Savings
From your first dollar saved to your next big milestone, our savings accounts make it easy to grow your money. Enjoy peace of mind, great rates, and tools that help you stay on track.
From the new saver to the retirement planner, we have your savings account.
NASB offers a variety of unique savings products designed to fit your specific needs. Select the savings account that's right for you to help achieve your financial goals.
High Rate Savings
- Online savings with great rates
- FDIC-insured to the maximum allowed by law
- Interest compounded daily
- Free online and mobile banking services
APY* on balances up to $1,499,999
Ultimate Savings
- Online savings with great rates
- FDIC-insured to the maximum allowed by law
- Interest compounded monthly
- Free online and mobile banking services
APY* on balances up to $1,999,999.99
Stepping Stones Savings
- Designed for youth ages 18 and under
- $25 minimum opening balance
- $0 minimum balance
- $7.50 monthly maintenance fee (if less than $25 and no monetary activity for 12 months)
Statement Savings
- Earn a great rate while maintaining full access to your funds
- $100 minimum opening deposit
- $100 minimum balance
- $7.50 monthly maintenance fee (if minimum not met)
- Free online and mobile banking services
Smart Savers Savings
- Save with the convenience of direct deposit and a great interest rate
- $50 minimum opening deposit
- $200 minimum balance after first six months
- $25 minimum monthly direct deposit required
- $0 monthly maintenance fee with direct deposit for the first six months then $7.50 if the minimum is not met
- Free online and mobile banking services Internet and/or wireless service provider charges may apply
Select III Savings
- Tiered savings with great rates and options to pay you more
- $500 minimum opening deposit
- $500 minimum balance
- $7.50 monthly maintenance fee (if minimum not met)
- Free online and mobile banking services Internet and/or wireless service provider charges may apply
Performance Savings
- Premium savings with competitive rates on higher balances
- $5,000 minimum opening deposit
- $5,000 minimum balance
- $7.50 monthly maintenance fee (if minimum not met)
- Free online and mobile banking services Internet and/or wireless service provider charges may apply
Super Saver Savings
- Save money faster with a great interest rate
- $15,000 minimum opening deposit
- $15,000 minimum balance
- $7.50 monthly maintenance fee (if minimum not met)
- Detailed quarterly statements
IRA Savings Account
- The tax advantages of saving plus anytime access to your money
- $100 minimum opening deposit
- $0 minimum balance
- $0 monthly maintenance fee
- Free online and mobile banking services (e-Statements required) Internet and/or wireless service provider charges may apply
Savings FAQs
- Find the most common answers to NASB savings accounts.
- Learn what you need to apply for an account.
- Find out which account is right for you.
Savings Account Rates
Ultimate Savings Open account
Available online only
High-Rate Savings Open account
Performance Savings
Available in-branch only
Select III Savings Open account
Statement Savings Open account
IRA Savings
Available in-branch only
Smart Savers Savings
Available in-branch only
Stepping Stones Savings
Available in-branch only
Super Saver Savings Open account
Available online only
| Minimum Balance for APY1 | APY1 | Minimum to Open |
|---|---|---|
| Up to $49,999.99 | 3.60% | $10,000 |
| $50,000 - $1,999,999 | 3.60% | $10,000 |
| $2,000,000 and greater | 0.01% | $10,000 |
High-Rate Savings Open account
| Minimum Balance for APY1 | APY1 | Minimum to Open |
|---|---|---|
| Up to $1,499,999 | 2.50% | $1.00 |
| $1,500,000 and greater | 0.37% | $1.00 |
Performance Savings
Available in-branch only
| Minimum Balance for APY1 | APY1 | Minimum 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 - $1,499,999.99 | 0.35% | $5,000 |
| $1,500,000+ | 0.15% | 0.15% |
Select III Savings Open account
| Minimum Balance for APY1 | APY1 | Minimum to Open |
|---|---|---|
| Up to $4,999.99 | 2.50% | $500 |
| $5,000 - $24,999.99 | 2.50% | $500 |
| $25,000 - $74,999.99 | 3.10% | $500 |
| $75,000 or greater | 3.60% | $500 |
Statement Savings Open 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 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. Effective Date: 4/17/2026. See Checking or Savings for account requirements. Rates may change after the account is opened. Fees can reduce earnings on the account. Additional information on Interest-bearing Checking and Savings accounts can be found at nasb.com/rates.
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.
What Our Customers Say
general banking testimonials
Open Your Savings Account in 3 Easy Steps!
Enter Your Info
Provide your address, phone, email, Social Security number, and answer a few simple questions.
Fund Your Account
Make your initial deposit by entering your bank account details and transfer the minimum deposit to activate your account.
Confirmation
Open your account entirely online in just 10 minutes.
Recognized Excellence
Recognized Excellence
Community Support
$8 Million+ Invested
In Kansas City communities since 2020
"Well Capitalized"
FDIC Capital Classification
As of quarter end 12/31/2025
Bauer Financial
Star ratings are current as of 01/09/2026 from Bauer Financial
Have questions about NASB savings accounts?
We have answers. Please feel free to reach out directly to us if you have further questions. We look forward to hearing from you!
What savings accounts does NASB offer?
NASB provides savings account options for both basic savings and higher‑yield opportunities. Banks usually offer multiple savings choices to suit different goals.
Do NASB savings accounts earn interest?
Yes, NASB savings accounts earn interest, with competitive APYs. Savings interest rates vary by bank and can change over time.
Are NASB savings accounts variable‑rate?
Yes, NASB savings account APYs are variable and can change. Most savings accounts have variable rates.
What is the minimum balance required to open a NASB savings account?
NASB sets minimum opening balance requirements that may vary by savings account type. Most savings accounts require an initial deposit to open.
Are there monthly fees on NASB savings accounts?
NASB savings accounts may charge monthly fees if certain balance requirements are not met. These monthly savings fees are often avoidable with qualifying balances.
How do I open a NASB savings account?
You can open a NASB savings account online or by visiting a branch. Opening a savings account involves providing personal details and funding the account.
Is mobile banking available for savings?
NASB’s Mobile Banking app lets you view balances and manage savings transfers. Click here to download and learn more about our app offerings.
How many transfers can I make from my savings account?
We no longer charge fees for excessive transfers from savings accounts.
Can I transfer funds between savings and checking?
Yes, NASB permits transfers between eligible savings and checking accounts. Internal transfers are standard banking features.
Where can I find current NASB savings rates?
NASB displays current savings interest rates and details on our Account Rates page. Savings rates may fluctuate, so reviewing current disclosures is recommended.
Are NASB savings accounts FDIC‑insured?
Yes, NASB savings accounts are FDIC-insured up to the applicable limits. FDIC insurance protects qualifying deposits.
How is a savings account different from a checking account?
NASB savings accounts emphasize earning interest, whereas checking accounts are intended for daily expenses. Savings accounts usually offer fewer transaction options.
Looking for more detailed answers?
Explore our complete Savings Account FAQs, including funding your account, using the mobile app, and setting up alerts.
Savings Calculators
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