Interest Rates

Below you will find interest rates for the standard Optum Bank health savings account (HSA).

Note: Interest rates earned on your account may be different than the rates shown because of your specific HSA product. Or, you may have an account that earns no interest but has a lower monthly fee. Check your Welcome Kit for the specific information that applies to your account.


  Balance Between...  Interest Rate*    Annual Percentage
 Yield (APY)* 
 $15,000  Unlimited 0.60% 0.60%
 $5,000.00  $14,999.99 0.25% 0.25%
 $2,000.00  $4,999.99 0.15% 0.15%
 $1,000.00  $1,999.99 0.10% 0.10%
 $500.00  $999.99 0.05% 0.05%
 $0.00  $499.99 0.05% 0.05%
Rates as of: 3/01/2013
* Interest rates and APYs are subject to change at any time. Fees may reduce earnings on account.

Health savings accounts (HSAs) are individual accounts offered by Optum BankSM, Member FDIC, and are subject to eligibility and restrictions, including but not limited to restrictions on distributions for qualified medical expenses set forth in section 213(d) of the Internal Revenue Code. State taxes may apply. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment, and restrictions. Federal and state laws and regulations are subject to change.