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? Is there a maximum amount that I can spend on my HSA debit card? Do I have to use Optum Bank for my health savings account (HSA)? Can I use the HSA funds for non-healthcare expenses? What happens to my HSA when I die?