Lively vs Saturna Capital
2026 side-by-side comparison of fees, investment options, and features.
Lively
Lively is a fintech HSA provider with a clean, modern interface and no monthly fees. They offer both self-directed investing through Schwab and guided portfolios through Devenir.
Saturna Capital
Saturna Capital offers a unique HSA with no fees for investing in their own mutual funds, including socially responsible and Islamic-compliant (Shifa) options. Their Pershing brokerage account provides full access to stocks, ETFs, and other investments.
Quick Verdict
Choose Lively if...
Tech-savvy users who want a modern HSA with investing options
Choose Saturna Capital if...
Investors who want Saturna funds or Islamic-compliant (Shifa) HSA options
Feature Comparison
| Feature | Lively | Saturna Capital |
|---|---|---|
| Monthly Fee | $0 | $0 (for Saturna funds) |
| Investment Minimum | $0 (with $24/year fee) or $3,000 (no fee) | $500 |
| Investment Options | Schwab self-directed brokerage or Devenir guided portfolios | Saturna mutual funds (no fee), or full brokerage via Pershing |
| Interest Rate | 0.01%–0.02% APY | N/A (investment-focused) |
| Account Type | fintech | brokerage |
| FDIC Insured | Yes | No |
| Mobile App | Yes | Yes |
| Debit Card | Yes | Yes |
Lively
Pros
- No monthly maintenance fees
- Modern, user-friendly interface
- FDIC insured cash
- Schwab brokerage option for self-directed investing
- Good for individuals and employers
Cons
- $24/year fee for investing with no minimum, or $3,000 threshold
- Guided portfolios charge 0.50% annual fee
- Lower interest rates on cash
Saturna Capital
Pros
- No fees for investing in Saturna mutual funds
- Full brokerage through Pershing (stocks, ETFs, bonds)
- Shifa HSA option for Islamic-compliant investing
- Morningstar "above average" rating
- Great for socially responsible investors
Cons
- 0.30% annual fee for non-Saturna funds
- Smaller provider - less name recognition
- Not FDIC insured (SIPC protected)
- Commission fees for trading non-NTF funds
Provider Details
Lively
Lively is a fintech HSA provider with a clean, modern interface and no monthly fees. They offer both self-directed investing through Schwab and guided portfolios through Devenir.
Monthly Fee
$0
Investment Minimum
$0 (with $24/year fee) or $3,000 (no fee)
Investment Options
Schwab self-directed brokerage or Devenir guided portfolios
Best For
Tech-savvy users who want a modern HSA with investing options
Saturna Capital
Saturna Capital offers a unique HSA with no fees for investing in their own mutual funds, including socially responsible and Islamic-compliant (Shifa) options. Their Pershing brokerage account provides full access to stocks, ETFs, and other investments.
Monthly Fee
$0 (for Saturna funds)
Investment Minimum
$500
Investment Options
Saturna mutual funds (no fee), or full brokerage via Pershing
Best For
Investors who want Saturna funds or Islamic-compliant (Shifa) HSA options
Frequently Asked Questions
Which has lower fees, Lively or Saturna Capital?
Lively has no monthly fees ($0), while Saturna Capital charges $0 (for Saturna funds). For cost-conscious users, Lively may be the better choice.
Which has better investment options?
Lively offers Schwab self-directed brokerage or Devenir guided portfolios. Saturna Capital offers Saturna mutual funds (no fee), or full brokerage via Pershing. The best choice depends on your investment style and preferences.
Is my money FDIC insured with Lively or Saturna Capital?
Lively offers FDIC insurance on cash deposits. Saturna Capital does not offer FDIC insurance, but invested funds may have SIPC protection.
Can I transfer my HSA from Lively to Saturna Capital?
Yes, you can transfer your HSA funds between any HSA providers. Most transfers take 2-4 weeks. Check with both Lively and Saturna Capital for any transfer fees - incoming transfers are usually free, but outgoing transfers may incur a fee.
Which HSA is better for long-term investing?
For long-term investing, consider Saturna Capital with $500 investment minimum. Lively is tech-savvy users who want a modern hsa with investing options. Saturna Capital is investors who want saturna funds or islamic-compliant (shifa) hsa options. Both can work well for building retirement health savings.
Does HSA Trackr work with Lively and Saturna Capital?
Yes, HSA Trackr works with any HSA provider including both Lively and Saturna Capital. Track your medical expenses, store receipts, and know exactly how much you can reimburse tax-free - regardless of which HSA you choose.
Related Comparisons
This comparison is for informational purposes only. HSA provider features and fees may change. Verify current information directly with each provider before opening an account.
Works with any HSA provider
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