Account Rates

Check out our current deposit rates and apply today!

Account Rates


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: 2/9/2024


Prosper Checking2                       Open account
Minimum Balance
for APY1
APY1Minimum
to Open
$.01 - $4,999.990.55%$1,500
$5,000 - $49,999.99 (Non-Qualified)0.60%$1,500
$5,000 - $49,999.99 (Qualified)0.70%$1,500
$50,000 - $1,499,999.990.60%$1,500
$1,500,000 or greater0.55%$1,500
 

Thrive Checking                                   
Available in-branch only
Minimum Balance
for APY1
APY1Minimum
to Open
    No Interest   $100

 

Advance Checking                       Open account
Minimum Balance
for APY1
APY1Minimum
to Open
    No Interest   $100

 
Premium Money Market3            Open account
Minimum Balance
for APY1
APY1Minimum
to Open
$.01 - $24,999.990.45% $1,000
$25,000 - $1,499,999.990.55% $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 other than Prosper Checking and High Rate Savings with balances ≥ $1,500,000 earn 0.05% 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: 2/9/2024and 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 account
Minimum Balance
for APY1
APY1Minimum
to Open
Up to $1,499,9994.18%$1.00
$1,500,000 and greater1.36%$1.00

Performance Savings                               
Available in-branch only

Minimum Balance
for APY1
APY1Minimum
to Open
$5,000 - $24,999 0.20%$5,000
$25,000 - $49,999 0.25%$5,000
$50,000 - $74,999 0.30%$5,000
$75,000 - $124,999 0.35%$5,000
$125,000 - $199,999 0.35%$5,000
$200,000 - $1,499,9990.35%
$5,000

 
Select III Savings                          Open account
Minimum Balance
for APY1
APY1Minimum
to Open
Up to $24,9994.18%$500
$25,000 - $1,500,000+5.13%$500

 
Statement Savings                       Open account
Minimum Balance
for APY1
APY1Minimum
to Open
$.010.30%$100

 
IRA Savings                                               
Available in-branch only
Minimum Balance
for APY1
APY1Minimum
to Open
$.010.30%$100

 
Smart Savers Savings                             
Available in-branch only
Minimum Balance
for APY1
APY1Minimum
to Open
$.010.25%$50


Stepping Stones Savings                         
Available in-branch only
Minimum Balance
for APY1
APY1Minimum
to Open
$.010.25%$25
 

Super Saver Savings                    Open account
Minimum Balance
for APY1
APY1Minimum
to Open
$.010.35%$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 other than Prosper Checking and High Rate Savings with balances ≥ $1,500,000 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.

Online CD Specials


7-Month CD Special                      Open account
APY1Interest Rate1Minimum
to Open
5.15% 5.02%$1,000
 
11-Month CD Special                    Open account
APY1Interest Rate1Minimum
to Open
5.25%5.12%$1,000
 
18-Month CD Special                    Open account
APY1Interest Rate1Minimum
to Open
5.00%4.88%$1,000
 

In-Branch CD                        Find a branch


3-5 Month Term                                 
Available in-branch only
APY1Interest Rate1Minimum
to Open
0.90%0.90%
$1,000
 
6-11 Month Term                                 
Available in-branch only            
APY1Interest Rate1Minimum
to Open
0.90%
0.90%
$1,000
 
12 Month Fixed IRA                             
Available in-branch only
APY1Interest Rate1Minimum
to Open
0.95%
0.95%
$100
 
12-23 Month Term                             
Available in-branch only
APY1Interest Rate1Minimum
to Open
0.95%0.95%$1,000
 
24 Month Term                             
Available in-branch only
APY1Interest Rate1Minimum
to Open
1.01% 1.00%$1,000
 
36-47 Month Term                             

Available in-branch only

APY1Interest Rate1Minimum
to Open
1.16%1.15%
$1,000
 
48-59 Month Term                             
Available in-branch only
APY1Interest Rate1Minimum
to Open
1.06%1.05%
$1,000
 
60-120 Month Term                           
Available in-branch only
APY1Interest Rate1Minimum
to Open
1.11%1.10%
$1,000
All in-branch CDs may be opened as Individual Retirement Accounts (IRAs).

OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

1APY=Annual Percentage Yield. Effective Date: 2/9/2024. Interest compounded daily. Annual Percentage Yield assumes reinvestment of principal and interest at the same rate. Early withdrawal penalty may apply. Fees can reduce earnings on the account.

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

7-Month Term                                 Open account

 

APY1Interest Rate1Minimum
to Open
5.15%5.02%$5,000
  
13-Month Term                               Open account

 


APY1Interest Rate1Minimum
to Open
5.25%5.12%$5,000
  
24-Month Term                               Open account

APY1Interest Rate1Minimum
to Open
4.40%4.31%$5,000
 

OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

1APY=Annual Percentage Yield. Effective Date: 2/9/2024. Interest compounded daily. Annual Percentage Yield assumes reinvestment of principal and interest at the same rate. Early withdrawal penalty may apply. Fees can reduce earnings on the account.

 

For more information, please call 800-677-6272.

 

Interest Savings                            Open account
APY1Interest Rate1Minimum
to Open
5.24%5.11%$25,000
 

OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

1APY=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. Early withdrawal penalty may apply. Fees can reduce earnings on the account.

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 $5,000 a day or $20,000 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 customers' financial needs by providing a wide range of personal banking products along with competitive residential and commercial mortgages. 

A+ rating from the Better Business Bureau

Based on the most recent recent data from Better Business Bureau

$1.7B In total deposits

Based on the most recent year-end financial data

5 Star Rating from Bauer Financial

Based on the most recent quarter end data from Bauer Financial
What Our Customers Say
Judith S., January 23, 2024
★★★★★ (5)

"We have savings in many different banks, and NASB contacted us to suggest one of their higher-yield savings accounts. No other bank has ever done that for us and our accounts. Wonderful service above and beyond!"

Nationally competitive products. Individualized service.

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