Do the funds in my HSA accrue interest? Brady Delander May 27, 2022 13:45 Updated The cash account earns interest at a current rate of $.01% APY paid monthly. Related articles Is there a maximum amount that I can spend on my HSA debit card? Do I have to use Optum Financial for my health savings account? What is the CDHP/HSA (or Local CDHP/HSA) insurance plan? On whom can I spend my health savings account funds?