Here are HSA Living's top recommendations

When it comes to offering well-rounded HSA financial solutions, HSA Living conducts extensive research to find the absolute best institutions in the country. Our top three recommended financial institutions are shown below along with a "quicklist" of all the others we recommend for easy reference.

HSA Bank

HSA Bank

Offers one of the broadest ranges of investment options.

  • Interest rates between 0.99% - 4.64 % depending on account balance
  • Opening fee of $18, and monthly fee of $2.25
  • Full range of online services on one of the best education oriented websites
  • Savings Account FDIC insured up to $100,000
  • Access to stocks, bonds, and over 11,000 mutual funds
US Bank

US Bank

Provides one of the most extensive and resourceful websites.

  • Interest rates vary by region and account balance
  • Absolutely no set-up or monthly fees, simply a $20 annual fee
  • Full range of online services, with lots of information in an easy-to-navigate website
  • Savings Account FDIC insured up to $100,000
Sterling HSA

Sterling HSA

Has unique account options, based on the type of investor you are.

  • Interest rates between 1% - 4.75% depending on account balance
  • Two full-service accounts require a one-time account set-up fee of $35.00; one has a monthly fee of $8.75 and the other has transaction fees
  • The online-only plan has a average set-up fee of $15.00 and monthly fee of $2.50
  • Full range of online services on one of the best education oriented websites
  • Savings Account FDIC insured up to $100,000
Financial Institution Setup Fee Monthly
Maintenance Fee
Interest Rates Online Service Investment Options  
The Bancorp Bank $0 $0 for 3 months, then $3 until balance over $3,000 2-5% Full range of online services, with lots of information in easy to navigate website. Mutual Funds Stocks Bonds The Bancorp Bank
First HSA, Inc. $15 $3 1.4-4.5% Online account access Mutual Funds First HSA, Inc.
HSA Bank $25 handwritten application/$18 online 2.25 (waived on balances of $3,000+) 1-4.75% Full range of online services, with lots of information in easy to navigate website. Mutual Funds Stocks Bonds HSA Bank
HSA Resources $25 $25 annual fee 0.1-4.25% Full range of online services, with lots of information in easy to navigate website. Mutual Funds Stocks HSA Resources
Patelco Credit Union $0 $1, waived for first year up to 5.12% Limited Online Services Savings Account Patelco Credit Union
State Farm Bank $0 $3 excessive transation fee 2.5-4% Limited Online Services Savings Account State Farm Bank
Sterling HSA $15-35 $2 1-4.75% Full range of online services, easy to navigate website, education oriented. Savings Account Sterling HSA
Technology Credit Union No fee; $5 min opening balance $0 1.65%-5.5% APY Free Online Banking account management. Savings Account Technology Credit Union
US Bank $0 $20 annual varies Full range of online services, with lots of information in easy to navigate website. Savings Account US Bank
Wells Fargo $0 competitive 1-3.9% Full range of online services Mutual Funds Wells Fargo
 
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HSA providers