Bank Health Savings Account Up to1.11%APY Needs at least $5,000 Min. balance: $500 Observed: Oct 13, 2026 Show Details	+$111per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#9	First State Bank Health Savings Account Up to1.26%APY Needs at least $25,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$101per yearEffective: 1.01%	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#10	Bank of Prairie du Sac Health Savings Account Up to1.00%APY Needs at least $10,000 Min. balance: $2,500 Observed: Oct 7, 2026 Show Details	+$100per year	Deposit Insurance FDIC Insured Requires Mod. Minimum Features In-Person Access	$25
#11	Hiawatha National Bank HSA Checking Up to1.00%APY Needs at least $10,000 Observed: Oct 13, 2026 Show Details	+$100per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#12	Laona State Bank Health Savings Account 1.00%APY Observed: Oct 7, 2026 Show Details	+$100per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#13	Pillar Bank Health Savings Account Up to1.00%APY Needs at least $5,000 Observed: Oct 7, 2026 Show Details	+$100per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#14	State Bank of Newburg Health Savings 1.00%APY Min. balance: $100 Observed: Oct 12, 2026 Show Details	+$100per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#15	The Pineries Bank HSA Restricted Withdrawals 0.75%APY Observed: Oct 7, 2026 Show Details	+$75per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#16	First State Bank and Trust Health Savings Account Up to0.60%APY Needs at least $5,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$60per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1
#17	Ladysmith Federal Savings and Loan Association Health Savings Account Up to0.60%APY Needs at least $3,000 Observed: Oct 7, 2026 Show Details	+$60per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#18	Farmers and Merchants Union Bank Health Savings Up to0.60%APY Needs at least $15,000 Min. balance: $500 Observed: Oct 12, 2026 Show Details	+$50per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$0
#19	Fox Valley Savings Bank Health Savings Account Up to0.50%APY Needs at least $25,000 Observed: Oct 7, 2026 Show Details	+$40per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#20	Horicon Bank Health Savings Account Up to0.45%APY Needs at least $50,000 Observed: Oct 7, 2026 Show Details	+$35per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#21	AbbyBank Health Savings Account Up to0.55%APY Needs at least $25,000 Min. balance: $50 Observed: Oct 7, 2026 Show Details	+$30per yearEffective: 0.30%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#22	Oostburg State Bank Health Savings Up to0.40%APY Needs at least $20,000 Observed: Oct 7, 2026 Show Details	+$30per yearEffective: 0.30%	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#23	Ergo Bank Health Savings Account Up to0.30%APY Needs at least $15,000.01 Observed: Oct 7, 2026 Show Details	+$25per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#24	IncredibleBank HSA Up to0.45%APY Needs at least $25,000 Observed: Oct 7, 2026 Show Details	+$25per yearEffective: 0.25%	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#25	Johnson Bank Health Savings Account Up to0.45%APY Needs at least $25,000 Observed: Oct 7, 2026 Show Details	+$25per yearEffective: 0.25%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#26	Spring Bank Health Savings Account (HSA) Up to0.25%APY Needs at least $10,000 No min. balance for APY Observed: Oct 12, 2026 Show Details	+$25per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#27	The Farmers & Merchants Bank Health Savings Account Up to0.60%APY Needs at least $15,000 Min. balance: $600 Observed: Oct 13, 2026 Show Details	+$25per yearEffective: 0.25%	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	N/A
#28	The Peshtigo National Bank Health Savings Account Up to0.35%APY Needs at least $20,000 Observed: Oct 13, 2026 Show Details	+$25per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#29	The Port Washington State Bank Health Savings Account Up to0.32%APY Needs at least $15,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$22per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#30	Bank of Deerfield Health Savings Account Up to0.20%APY Needs at least $5,000 Observed: Oct 13, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#31	Citizens Bank Health Savings Account Up to1.50%APY Needs at least $100,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$20per yearEffective: 0.20%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#32	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
#33	The First National Bank of River Falls Health Savings Account Up to0.20%APY Needs at least $5,000 Observed: Oct 7, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#34	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
#35	Prevail Bank Health Savings (HSA) Checking Account Up to0.25%APY Needs at least $25,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$15per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#36	PyraMax Bank, FSB Health Savings Account Up to0.15%APY Needs at least $10,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$15per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#37	Union Federal Savings and Loan Association Health Savings Account (HSA) Up to0.15%APY Needs at least $10,000 Min. balance: $50 Observed: Oct 12, 2026 Show Details	+$15per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#38	FORTE BANK Health Savings Account Up to0.10%APY Needs at least $10,000 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
#39	FORTE BANK Business Health Savings Account Up to0.10%APY Needs at least $10,000 No min. balance for APY Observed: Oct 9, 2026 Show Details	+$10per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#40	Marathon Bank Health Savings Account Up to0.10%APY Needs at least $500 Min. balance: $500 Observed: Oct 7, 2026 Show Details	+$10per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	N/A
#41	Peoples State Bank Health Savings Account 0.10%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#42	The Pineries Bank HSA Now Checking 0.10%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
#43	Woodford State Bank Health Savings Account Up to0.10%APY Needs at least $10,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0.01
#44	First Citizens State Bank HSA Checking 0.05%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$5per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#45	Forward Bank Health Savings Account 0.05%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#46	National Exchange Bank and Trust Health Savings Account Up to0.10%APY Needs at least $100,000 Observed: Oct 7, 2026 Show Details	+$5per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppIn-Person Access	N/A
#47	Paper City Savings Bank, S.A. Health Savings Account Up to0.05%APY Needs at least $2,500 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#48	The Farmers State Bank of Waupaca Health Savings Account Up to2.00%APY Needs at least $50,000 Observed: Oct 7, 2026 Show Details	+$5per yearEffective: 0.05%	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#49	The Park Bank Health Savings Account Up to0.01%APY Needs at least $1,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$1per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0

