Every rate on this page was checked against a provider rate sheet in October 2026. If we couldn't verify a number, it isn't here.
Last checked: October 2026
The best verified HSA cash rates in 2026 come from credit unions (3%+ APY on tiered balances), with brokerage sweeps near 2% as the no-hassle benchmark. The worst — and most common — are bank-administered HSAs paying 0.01%–0.20%.
| # | Provider | APY | Minimum | Best for |
|---|---|---|---|---|
| 1 | Provident Credit Union — HSA 12-Month Add-on | 3.251% – 3.735% | CU membership | Maximum cash yield, if you're near California or comfortable with a CU |
| 2 | Fidelity — HSA cash sweep | 1.94% – 1.96% | None | The default answer: no fees, no minimum, reputable custodian |
| 3 | NASA Federal Credit Union — HSA | 0.35% – 0.55% | CU membership | Members already banking with NASA FCU |
| 4 | Custer Federal State Bank — HSA | 0.10% – 0.20% | — | Listed as a benchmark for what small-bank HSAs pay |
Most best-of rankings score providers on fees, investment menus, and app quality — then bury the cash rate, because the cash rate at most large administrators is embarrassing (often 0.01%). That's exactly why this page exists: rate first, everything else second. For the overall provider picture, the big finance sites are fine; for the number your idle cash actually earns, use the table above and your own account page.
Every verified provider rate in one place, refreshed monthly.
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