Interest Paid & Outside Investments
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Sterling accountholders are paid interest on the funds in their accounts at prevailing bank savings rates.

Current Interest Paid on Sterling Accounts
Effective July 1, 2016
Interest Tier Interest Rate APY%
$15,000 or higher 0.55% 0.55%
$10,000- $14,999.99 0.30% 0.30%
$5,000- $9,999.99 0.20% 0.20%
$500- $4,999.99 0.10% 0.10%
*Interest rates are subject to change

Sterling accountholders have tremendous latitude in choosing how to invest the funds in their health savings account. Many investment asset classes are allowed under IRS regulations as illustrated below:

Investment Asset Class
Large Cap Value Index
Large Cap Blend Fixed Income
Large Cap Growth Lifestyle
Mid Cap Growth Money Market
Mid Cap Value Real Estate
Small Cap Growth Small Cap Value

Self-Directed Investment Options

To self-direct investments, Sterling accountholders may transfer funds in their HSA account to a joint brokerage account titled "Sterling Administrator For The Benefit Of (Name Of Sterling Accountholder)". Once the joint brokerage account has been set up and the accountholder has completed a Sterling Transfer of Assets Form, Sterling will transfer funds from the HSA account to the joint brokerage account.

Remember, there is a minimum balance requirement of $20 which must be kept in your HSA. The monthly maintenance fee on the HSA account will continue to be charged, for this reason we ask you to also leave a minimum of one year's worth of fees in your HSA, or Service Fee Balance. An annual fee of $16 will also be charged for the outside investment account. Sterling recommends all accountholders keep an amount equal to their annual deductible or out-of-pocket maximum in their HSA account at a minimum. Additional brokerage fees may apply. Check with your broker-dealer for details.

TD Ameritrade Arrangement for Sterling Accountholders

Through Sterling, accountholders can choose to open a self-directed brokerage account with TD Ameritrade and self-manage HSA investment accounts. This special arrangement with TD Ameritrade offers Sterling accountholders:

  • Discounted trading costs for equity and mutual fund trades.
  • Access to a large selection of no-load mutual fund strategies and managers.
  • Total control and flexibility in trades for their own account (within IRS regulations for the types of investments allowed through an HSA).

Remember that Sterling does not provide brokerage services, nor do we control or manage the website content, privacy or security policies of TD Ameritrade. Review the TD Ameritrade services and policies before opening a brokerage account.

All HSA contributions must first be made to your Sterling account before any funds can be transferred to the TD Ameritrade brokerage account investment option (for accurate IRS reporting).

To Open a Self-directed HSA Investment Account with TD Ameritrade:

For more information on TD Ameritrade self-directed brokerage accounts, call 866-766-4015 or view the product demo at

Brokerage services are provided by TD Ameritrade Inc.,member FINRA/SIPC/NFA. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Used with permission.

TD Ameritrade and Sterling Administration are separate and unaffiliated companies and are not responsible for each other's policies and services.