Health savings account (HSA) interest rates
You may earn interest on your HSA balance! Optum Bank offers competitive tiered interest rates that are accrued daily and paid monthly. Interest rates vary and may change anytime. Log in to your account to find out your current interest rate and APY.
Find your interest rate and annual percentage yield (APY)
To find out your current interest rate and APY, log in to view your account details. Your interest rate and corresponding APY can also be found on your monthly statement.
TRUTH IN SAVINGS: DISCLOSURE OF INTEREST AND ACCOUNT TERMS
The interest rate and annual percentage yield (APY) on the full balance in your account will be on a tiered basis at the stated interest rate that corresponds to the applicable deposit tier, as described in the table above.
Compounding and crediting
Interest will accrue daily based on the balance of funds on deposit in your account and will be credited on the last day of each month. If you close your account on any day other than the last day of the month, you will forfeit any interest accrued for that month.
Balance and computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the balance in the account each day.
Minimum average balance requirement
Please refer to your schedule of fees.
Accrual of interest on deposit other than cash
Interest will begin to accrue on the business day deposited non-cash items (for example, checks) are posted to your account.