Bank · FDIC insured
HSBC USA Savings Rates
HSBC USA’s best savings rate is 4.40% APY, with its Premier Relationship Savings, with extra requirements. Rates checked October 22, 2026.
How HSBC USA’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where HSBC USA has the most branches. $10,000, best rate first.
This bank’s best
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Premier Relationship Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
3rd-highest rate
E*TRADE from Morgan Stanley
4.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $425
HSBC USA savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified3.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where HSBC USA ranks
By savings score, in each area where it has branches
- #115 of 173New York-Newark-Jersey City, NY-NJ metro8
- #103 of 136Los Angeles-Long Beach-Anaheim, CA metro3
- #77 of 114Washington-Arlington-Alexandria, DC-VA-MD-WV metro2
- #50 of 77Miami-Fort Lauderdale-West Palm Beach, FL metro2
- #52 of 77San Francisco-Oakland-Fremont, CA metro2
- #41 of 66Seattle-Tacoma-Bellevue, WA metro2
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Premier Relationship Savings
Up to 4.40%APY
Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upRelationship APY when eligibility requirements are met.$1 and up | 4.40% | $440 | Relationship APY when eligibility requirements are met. |
| $1 and upRelationship APY automatically applies during the Introductory Period (remainder of opening month plus following 3 months). Thereafter, requires meeting at least 1 of the qualification criteria monthly (e.g. $500+ debit card purchases/payments, $500+ credit card payments from linked Premier checking, $5,000+ qualifying direct deposits, holding a U.S. mortgage serviced by HSBC, or HSBC Premier Elite status).$1 and up | 3.10% | $310 | Relationship APY automatically applies during the Introductory Period (remainder of opening month plus following 3 months). Thereafter, requires meeting at least 1 of the qualification criteria monthly (e.g. $500+ debit card purchases/payments, $500+ credit card payments from linked Premier checking, $5,000+ qualifying direct deposits, holding a U.S. mortgage serviced by HSBC, or HSBC Premier Elite status). |
| $1 and upStandard APY.$1 and up | 0.05% | $5 | Standard APY. |
HSBC Premier Savings
0.01%APY
Available to customers with an HSBC Premier checking account in the United States. Must be at least 18 years of age. Not available to business customers.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.01% | $1 |
| $25,000 – $100,000 | 0.10% | — |
| $100,000 – $250,000 | 0.15% | — |
| $250,000 and up | 0.15% | — |
Closed to new customers
Advance Savings
0.01%APY
The HSBC Advance Savings account is no longer offered. Not available to business customers.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $15,000 | 0.01% | $1 |
| $15,000 and up | 0.05% | — |
| $50,000 – $75,000 | 0.05% | — |
| $75,000 and up | 0.05% | — |
Sources (1)
- us.hsbc.com/savings-accounts/products/interest-rates · captured Oct 15, 2026
Everyday Savings
0.01%APY
The HSBC Everyday Savings account is no longer offered. Not available to business customers.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.01% | $1 |
Sources (1)
- us.hsbc.com/savings-accounts/products/interest-rates · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.