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? On whom can I spend my health savings account funds? Do I have to use Optum Financial for my health savings account? If I close my health savings account or switch from the Consumer-driven Health Plan or Local CDHP to one of the preferred provider plans, what happens to my HSA balance? What is the CDHP/HSA (or Local CDHP/HSA) insurance plan?