Account Rates

Check out our current deposit rates and apply today!

Account Rates

Consistently the most competitive rates in the Kansas City area. For nearly 100 years.

Our rates are updated regularly, and all deposits are FDIC insured up to $250,000. The right account depends on your balance and how long you can commit, so browse below to compare, or talk to a banker for a recommendation.

Looking for home loan rates? Visit our mortgage rates page.


Featured Rates - Effective Date: 7/03/2026


Savings
Ultimate Savings3
Flexible access to your balance with no term commitment.Online only

3.60% APY1

$10,000 minimum to open. Flexible access anytime.
  • Earn APY on balances starting at $0.01
  • Free Mobile Check Deposit via NASB Mobile Banking
  • FDIC-insured up to $250,000
  • Open online in about 10 minutes
Open account
CD Special
14-Month CD
Lock in a competitive fixed rate. Open online or at any NASB branch.

3.90% APY1

$1,000 minimum to open. Fixed rate for full term
  • Eligible to open as an Individual Retirement Account (IRA)
  • Automatically renews at maturity
  • FDIC-insured up to $250,000
  • Open online in about 10 minutes
Open account
Offering rates subject to change at any time without notice. See account disclosures for full details.


Strength You Can Count On
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Community Support

$8 Million+ Invested

In Kansas City communities since 2020

 

Bauer Financial

Star ratings are current as of 06/24/2026

"Well Capitalized"

FDIC Capital Classification

As of quarter end 3/31/2026



Current Rates - Effective Date: 7/03/2026


NASB checking accounts range from straightforward everyday options to accounts that earn interest on your balance. Meet a few monthly activity requirements and your rate goes up. For larger balances, Premium Money Market accounts offer tiered rates that grow with your deposit.
Flourish Checking
Open account
Minimum balance for APY1APY1Min to open
$.01 - $19,999.990.45%$5,000
$20,000 - $1,499,999.991.10%$5,000
$1,500,000 or Greater0.60%$5,000
Prosper Checking2
Open account
Minimum balance for APY1APY1Min to open
$.01 - $4,999.990.45%$1,500
$5,000 - $49,999.99 (Non-Qualified)0.45%$1,500
$5,000 - $49,999.99 (Qualified)0.55%$1,500
$50,000 - $1,499,999.990.50%$1,500
$1,500,000 or greater0.50%$1,500
Thrive Checking In-branch only
Minimum balance for APY1APY1Min to open
 No Interest$100
Advance Checking
Open account
Minimum balance for APY1APY1Min to open
 No Interest$100
Premium Money Market
Open account
Minimum balance for APY1APY1Min to open
$.01 - $24,999.990.40% $1,000
$25,000 - $1,499,999.990.50% $1,000
$1,500,000 or greater0.05%$1,000
OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
1 APY = Annual Percentage Yield. Rates may change after the account is opened. Fees can reduce earnings on the account.
2Monthly requirements to earn qualified rate. To earn the highest rate on balances up to $49,999.99, the account must have at least 12 debit card or point-of-sale transactions that post and clear before month-end.
NASB savings accounts earn competitive rates across all balance levels. Online-only options offer our highest available rates and are open to anyone, nationwide. For those who prefer a branch nearby, in-branch savings accounts pair strong rates with personal service.
Ultimate Savings2 Online only
Open account
Minimum balance for APY1APY1Min to open
Up to $49,999.993.60%$10,000
$50,000 - $1,999,9993.60%$10,000
$2,000,000 and greater3.60%$10,000
High-Rate Savings
Open account
Minimum balance for APY1APY1Min to open
Up to $1,499,9992.50%$1.00
$1,500,000 and greater2.50%$1.00
Select III Savings
Open account
Minimum balance for APY1APY1Min to open
Up to $4,999.992.50%$500
$5,000 - $24,999.992.50%$500
$25,000 - $74,999.993.10% $500
$75,000 or greater3.60%$500
Statement Savings
Open account
Minimum balance for APY1APY1Min to open
$.010.30%$100
Super Saver Savings
Open account
Minimum balance for APY1APY1Min to open
$.010.35%$15,000
IRA Savings In-branch only
Minimum balance for APY1APY1Min to open
$.010.30%$100
Performance Savings In-branch only
Minimum balance for APY1APY1Min to open
$5,000 - $24,999.990.20%$5,000
$25,000 - $49,999.990.25%$5,000
$50,000 - $74,999.99 0.30%$5,000
$75,000 - $1,499,9990.35%$5,000
$1,500,000+0.05%$5,000
OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
1APY = Annual Percentage Yield. Rates may change after the account is opened. Fees can reduce earnings on the account.
3Ultimate Savings has a blended interest rate. The blended interest rate represents the weighted average rate applied when multiple interest rate tiers apply to different portions of an account balance.
NASB certificates of deposit lock in your rate at opening, with terms from 3 to 120 months. Select terms are available to open online. Most in-branch CDs can also be opened as Individual Retirement Accounts (IRAs).
14-Month CD Special rate
Open account
APY1Interest rate1Min to open
3.90%3.83%$1,000
23-Month CD Special rate
Open account
APY1Interest rate1Min to open
3.75%3.68%$1,000
3–5 Month Term In-branch only
APY1Interest rate1Min to open
1.00%1.00%$1,000
6–11 Month Term In-branch only
APY1Interest rate1Min to open
0.80%0.80%$1,000
12-Month Fixed IRA In-branch only
APY1Interest rate1Min to open
0.85%0.85%$100
12–23 Month Term In-branch only
APY1Interest rate1Min to open
0.85%0.85%$1,000
24 Month Term In-branch only
APY1Interest rate1Min to open
0.91% 0.91%$1,000
36–47 Month Term In-branch only
APY1Interest rate1Min to open
3.75%3.68%$1,000
48–59 Month Term In-branch only
APY1Interest rate1Min to open
0.96%0.96%$1,000
60–120 Month Term In-branch only
APY1Interest rate1Min to open
1.01%1.00%$1,000
OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
1 APY = Annual Percentage Yield. Interest compounded daily. Early withdrawal penalty may apply. Fees can reduce earnings on the account.
All in-branch CDs may be opened as Individual Retirement Accounts (IRAs).
When your certificate reaches maturity, you'll have a 7-day grace period to make changes or close it before it automatically renews at the standard renewal rate for a similar term. To explore current rate options, call us or visit a local branch during your grace period.
NASB E-Savings is a high-yield online savings account available nationally. Open online in minutes with a $10,000 minimum deposit.
E-Savings Online only
Open account
APY1Interest rate1Min to open
3.60%3.54%$10,000
OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
1 APY = Annual Percentage Yield. Interest is compounded monthly. Annual Percentage Yield assumes reinvestment of principal and interest at the same rate. Rates may change after the account is opened. Fees can reduce earnings on the account.
For more information please call 800-677-6272.
NASB national CD offerings include a 13-Month Term CD available to open online, and a National Auto Renewal CD. All rates are subject to change at any time without notice.
13-Month Term Online only
Open account
APY1Interest rate1Min to open
3.75%3.68%$5,000
National Auto Renewal CD
APY1Interest rate1Min to open
3.75%3.68%$.01

