HealthEquity^® HSA Interest Rate Schedule

Effective Aug. 1, 2011

HealthEquity^® health savings account (HSA) balances are FDIC-insured and interest-bearing, letting account holders safely
grow their HSA balances. HealthEquity calculates and compounds interest monthly based on the applicable rate for your
balance in each tier (see chart). HealthEquity then credits interest to your HSA each month on the last business day of the statement cycle.

For example, if your account has an average daily balance of $7,500 in a given month, you earn .05% on the first $2,000,
.15% on the next $3,000, and .70% on the next $2,500. This calculation is made for each balance tier at each month-end
based on your account’s average daily balance for the month.

Balance Tier	Average Daily Account Balance	Interest Rate	APY
Tier 1	$0–$2,000	0.05%	0.05%
Tier 2	$2,001–$5,000	0.15%	0.15%
Tier 3	$5,001–$10,000	0.70%	0.70%
Tier 4	$10,001+	1.50%	1.51%

APY means annual percentage yield. Fees may lower the APY.
Interest rates may vary for select accounts and are subject to change. Current rates can be found on your monthly statement.

If you close your HSA before accrued interest is credited, no interest will be paid for that month.