Northwestern Bank

Health Savings Account

+$202

per year

2.02% APY

Oct 13, 2026

Needs at least $10,000

APY Range: 1.46% – 2.02%

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A one-time account set-up fee of $25.00 is charged in addition to the opening deposit. Overdraft protection is not available, and an overdraft is returned with a $35.00 handling fee.

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 2468)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteNorthwestern Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

The Bank of Brodhead

Health Savings

+$200

per year

3.00% APY

Oct 7, 2026

Needs at least $15,000

APY Range: 1.00% – 3.00%

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: 2455)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteThe Bank of Brodhead

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Peoples State Bank of Plainview

HSA Savings $20,000+

+$166

per year

1.66% APY

Oct 3, 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: 1100)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days

Official SitePeoples State Bank of Plainview

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

GreenLeaf Bank

Health Savings Checking

+$150

per year

1.50% APY

Oct 3, 2026

Needs at least $10,000

APY Range: 0.05% – 1.50%

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	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 12661)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteGreenLeaf Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Peoples State Bank of Plainview

HSA Savings

+$131

per year

1.31% APY

Oct 3, 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: 1100)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days

Official SitePeoples State Bank of Plainview

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Headwaters State Bank

Health Savings Account

+$126

per year

2.02% APY

Oct 13, 2026

Needs at least $25,000

APY Range: 0.50% – 2.02%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 9035)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteHeadwaters State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

State Bank of Newburg

Health Money Market

+$126

per year

1.26% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1,000
Min. Balance	$1,000
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 9529)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteState Bank of Newburg

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Dairy State Bank

Health Savings Account

+$111

per year

1.11% APY

Oct 13, 2026

Needs at least $5,000

APY Range: 0.10% – 1.11%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$500
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 17162)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteDairy State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

First State Bank

Health Savings Account

+$101

per year

1.26% APY

Oct 7, 2026

Needs at least $25,000

APY Range: 0.50% – 1.26%

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15271)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteFirst State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#10

Bank of Prairie du Sac

Health Savings Account

+$100

per year

1.00% APY

Oct 7, 2026

Needs at least $10,000

APY Range: 0.50% – 1.00%

FDIC InsuredMod. MinimumIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$2,500
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14660)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteBank of Prairie du Sac

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#11

Hiawatha National Bank

HSA Checking

+$100

per year

1.00% APY

Oct 13, 2026

Needs at least $10,000

APY Range: 0.40% – 1.00%

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	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 13058)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteHiawatha National Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#12

Laona State Bank

Health Savings Account

+$100

per year

1.00% 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	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 11601)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteLaona State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#13

Pillar Bank

Health Savings Account

+$100

per year

1.00% APY

Oct 7, 2026

Needs at least $5,000

APY Range: 0.05% – 1.00%

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	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 5336)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SitePillar Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#14

State Bank of Newburg

Health Savings

+$100

per year

1.00% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 9529)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteState Bank of Newburg

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#15

The Pineries Bank

HSA Restricted Withdrawals

+$75

per year

0.75% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

Withdrawals are limited to one each month. Each additional withdrawal is charged $20.00. The account can have checks but no debit card.

