Find your interest rate and annual percentage yield (APY)
The interest paid and corresponding APY earned can be found on your monthly statement.
Standard earnings
Interest rates and APY for standard Optum Bank health savings account (HSA) are as follows. Your interest rates and APY may differ if you are a member of a non-standard account group. Please refer to your user portal to see your most up-to-date rate.
Standard HSA Interest Rates
0.28% Interest Rate*
0.28% Annual Percentage Yield (APY)*
Rates as of April 1, 2025
*Current rates are variable and may change at any time. Fees may reduce earnings on account. Standard rates listed are not valid for eACCESS accounts or any accounts for employer groups with non-standard rates.
0.13% Interest Rate*
0.13% Annual Percentage Yield (APY)*
Rates as of April 1, 2025
*Current rates are variable and may change at any time. Fees may reduce earnings on account. Standard rates listed are not valid for eACCESS accounts or any accounts for employer groups with non-standard rates.
0.06% Interest Rate*
0.06% Annual Percentage Yield (APY)*
Rates as of April 1, 2025
*Current rates are variable and may change at any time. Fees may reduce earnings on account. Standard rates listed are not valid for eACCESS accounts or any accounts for employer groups with non-standard rates.
0.03% Interest Rate*
0.03% Annual Percentage Yield (APY)*
Rates as of April 1, 2025
*Current rates are variable and may change at any time. Fees may reduce earnings on account. Standard rates listed are not valid for eACCESS accounts or any accounts for employer groups with non-standard rates.
0.03% Interest Rate*
0.03% Annual Percentage Yield (APY)*
Rates as of April 1, 2025
*Current rates are variable and may change at any time. Fees may reduce earnings on account. Standard rates listed are not valid for eACCESS accounts or any accounts for employer groups with non-standard rates.
0.03% Interest Rate*
0.03% Annual Percentage Yield (APY)*
Rates as of April 1, 2025
*Current rates are variable and may change at any time. Fees may reduce earnings on account. Standard rates listed are not valid for eACCESS accounts or any accounts for employer groups with non-standard rates.
Truth in savings: disclosure of interest and account terms
Rate information
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 deposits other than cash
Interest will begin to accrue on the business day non-cash items are deposited (for example, checks) and posted to your account.
Investments are not FDIC insured, are not guaranteed by Optum Bank® and may lose value.
Health savings accounts (HSAs) are individual accounts largely held at Optum Bank® , Member FDIC, and administered by Optum Financial, Inc. or ConnectYourCare, LLC, an IRS-Designated Non-Bank Custodian of HSAs, a subsidiary of Optum Financial, Inc. Neither Optum Financial, Inc. nor ConnectYourCare, LLC is a bank or an FDIC insured institution. HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State and/or local taxes may still apply. Fees may reduce earnings on account. Refer to your HSA account agreement for details.
This communication is not intended as legal or tax advice. Consult a legal or tax professional for advice on eligibility, tax treatment, and restrictions. Please contact your plan administrator with questions about enrollment or plan restrictions.