The HSA Report Card





First Technology Federal Credit Union is headquartered in Mountain View and is the 3rd largest credit union in the state of California.

Eligibility Requirements: 

  • Sponsor company employee

  • Resident of Oregon

  • Membership in Financial Fitness Association ($8 per year)

Fees & Minimum Balances:

  • $0 Minimum Balance

  • $0 Set Up Fees

  • $0 Monthly Maintenance Fee

  • $0 POS Transaction Fees

  • $15 Wire Transfers - Outgoing

Physical Locations:

39 branches in 8 states (CA, CO, GA, ID, OR, TX, MA, WA).

Interest Rates:

  • 1.00% APY on all balances


  • Reasonable fees, the ability to automate investments with guided portfolios, and access to a TD Ameritrade self-directed brokerage account make this administrator an attractive option for a wide variety of investors.

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  • HealthEquity offers a solution for every kind of investor, from the experienced to the novice. This administrator also hit the ball out of the ballpark with its all Vanguard investment lineup.

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  • HealthSavings Administrators offers first dollar investing in high-quality funds from Vanguard, Dimensional Funds, and T. Rowe Price.

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  • This upstart is catching the eye of many with its low fees, a TD Ameritrade self-directed brokerage account, and its slick user friendly-website.

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  • This behemoth services close to 4 million accounts and holds approximately $9 billion in HSA assets. Optum’s offering is characterized by reasonable fees, decent investment options and an integrated platform with investor friendly features.

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  • For the experienced fee dodgers and disciplined investors, Saturna's self-directed brokerage account might fit the bill.

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  • Further features exceptionally low fees, access to a Schwab self-directed brokerage account, and superior customer service. 

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  • This arm of Old National Bank is a bit old school in its practices, but features exceptionally low fees and a nice suite of investment options. 

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  • UMB's HSA Saver Program is an easy to use investing platform ideal for index investor’s looking to automate their investments. 

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  • Fidelity recently made a grand entrance into the individual/family HSA space with an incredible offering that includes first dollar investing, a brokerage account, no maintenance fees and zero expense ratio funds. 

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