Do the Funds in My HSA Accrue Interest? Brady Delander March 02, 2021 22:34 The cash account earns interest at a current rate of $.01% APY paid monthly. Related articles Can I opt out of accruing interest on my health savings account (HSA) funds? Do I have to use Optum Bank for my health savings account (HSA)? What happens to my HSA when I die? How is the CDHP similar to the Premier, Standard and Limited PPOs My spouse and I are both employed and eligible for HSA accounts. Can we have two HSA accounts in the same household?