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: 9526)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteThe Pineries Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#16

First State Bank and Trust

Health Savings Account

+$60

per year

0.60% APY

Oct 7, 2026

Needs at least $5,000

APY Range: 0.15% – 0.60%

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

An annual service charge covers administration of the account. The bank states the amount in its fee schedule.

Show Fine Print & Trends

Min. Deposit	$1
Min. Balance	$0
Maintenance Fee	There is a minimal annual service charge to cover administration of your account.
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10159)
Eligibility	Requires coverage by a high deductible health plan. Not available to a person enrolled in Medicare or claimed as a dependent on another person's tax return.
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFirst State Bank and Trust

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#17

Ladysmith Federal Savings and Loan Association

Health Savings Account

+$60

per year

0.60% APY

Oct 7, 2026

Needs at least $3,000

APY Range: 0.20% – 0.60%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	N/A
Maintenance Fee	$5 monthly if the daily balance drops below $50
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 28983)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteLadysmith Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#18

Farmers and Merchants Union Bank

Health Savings

+$50

per year

0.60% APY

Oct 12, 2026

Needs at least $15,000

APY Range: 0.30% – 0.60%

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The rate can change after the account is opened.

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$500
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14445)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteFarmers and Merchants Union Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#19

Fox Valley Savings Bank

Health Savings Account

+$40

per year

0.50% APY

Oct 7, 2026

Needs at least $25,000

APY Range: 0.00% – 0.50%

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: 29188)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteFox Valley Savings Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#20

Horicon Bank

Health Savings Account

+$35

per year

0.45% APY

Oct 7, 2026

Needs at least $50,000

APY Range: 0.05% – 0.45%

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: 11236)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteHoricon Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#21

AbbyBank

Health Savings Account

+$30

per year

0.55% APY

Oct 7, 2026

Needs at least $25,000

APY Range: 0.15% – 0.55%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$50
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 19795)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteAbbyBank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#22

Oostburg State Bank

Health Savings

+$30

per year

0.40% APY

Oct 7, 2026

Needs at least $20,000

APY Range: 0.05% – 0.40%

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

A $20 fee is charged to open the account.

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10380)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteOostburg State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#23

Ergo Bank

Health Savings Account

+$25

per year

0.30% APY

Oct 7, 2026

Needs at least $15,000.01

APY Range: 0.01% – 0.30%

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: 10004)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteErgo Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#24

IncredibleBank

HSA

+$25

per year

0.45% APY

Oct 7, 2026

Needs at least $25,000

APY Range: 0.00% – 0.45%

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: 19772)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteIncredibleBank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#25

Johnson Bank

Health Savings Account

+$25

per year

0.45% APY

Oct 7, 2026

Needs at least $25,000

APY Range: 0.01% – 0.45%

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: 20296)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteJohnson Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#26

Spring Bank

Health Savings Account (HSA)

+$25

per year

0.25% APY

Oct 12, 2026

Needs at least $10,000

APY Range: 0.10% – 0.25%

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 58780)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteSpring Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#27

The Farmers & Merchants Bank

Health Savings Account

+$25

per year

0.60% APY

Oct 13, 2026

Needs at least $15,000

APY Range: 0.05% – 0.60%

FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$600
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15779)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteThe Farmers & Merchants Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#28

The Peshtigo National Bank

Health Savings Account

+$25

per year

0.35% APY

Oct 13, 2026

Needs at least $20,000

APY Range: 0.10% – 0.35%

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

A $15 administrative fee applies to open the account.

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: 5317)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteThe Peshtigo National Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#29

The Port Washington State Bank

Health Savings Account

+$22

per year

0.32% APY

Oct 7, 2026

Needs at least $15,000

APY Range: 0.02% – 0.32%

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $35 fee applies if the account is closed within 120 days of opening.

