Every health savings account cash rate we can verify, in one comparison table — checked monthly, sources cited, no affiliate rankings.
Last checked: October 2026 · Rate table refreshed monthly
HSA cash rates are all over the place: from 0.01% to over 3.5% APY.
The same dollar sitting in two different HSAs can earn 300× more interest in the better one. Big brokerage cash sweeps pay around 2%; some credit unions pay 3%+ on tiered balances; plenty of bank HSAs still pay effectively nothing. Check your own rate against the table below — then check it every year.
| Provider | Cash rate (APY) | Notes |
|---|---|---|
| Provident Credit Union — HSA Add-on | 3.251% – 3.735% | Tiered, 12-month add-on structure; credit union |
| Fidelity — HSA cash interest | 1.94% – 1.96% | Tiered sweep rate; no minimum, no monthly fee |
| NASA Federal Credit Union — HSA | 0.35% – 0.55% | Tiered by balance |
| Custer Federal State Bank — HSA | 0.10% – 0.20% | Small-bank tiered example |
| HealthEquity | varies by state | Published in your account's interest rate schedule |
| HSA Bank, Optum, Lively & most bank HSAs | often 0.01% – 0.55% | Verify on your provider's rate sheet — this is where the dead money hides |
These are the rates we could verify from provider rate sheets this month. We list only numbers we can source, so some large administrators appear with "varies" rather than a guess — their published schedules depend on your state and account type.
The highest verifiable HSA cash rates this year, ranked, with the caveats that matter.
Enter your balance and APY — see what a year of interest is worth, and what a dead 0.05% account costs you.
An HSA can beat a HYSA on after-tax return — the triple tax advantage, in plain math.
$4,400 self-only, $8,750 family, $1,000 catch-up — plus the HDHP thresholds that come with them.
Sweep vs tiers vs investing the cash, when interest is taxable, and why your rate is rarely automatic.
What BofA's health savings accounts pay on cash, and the employer-plan wrinkle that decides it.