National CD Auto Renewals: Unless withdrawn at maturity, these certificate of deposit accounts will automatically renew into an Online Renewal CD. Contact NASB for current rates.

OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
1 APY = Annual Percentage Yield. Interest compounded daily. Annual Percentage Yield assumes reinvestment of principal and interest at the same rate. An early withdrawal penalty may apply. Fees can reduce earnings on the account. The CD base interest rate is guaranteed for the term of the CD.
For more information, please call 800-677-6272.
NASB savings accounts offer competitive rates across a range of balance tiers and account types, including online-only options with higher yields and in-branch accounts for customers who prefer personal service.
Ultimate Savings2 Online only
Open account
Minimum balance for APY1APY1Min to open
Up to $49,999.993.60%$10,000
$50,000 - $1,999,9993.60%$10,000
$2,000,000 and greater0.01%$10,000
High-Rate Savings
Open account
Minimum balance for APY1APY1Min to open
Up to $1,499,9992.50%$1.00
$1,500,000 and greater2.50%$1.00
Performance Savings In-branch only
Minimum balance for APY1APY1Min to open
$5,000 - $24,999.990.20%$5,000
$25,000 - $49,999.990.25%$5,000
$50,000 - $74,999.99 0.30%$5,000
$75,000 - $1,499,999.990.35%$5,000
$1,500,000+0.15%0.15%
Select III Savings
Open account
Minimum balance for APY1APY1Min to open
Up to $4,999.992.50%$500
$5,000 - $24,999.992.50%$500
$25,000 - $74,999.993.10% $500
$75,000 or greater3.60%$500
Statement Savings
Open account
Minimum balance for APY1APY1Min to open
$.010.30%$100
IRA Savings In-branch only
Minimum balance for APY1APY1Min to open
$.010.30%$100
Smart Savers Savings In-branch only
Minimum balance for APY1APY1Min to open
$.010.25%$50
Stepping Stones Savings In-branch only
Minimum balance for APY1APY1Min to open
$.010.25%$25
Super Saver Savings
Open account
Minimum balance for APY1APY1Min to open
$.010.35%$15,000

OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
1 APY = Annual Percentage Yield. See Checking or Savings for account requirements. Rates may change after the account is opened. Fees can reduce earnings on the account.
2 Ultimate Savings has a blended interest rate. The blended interest rate represents the weighted average rate applied when multiple interest rate tiers apply to different portions of an account balance.
Customer transactions are routinely posted to customers' accounts during our normal business hours, which include Saturdays.
For more information, please call one of our Personal Banking locations.

