Our Certificates of Deposit offer a safe, reliable way to grow your money. With fixed rates and terms that fit your goals, CDs are a wise choice for those who value stability and guaranteed returns. Explore our current rates and find the right CD for you.
Among the top rates in KC
FDIC-insured for your security
No monthly service fee
Lock in a guaranteed rate for the term of a certificate of deposit with NASB and earn money safely over the entire term. Choose from a variety of term options with competitive rates.
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 3.75% | 3.68% | $1,000 |
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 3.60% | 3.54% | $1,000 |
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 3.90% | 3.83% | $1,000 |
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.80% | 0.80% | $1,000 |
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.85% | 0.85% | $100 |
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.85% | 0.85% | $1,000 |
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.91% | 0.91% | $1,000 |
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 3.45% | 3.39% | $1,000 |
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.96% | 0.96% | $1,000 |
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 1.01% | 1.00% | $1,000 |
OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
1APY=Annual Percentage Yield. Effective Date: 3/13/2026. 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.
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.
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 3.75% | 3.68% | $5,000 |
National CD Auto Renewals: Unless withdrawn at maturity, these certificate of deposit accounts will automatically renew into an Online Renewal CD, contact NASB for current rates.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.
1APY=Annual Percentage Yield. Effective Date: 3/13/2026. 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.
For more information, please call 800-677-6272.
Provide your address, phone, email, Social Security number, and answer a few simple questions.
Make your initial deposit by entering your bank account details and transfer the minimum deposit to activate your account.
Open your account entirely online in just 10 minutes.
Ken McCormick, NASB Vice President of Relationship Management, explains how a CD laddering strategy may make sense to help you reach your financial goals.
NASB’s Certificate of Deposit is a fixed-term, fixed-rate account that earns interest, offers guaranteed returns, and is FDIC-insured. Typically, CDs offer higher yields than regular savings accounts when funds are held for the full term.
NASB allows you to open a CD either online or by visiting a branch. Usually, banks ask for personal information and an initial deposit to open a CD.
NASB currently requires a minimum of $1,000 for a standard CD and $100 for a Fixed Rate IRA CD. Minimum amounts vary by financial institution and CD type.
NASB calculates interest daily using the daily balance method and compounds it daily. Most CDs use either daily or monthly compounding, depending on the bank's policy.
NASB allows early withdrawals but imposes an early withdrawal penalty. CDs typically charge penalties to discourage early access and to preserve predictable yields.
NASB does not permit additional deposits until the CD matures. Most CDs do not allow add-on contributions unless they are marketed as ‘add-on CDs.’
NASB offers multiple fixed‑rate terms with competitive APYs. Banks typically provide terms from a few months to several years.
NASB CDs automatically renew upon maturity, with a seven‑day grace period for making changes without penalty. Auto‑renewal is a common feature of CDs that ensures continuous earnings.
NASB CDs are FDIC-insured up to the allowed limits. FDIC insurance covers qualifying deposit accounts at insured institutions.
NASB credits earned interest and provides a grace period to modify terms or withdraw funds. Most banks permit penalty-free adjustments within a short maturity window.
NASB permits in-branch CDs to be opened as IRA CDs with a fixed-rate structure. Many institutions offer IRA-based CDs for tax-advantaged savings.
Looking for more detailed answers?
Explore our complete Certificate of Deposit FAQs, including how CDs work, identification requirements, term guarantees, and much more!
