Facebook Pixel

Account Rates

Check out our current deposit rates and apply today!



Put your money to work with competitive deposit rates.

Here you will find current rates for the NASB deposit products. Our rates can vary based on the type of account, minimum balance, and term. For home loan rates, please check here.

Current Rates - Effective Date: 9/29/2022


Prosper Checking2                          Open an account

Minimum Balance
for APY1
APY1 Minimum
to Open
$.01 - $4,999.99 0.20% $1,500
$5,000 - $49,999.99 (Non-Qualified) 0.25% $1,500
$5,000 - $49,999.99 (Qualified) 0.35% $1,500
$50,000 - $1,499,999.99 0.25% $1,500
 

Thrive Checking                                   
Available in-branch only

Minimum Balance
for APY1
APY1 Minimum
to Open
   No Interest    $100

 

Advance Checking                        Open an account

Minimum Balance
for APY1
APY1 Minimum
to Open
   No Interest    $100

 

Premium Money Market3             Open an account

Minimum Balance
for APY1
APY1 Minimum
to Open
$.01 - $24,999.99 0.45% $1,000
$25,000 - $1,499,999.99 0.55% $1,000

 

OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

1APY = 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. Interest bearing Checking and Savings accounts with balances over $1,500,000 earn 0.10% APY.

2Monthly requirements to earn Qualified rate. See Truth in Savings brochure for requirements. 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 (does not include ATM transactions and must post and clear to the account prior to month-end). Qualified rate given for the month following the month in which all qualifications are met.

3Promotional rates effective as of: 9/29/2022 and valid for new personal accounts and new money only. Fees may reduce earnings on the account.

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.

High-Rate Savings                        Open an account

Minimum Balance
for APY1
APY1 Minimum
to Open
$.01 - $49,000 2.12% $1.00
$50,000 - $1,499,999 2.12% $1.00

Performance Savings                               
Available in-branch only

Minimum Balance
for APY1
APY1 Minimum
to Open
$5,000 - $24,999.99 0.20% $5,000
$25,000 - $49,999.99 0.25% $5,000
$50,000 - $74,999.99 0.30% $5,000
$75,000 - $124,999.99 0.35% $5,000
$125,000 - $199,999.99 0.35% $5,000
$200,000 or Greater 0.35%
$5,000

 

Select III Savings                                  
Available in-branch only

Minimum Balance
for APY1
APY1 Minimum
to Open
$.01 - $4,999.99 0.20% $500
$5,000-$24,999.99 0.20% $500
$25,000 - $74,999.99 0.25% $500
$75,000 or Greater 0.35% $500

 

Statement Savings                        Open an account

Minimum Balance
for APY1
APY1 Minimum
to Open
$.01 0.20% $100

 

IRA Savings                                               
Available in-branch only

Minimum Balance
for APY1
APY1 Minimum
to Open
$.01 0.20% $100

 

Smart Savers Savings                             
Available in-branch only

Minimum Balance
for APY1
APY1 Minimum
to Open
$.01 0.15% $50


Stepping Stones Savings                         
Available in-branch only

Minimum Balance
for APY1
APY1 Minimum
to Open
$.01 0.15% $25
 

Super Saver Savings                    Open an account

Minimum Balance
for APY1
APY1 Minimum
to Open
$.01 0.35% $15,000

 

OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

1APY = 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. Interest bearing Checking and Savings accounts with balances of $1,500,000 or over earn 0.05% APY.

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.

All in-branch CDs may be opened as Individual Retirement Accounts (IRAs).

