Health Savings Account
May 10, 2025
If your daily balance is less than the minimum balance required ($50.00), the interest rate on your account will be 0.00% with an annual percentage yield of 0.00%. Your interest rate and annual percentage yield (APY) may change. At our discretion, we may change the interest rate on your account daily.
Health Savings Account Rates
Rates and fees are subject to change without notice.
Interest Rates and Annual Percentage Yields (APY)
| Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield |
|---|---|---|
Minimum Balance to Earn APY$50.00 |
Interest Rate0.25% |
Annual Percentage Yield0.25% |
Minimum Balance to Earn APY$10,000.00 |
Interest Rate0.25% |
Annual Percentage Yield0.25% |
Minimum Balance to Earn APY$25,000.00 |
Interest Rate0.50% |
Annual Percentage Yield0.50% |
Minimum Balance to Earn APY$50,000.00 |
Interest Rate0.50% |
Annual Percentage Yield0.50% |
Minimum Balance to Earn APY$100,000.00 |
Interest Rate0.75% |
Annual Percentage Yield0.75% |
Minimum Balance to Earn APY$200,000.00 |
Interest Rate1.98% |
Annual Percentage Yield2.00% |
Interest will be compounded daily and will be credited to the account on the last day of each calendar month.
Tiered Rate
The Health Savings account is a tiered-rate account that pays an interest rate based upon specified account balances, as set forth above. We will pay an interest rate on the entire balance in your deposit account that corresponds to the applicable deposit tier.
Minimum Balance Requirements
To open a Health Savings account, you must deposit $50.00 or more. The minimum balance required to earn interest is $50.00. The average daily balance is calculated by adding the principal in the account for each day of the perios and dividing that figure by the number of days in the period.
Fees
Please refer to the separate service charge schedule(s) for all fees that may be charged on this account.
Transaction Limitations
We reserve the right, in our sole discretion, to require seven (7) days' advance notice of any withdrawal. The Health Savings account is available to customers with a Health Savings Account ("HSA") Plan at Capitol Federal. Please refer to the disclosures and/or agreements for the HSA for transaction restrictions.
All other disclosure information is included in the Disclosure and Agreement for Savings and Transaction Account, into which the Disclosure of Terms is incorporated by reference.