Sterling Administration


Sterling Administration is a privately held, financially self-sustaining company. Our full suite of products includes HSA, HRA, FSA, POP, COBRA, ERISA Wrap, Form 5500 Filing, PPACA Compliance Services, and an online employer benefits enrollment platform called Benefit Solutions. This is what we do. It’s all that we do and we are committed to making the complex simple for our clients and partners.

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:
  • Debit Card
  • Online Banking
  • Investment Options

HSA Interest Rates

Interest rates for various balance tiers
$500.00 - $4,999.99 0.10% APY
$5,000.00 - $9,999.99 0.20% APY
$10,000.00 - $14,999.99 0.30% APY
$15,000.00+ 0.45% APY
Last checked on: 06-09-2021. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee $2.50
Account Opening Fee $0.00
Account Closing Fee $0.00

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: check_box   CDs: close   Other: close

Self-Directed Brokerage Details

$16.00 Annual Fee (two transactions per year free of charge). To self-direct investments, Sterling accountholders may transfer funds in their HSA account to a joint brokerage account titled "Sterling HSA 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. Additional brokerage fees may apply. Check with your broker-dealer for details.

Contact Information

General Information

Address 1000 Broadway #250
Oakland, CA 94607

Customer Service

Mailing Address Sterling Administration
P.O. Box 71107
Oakland, CA 94612
Phone Number 800-617-4729
Email Address [email protected]