CD interest rate is calculated based on your total NASB checking account balance.2

 
Online CD Specials

 

7 Month Special                             Open an account

Total Checking Account Balance2 APY1 Interest Rate1 Minimum
to Open
Base Rate 1.97% 1.95% $1,000
$1,000 - $2,499 2.02% 2.00% $1,000
$2,500 - $9,999 2.07% 2.05% $1,000
$10,000 - $1,000,000 2.12% 2.10% $1,000
 
 

15 Month Special                           Open an account

 
Total Checking Account Balance2 APY1  Interest Rate1  Minimum
to Open 
Base Rate 2.22% 2.20% $1,000
$1,000 - $2,499 2.28% 2.25% $1,000
$2,500 - $9,999 2.33% 2.30% $1,000
$10,000 - $1,000,000 2.38% 2.35% $1,000
 
 

24 Month Special                           Open an account

Total Checking Account Balance2 APY1  Interest Rate1  Minimum
to Open 
Base Rate 2.74% 2.70% $1,000
$1,000 - $2,499 2.79% 2.75% $1,000
$2,500 - $9,999 2.84% 2.80% $1,000
$10,000 - $1,000,000 2.89% 2.85% $1,000
 


3-Year Special                                
Open an account

Total Checking Account Balance2 APY1  Interest Rate1  Minimum
to Open 
Base Rate 2.99% 2.95% $1,000
$1,000 - $2,499 3.04% 3.00% $1,000
$2,500 - $9,999 3.10% 3.05% $1,000
$10,000 - $1,000,000 3.15% 3.10% $1,000

 
 
 

3 - 5 Month Term                                 
Available in-branch only

Total Checking Account Balance2 APY1 Interest Rate1 Minimum
to Open
Base Rate 0.30% 0.30%
$1,000
$1,000 - $2,499 0.35%
0.35% $1,000
$2,500 - $9,999 0.40% 0.40% $1,000
$10,000 - $1,000,000 0.45% 0.45% $1,000
 
 

6 - 11 Month Term                                 
Available in-branch only            

Total Checking Account Balance2 APY1 Interest Rate1 Minimum
to Open
Base Rate 0.30%
0.30%
$1,000
$1,000 - $2,499 0.35%
0.35% $1,000
$2,500 - $9,999 0.40% 0.40% $1,000
$10,000 - $1,000,000 0.45% 0.45% $1,000
 
 

12 Month Fixed IRA                             
Available in-branch only

Total Checking Account Balance2 APY1 Interest Rate1 Minimum
to Open
Base Rate 0.35%
0.35%
$100
$1,000 - $2,499 0.40%
0.40% $100
$2,500 - $9,999 0.45% 0.45% $100
$10,000 - $1,000,000 0.50% 0.50% $100
 
 

12 - 23 Month Term                             
Available in-branch only

Total Checking Account Balance2 APY1 Interest Rate1 Minimum
to Open
Base Rate 0.35% 0.35% $1,000
$1,000 - $2,499 0.40%
0.40% $1,000
$2,500 - $9,999 0.45% 0.45% $1,000
$10,000 - $1,000,000 0.50% 0.50% $1,000
 

24 - 35 Month Term                             
Available in-branch only

Total Checking Account Balance2 APY1 Interest Rate1 Minimum
to Open
Base Rate 2.74% 2.70%
$1,000
$1,000 - $2,499 2.79%
2.75% $1,000
$2,500 - $9,999 2.84% 2.80% $1,000
$10,000 - $1,000,000 2.89% 2.85% $1,000
 
 

36 - 47 Month Term                             
Available in-branch only

Total Checking Account Balance2 APY1 Interest Rate1 Minimum
to Open
Base Rate 0.55% 0.55%
$1,000
$1,000 - $2,499 0.60%
0.60% $1,000
$2,500 - $9,999 0.65% 0.65% $1,000
$10,000 - $1,000,000 0.70% 0.70% $1,000
 
 

48 - 59 Month Term                             
Available in-branch only

Total Checking Account Balance2 APY1 Interest Rate1 Minimum
to Open
Base Rate 0.65% 0.65%
$1,000
$1,000 - $2,499 0.70%
0.70% $1,000
$2,500 - $9,999 0.75% 0.75% $1,000
$10,000 - $1,000,000 0.80% 0.80% $1,000
 
 

60 - 120 Month Term                           
Available in-branch only

Total Checking Account Balance2 APY1 Interest Rate1 Minimum
to Open
Base Rate 0.70% 0.70%
$1,000
$1,000 - $2,499 0.75%
0.75% $1,000
$2,500 - $9,999 0.80% 0.80% $1,000
$10,000 - $1,000,000 0.85% 0.85% $1,000


OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

1APY=Annual Percentage Yield. Interest compounded daily. Annual Percentage Yield assumes reinvestment of principal and interest at the same rate. Rates may change after the account is opened. Early withdrawal penalty may apply. Fees can reduce earnings on the account.