NASB certificates of deposit offer fixed rates for terms ranging from 3 to 120 months. The 14-Month and 23-Month CDs are available to open online. All in-branch CDs may be opened as Individual Retirement Accounts (IRAs).
14-Month CD Special rate
Open account
APY1Interest rate1Min to open
3.90%3.83%$1,000
23-Month CD Special rate
Open account
APY1Interest rate1Min to open
3.75%3.68%$1,000
3–5 Month Term In-branch only
APY1Interest rate1Min to open
1.00%1.00%$1,000
6–11 Month Term In-branch only
APY1Interest rate1Min to open
0.80%0.80%$1,000
12-Month Fixed IRA In-branch only
APY1Interest rate1Min to open
0.85%0.85%$100
12–23 Month Term In-branch only
APY1Interest rate1Min to open
0.85%0.85%$1,000
24 Month Term In-branch only
APY1Interest rate1Min to open
0.91% 0.91%$1,000
36–47 Month Term In-branch only
APY1Interest rate1Min to open
3.75%3.68%$1,000
48–59 Month Term In-branch only
APY1Interest rate1Min to open
0.96%0.96%$1,000
60–120 Month Term In-branch only
APY1Interest rate1Min to open
1.01%1.00%$1,000

OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
1 APY = Annual Percentage Yield. Interest compounded daily. Early withdrawal penalty may apply. Fees can reduce earnings on the account.
All in-branch CDs may be opened as Individual Retirement Accounts (IRAs).
When your certificate reaches maturity, you'll have a 7-day grace period to make changes or close it before it automatically renews at the standard renewal rate for a similar term. To explore current rate options, call us or visit a local branch during your grace period. If you prefer a different rate or term than the renewal rate, you must either send NASB a secure message through online banking or visit a local branch to make the change.
For more information, please call 800-677-6272 or visit one of our Personal Banking locations



Open Your Account Online in 3 Easy Steps!

 

Number 1 third

Enter Your Info

Provide your address, phone, email, Social Security number, and answer a few simple questions.

Number 2 third

Fund Your Account

Make your initial deposit by entering your bank account details and transfer the minimum deposit to activate your account.

number 3 third

Confirmation

Check your inbox for a confirmation email with your account number and all the details you need to get started.



Open your account entirely online in just 10 minutes!

To speed things up, please have your driver’s license and bank account information ready before you start.






Frequently Asked Questions

Have questions about NASB deposit accounts and rates? Find answers to the most common questions below.

Rates and Products

All NASB CDs require $1,000 to open, except for the 12-Month Fixed IRA, which requires $100. See the CD rates table above for full details.

Flourish Checking offers our highest potential checking APY for balances up to $1,499,999.99, provided you meet the monthly qualification requirements. Prosper Checking also offers a competitive rate for balances up to $49,999.99 with the same monthly qualification requirements. See the Checking rates table above for current APYs.

Yes. NASB offers an IRA Savings account available in-branch, as well as a 12-Month Fixed IRA CD. All in-branch CDs may also be opened as Individual Retirement Accounts. Please visit one of our branch locations or call 800-677-6272 for more information on opening an IRA account.

NASB offers CD terms ranging from 3 months to 120 months (10 years), including 3–5 month, 6–11 month, 14 month, 12–23 month, 23 month, 24 month, 36–47 month, 48–59 month, and 60–120 month. A 12-Month Fixed IRA CD is also available. Please check if terms are available online or in-branch.

The Ultimate Savings account requires a minimum of $10,000 to open and is available online only. The account uses a blended interest rate, meaning different portions of your balance may earn different rates depending on which tiers apply. See the Savings table above for current APYs by balance tier.

NASB's Ultimate Savings account currently offers one of our most competitive rates, available exclusively online. The rate varies by balance tier. For current rates, see the savings table above. All rates are subject to change at any time without notice.


How it Works

NASB deposit rates are subject to change at any time without notice. The effective date of current rates is shown at the top of the rate tables above. We recommend checking this page regularly for the most up-to-date rates before opening an account.
When your NASB certificate of deposit reaches maturity, you have a 7-day grace period to make changes or close the account. If no action is taken during the grace period, the CD will automatically renew at the standard renewal rate for a similar term. To change your rate or term, you must either send a secure message through online banking or visit a local branch during the grace period.

Maintain a balance of at least $20,000 in your Flourish Checking account to qualify for the highest interest rate tier and avoid the monthly maintenance fee.

The Prosper Checking account is another option to earn a higher (qualified) interest rate with at least 12 debit card or point-of-sale transactions that post and clear to the account before month-end. ATM transactions do not count. The qualified rate is applied for the month following the month in which all requirements are met. If qualifications are not met, a base rate applies.

A blended interest rate is a weighted average rate applied when multiple interest rate tiers apply to different portions of your account balance. NASB's Ultimate Savings account uses a blended rate. For example, if your balance spans two tiers, the portion in each tier earns that tier's rate, and the blended rate represents the overall average across your full balance.