I have an HSA through my employer, of which I put a certain percentage of my salary towards.

The "goal" of the HSA (as I understand it) is to have a lifetime plan to support your healthcare.

Looking through the fine print, the interest offered on the funds that I add is a paltry 0.008% (yes, less than a 100th of 1 percent).

Given such a low interest rate, is it not to my advantage to put this money instead into an account earning something higher and still low risk, such as 3% to 6%, and still liquid enough to draw in a medical emergency?

(I'm in the USA)