2Primary relationship based on the aggregate daily balances in your NASB Checking account(s), on which you are the primary or secondary account holder. Money Market accounts are NOT eligible for Relationship Certificate of Deposit (CD) rates. The CD base interest rate is guaranteed for the term of the CD. Additional Relationship CD rate may vary daily based upon aggregate checking balances.

For more information please call 800-677-6272 or visit one of our Personal Banking locations

7-Month Term                                 Open an account

APY1 Interest Rate1 Minimum
to Open
2.99% 2.95% $5,000
  
13-Month Term                               Open an account

APY1 Interest Rate1 Minimum
to Open
3.15% 3.10% $5,000
  
24-Month Term                               Open an account

APY1 Interest Rate1 Minimum
to Open
3.41% 3.35% $5,000
 

OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

1APY=Annual Percentage Yield. Interest compounded daily. Annual Percentage Yield assumes reinvestment of principal and interest at the same rate. Rates may change after the account is opened. Early withdrawal penalty may apply. Fees can reduce earnings on the account.

 

For more information please call 800-677-6272.

Premium Rate Savings                 Open an account

APY1 Interest Rate1 Minimum
to Open
2.79% 2.75% $25,000
 

OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

1APY=Annual Percentage Yield. Interest is compounded daily. Annual Percentage Yield assumes reinvestment of principal and interest at the same rate. Rates may change after the account is opened. Early withdrawal penalty may apply. Fees can reduce earnings on the account. 2.79% APY on Premium Rate Savings is only good on balances $0.01 - $1,499,999.99. APY is 0.05% on whole balances $1,500,000.00 and over.

For more information please call 800-677-6272.




Online Banking FAQs

Funding limits vary and are set within the online account application. NASB Online Banking has a transfer limit of $20,000 a day or $250,000 in a rolling month. These funds are sent and received by a three day ACH process. NASB does not place a limit on funds initiated by outside banks.
Yes, we are FDIC insured.

NASB’s certificate number is 29708. 

If you do not see your account in NASB Online Banking right away, it will appear as soon as the account has been funded. NASB funds online accounts once a day, between 3pm and 5pm Central Standard Time.
Yes, it will. Any credit freeze will need to be temporarily lifted and any fraud monitoring program will need to be contacted before you complete your application.
Yes! These online accounts are available as Single or Joint Tenancy with Rights of Survivorship only. They are not available to the ownership of a Trust, Estate, or a Business.

Yes!  Sign in to your online banking, then click Profile, Messages and Compose New. We require the first name, last name, address, date of birth, phone number and social security number for each beneficiary to be added. 

Yes, North American Savings Bank (NASB) is a local bank and national mortgage lender headquartered in Kansas City, Missouri.  We operate ten branch locations in the greater KC metro area. For 95 years, NASB has served the financial needs of customers by providing a wide range of personal banking products along with competitive residential and commercial mortgages. 

Local banking. National lending.

A+ rating from the Better Business Bureau

Based on the most recent recent data from Better Business Bureau

Over $1.7 Billion in total deposits

Based on the most recent year-end financial data

Five Star rating from Bauer Financial

Based on the most recent quarter end data from Bauer Financial
What Our Customers Say
Gertrude W., March 22, 2021
★★★★★ (5)

"I am a repeat customer of NASB and I always recommend family and friends to use their services."

Nationally competitive products. Individualized service.

kc skyline