Increased Difference Card HSA Interest Rates for 2023

Increased Interest Rates for Difference Card HSAs Will Take Effect January 1, 2023

December 19, 2022

The Difference Card is committed to providing our partners with market-leading HSA solutions. In this spirit, we are pleased to announce that higher interest rates are coming to all Difference Card HSA account holders. This change benefits account holders with HSAs custodied by Difference Card, for both the Traditional and High-Yield interest options.

Discover Our HSAs

Effective January 1, 2023, HSA interest rates will be updated as outlined below. These rates will be reflected in the Interest Rate Disclosure document on January 1, which will be available here.

Current Current New  New
Traditional High-Yield Traditional High-Yield
$0.01 – 1,999,99 0.04% 0.08% 0.05% 0.15%
$2,000.00 – 9,999.99 0.05% 0.15% 0.10% 0.30%
$10,000.00 – 24,999.99 0.06% 0.36% 0.20% 0.60%
$25,000.00 – greater 0.08% 0.80% 0.40% 1.00%


As a reminder, High-Yield is now available optionally to partners with Difference Card HSAs. Additional details about the final launch of High-Yield will be provided starting in January 2023.

A message communicating this change to account holders will be included in their December 31, 2022, HSA statements.

If you have any questions, please contact your Difference Card Account Manager.

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