Research

HSA Deposit Rate Update – June 2025

July 24, 2025 Research
HSA deposit rates stayed steady in Q2 2025—except the $1,000 tier, which edged up from 0.43% to 0.44%. With the Fed’s Effective Federal Funds Rate remaining flat at 4.33%, providers are likely to maintain current rates, barring major economic shifts. Stay tuned as market conditions evolve—providers may tweak rates to attract and retain account holders.
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HSA Deposit Rate Update – March 2025

April 7, 2025 Research
HSA deposit rates have stabilized across all balance tiers in Q1 2025, marking a potential inflection point after two years of growth. This market shift corresponds with Federal Reserve policy and indicates providers should prepare for a competitive landscape where factors beyond deposit rates will increasingly drive account acquisition and retention.
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HSA Deposit Rate Update – December 2024

January 23, 2025 Research
HSA deposit rates are showing signs of cooling after sustained growth throughout 2023-24, with $50,000 balances dropping from 0.63% to 0.61% between September and December 2024. This shift aligns with the Federal Reserve's more accommodative monetary policy, as the Effective Federal Funds Rate decreased from 5.33% in the summer of 2023 to 4.33% at the end of 2024. Learn how these changes impact HSA providers, employers, and account holders in today's evolving economic landscape.
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