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: 05/26/2023

Checking Accounts

Prosper Checking² Open an account

Minimum Balance for APY¹	APY¹	Minimum to Open
$.01 - $4,999.99	0.55%	$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 - $1,499,999.99	0.60%	$1,500
$1,500,000 or greater	0.55%	$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	0.65%	$1,000
$25,000 - $1,499,999.99	0.75%	$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: 05/26/2023 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.

Savings Accounts

High Rate Savings Open an account

Minimum Balance for APY¹	APY¹	Minimum to Open
$.01 - $49,000	3.87%	$1.00
$50,000 - $1,499,999	3.87%	$1.00
1,500,000 and greater	1.06%	$1.00

Performance Savings
Available in-branch only

Minimum Balance for APY¹	APY¹	Minimum to Open
$5,000 - $24,999	0.30%	$5,000
$25,000 - $49,999	0.35%	$5,000
$50,000 - $74,999	0.40%	$5,000
$75,000 - $124,999	0.45%	$5,000
$125,000 - $199,999	0.45%	$5,000
$200,000 - $1,499,999	0.45%	$5,000

Select III Savings
Available in-branch only

Minimum Balance for APY¹	APY¹	Minimum to Open
$.01 - $4,999	0.30%	$500
$5,000-$24,999	0.30%	$500
$25,000 - $74,999	0.35%	$500
$75,000- $1,499,999	0.45%	$500

Statement Savings Open an account

Minimum Balance for APY¹	APY¹	Minimum to Open
$.01	0.30%	$100

IRA Savings
Available in-branch only

Minimum Balance for APY¹	APY¹	Minimum to Open
$.01	0.30%	$100

Smart Savers Savings
Available in-branch only

Minimum Balance for APY¹	APY¹	Minimum to Open
$.01	0.25%	$50

Stepping Stones Savings
Available in-branch only

Minimum Balance for APY¹	APY¹	Minimum to Open
$.01	0.25%	$25

Super Saver Savings Open an account

Minimum Balance for APY¹	APY¹	Minimum to Open
$.01	0.45%	$15,000

OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

For more information please call one of our Personal Banking locations.

Certificates of Deposit

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	4.45%	4.35%	$1,000
$1,000 - $2,499	4.50%	4.40%	$1,000
$2,500 - $9,999	4.55%	4.45%	$1,000
$10,000 - $1,000,000	4.60%	4.50%	$1,000

15 Month Special Open an account

Total Checking Account Balance²	APY¹	Interest Rate¹	Minimum to Open
Base Rate	4.29%	4.20%	$1,000
$1,000 - $2,499	4.34%	4.25%	$1,000
$2,500 - $9,999	4.39%	4.30%	$1,000
$10,000 - $1,000,000	4.45%	4.35%	$1,000

24 Month Special Open an account

Total Checking Account Balance²	APY¹	Interest Rate¹	Minimum to Open
Base Rate	4.24%	4.15%	$1,000
$1,000 - $2,499	4.29%	4.20%	$1,000
$2,500 - $9,999	4.34%	4.25%	$1,000
$10,000 - $1,000,000	4.39%	4.30%	$1,000

3-Year Special Open an account

Total Checking Account Balance²	APY¹	Interest Rate¹	Minimum to Open
Base Rate	3.92%	3.85%	$1,000
$1,000 - $2,499	3.98%	3.90%	$1,000
$2,500 - $9,999	4.03%	3.95%	$1,000
$10,000 - $1,000,000	4.08%	4.00%	$1,000

3 - 5 Month Term
Available in-branch only

Total Checking Account Balance²	APY¹	Interest Rate¹	Minimum to Open
Base Rate	0.75%	0.75%	$1,000
$1,000 - $2,499	0.80%	0.80%	$1,000
$2,500 - $9,999	0.85%	0.85%	$1,000
$10,000 - $1,000,000	0.90%	0.90%	$1,000

6 - 11 Month Term
Available in-branch only

Total Checking Account Balance²	APY¹	Interest Rate¹	Minimum to Open
Base Rate	0.75%	0.75%	$1,000
$1,000 - $2,499	0.80%	0.80%	$1,000
$2,500 - $9,999	0.85%	0.85%	$1,000
$10,000 - $1,000,000	0.90%	0.90%	$1,000

12 Month Fixed IRA
Available in-branch only

Total Checking Account Balance²	APY¹	Interest Rate¹	Minimum to Open
Base Rate	0.80%	0.80%	$100
$1,000 - $2,499	0.85%	0.85%	$100
$2,500 - $9,999	0.90%	0.90%	$100
$10,000 - $1,000,000	0.95%	0.95%	$100

12 - 23 Month Term
Available in-branch only

Total Checking Account Balance²	APY¹	Interest Rate¹	Minimum to Open
Base Rate	0.80%	0.80%	$1,000
$1,000 - $2,499	0.85%	0.85%	$1,000
$2,500 - $9,999	0.90%	0.90%	$1,000
$10,000 - $1,000,000	0.95%	0.95%	$1,000

36 - 47 Month Term
Available in-branch only

Total Checking Account Balance²	APY¹	Interest Rate¹	Minimum to Open
Base Rate	1.01%	1.00%	$1,000
$1,000 - $2,499	1.06%	1.05%	$1,000
$2,500 - $9,999	1.11%	1.10%	$1,000
$10,000 - $1,000,000	1.16%	1.15%	$1,000

48 - 59 Month Term
Available in-branch only

Total Checking Account Balance²	APY¹	Interest Rate¹	Minimum to Open
Base Rate	0.90%	0.90%	$1,000
$1,000 - $2,499	0.95%	0.95%	$1,000
$2,500 - $9,999	1.01%	1.00%	$1,000
$10,000 - $1,000,000	1.06%	1.05%	$1,000

60 - 120 Month Term
Available in-branch only

Total Checking Account Balance²	APY¹	Interest Rate¹	Minimum to Open
Base Rate	0.95%	0.95%	$1,000
$1,000 - $2,499	1.01%	1.00%	$1,000
$2,500 - $9,999	1.06%	1.05%	$1,000
$10,000 - $1,000,000	1.11%	1.10%	$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.

Certificate of Deposit

7-Month Term Open an account

APY¹	Interest Rate¹	Minimum to Open
4.39%	4.30%	$5,000

13-Month Term Open an account

APY¹	Interest Rate¹	Minimum to Open
4.65%	4.55%	$5,000

24-Month Term Open an account

APY¹	Interest Rate¹	Minimum to Open
4.50%	4.40%	$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. Early withdrawal penalty may apply. Fees can reduce earnings on the account.

For more information please call 800-677-6272.

Online Banking FAQs

What are NASB’s transfer limits?

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.

How many external accounts can be attached to NASB’s online banking?

5 accounts

Is NASB FDIC insured?

Yes, we are FDIC insured.

What is the FDIC insurance certificate number?

NASB’s certificate number is 29708.

How much of my deposit will FDIC insurance cover?

We recommend the Electronic Deposit Insurance Estimator through the FDIC. It can be found at https://edie.fdic.gov.

Why isn’t my account showing up in my online banking?

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.

Will a credit freeze or fraud monitoring program effect my application?

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.

Can I have a joint owner on my account?

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.

Can I have a beneficiary on my account?

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.

Are you also a brick-and-mortar bank?

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.