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8698)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteThe Port Washington State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#30

Bank of Deerfield

Health Savings Account

+$20

per year

0.20% APY

Oct 13, 2026

Needs at least $5,000

APY Range: 0.10% – 0.20%

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: 2477)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteBank of Deerfield

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#31

Citizens Bank

Health Savings Account

+$20

per year

1.50% APY

Oct 7, 2026

Needs at least $100,000

APY Range: 0.20% – 1.50%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 13055)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteCitizens Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#32

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

#33

The First National Bank of River Falls

Health Savings Account

+$20

per year

0.20% APY

Oct 7, 2026

Needs at least $5,000

APY Range: 0.05% – 0.20%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 5364)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteThe First National Bank of River Falls

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#34

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

#35

Prevail Bank

Health Savings (HSA) Checking Account

+$15

per year

0.25% APY

Oct 7, 2026

Needs at least $25,000

APY Range: 0.05% – 0.25%

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: 29294)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SitePrevail Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#36

PyraMax Bank, FSB

Health Savings Account

+$15

per year

0.15% APY

Oct 7, 2026

Needs at least $10,000

APY Range: 0.10% – 0.15%

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: 29120)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SitePyraMax Bank, FSB

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#37

Union Federal Savings and Loan Association

Health Savings Account (HSA)

+$15

per year

0.15% APY

Oct 12, 2026

Needs at least $10,000

APY Range: 0.05% – 0.15%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$50
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 27767)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteUnion Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#38

FORTE BANK

Health Savings Account

+$10

per year

0.10% APY

Oct 7, 2026

Needs at least $10,000

APY Range: 0.05% – 0.10%

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: 5297)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFORTE BANK

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#39

FORTE BANK

Business Health Savings Account

+$10

per year

0.10% APY

Oct 9, 2026

Needs at least $10,000

APY Range: 0.05% – 0.10%

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: 5297)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFORTE BANK

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#40

Marathon Bank

Health Savings Account

+$10

per year

0.10% APY

Oct 7, 2026

Needs at least $500

APY Range: 0.00% – 0.10%

FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$500
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 29745)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteMarathon Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#41

Peoples State Bank

Health Savings Account

+$10

per year

0.10% APY

Oct 7, 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: 18569)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SitePeoples State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#42

The Pineries Bank

HSA Now Checking

+$10

per year

0.10% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The monthly maintenance fee is waived for the first 12 months after the account is opened.

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: 9526)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteThe Pineries Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#43

Woodford State Bank

Health Savings Account

+$10

per year

0.10% APY

Oct 7, 2026

Needs at least $10,000

APY Range: 0.05% – 0.10%

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0.01
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10011)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days

Official SiteWoodford State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#44

First Citizens State Bank

HSA Checking

+$5

per year

0.05% 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	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 11228)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFirst Citizens State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#45

Forward Bank

Health Savings Account

+$5

per year

0.05% 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: 28530)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteForward Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#46

National Exchange Bank and Trust

Health Savings Account

+$5

per year

0.10% APY

Oct 7, 2026

Needs at least $100,000

APY Range: 0.05% – 0.10%

FDIC InsuredNo MinimumsGreat iOS AppIn-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: 10044)
Eligibility	United States
Mobile Ratings	iOS:4.3 Android:3.6
BBB Rating

Rate Stability

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

Official SiteNational Exchange Bank and Trust

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#47

Paper City Savings Bank, S.A.

Health Savings Account

+$5

per year

0.05% APY

Oct 7, 2026

Needs at least $2,500

APY Range: 0.01% – 0.05%

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: 29676)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SitePaper City Savings Bank, S.A.

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#48

The Farmers State Bank of Waupaca

Health Savings Account

+$5

per year

2.00% APY

Oct 7, 2026

Needs at least $50,000

APY Range: 0.00% – 2.00%

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: 13033)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteThe Farmers State Bank of Waupaca

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#49

The Park Bank

Health Savings Account

+$1

per year

0.01% APY

Oct 7, 2026

Needs at least $1,000

APY Range: 0.00% – 0.01%

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 19608)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteThe Park 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 Wisconsin.

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

See the full national list