NASB’s Prosper Checking account comes with:
Free Digital Banking Tools1
Everything you need to bank, no matter where you are...or what the circumstances.
- Online banking
- Bill pay
- e-Statements
- Debit card
- Mobile banking with free mobile check deposit
- Mobile payments
Triple Threat Protection
 | Cell Phone Protection2,3 Receive up to $400 per claim ($800 per year) if your cell phone is cracked, broken, or stolen. | |
 | Roadside Assistance3 Available 24/7 and free to use up to $80 in covered service charges. | |
 | ID Theft Aid2,3 Includes payment card fraud resolution, $2,500 in personal identity theft benefit and identity restoration. |
Plus...money saving benefits!
Local discounts and national retailer deals to save you money on shopping, dining, travel and more.
| Prosper Checking4 | |
|---|---|
| Account benefits | |
| Interest on Your Checking Balance | Included |
| Minimum Opening Balance | $1,500 |
| Monthly Minimum Balance | $1,500 |
| Monthly Fee | $8 waived with $1500 minimum balance |
Prosper checking
| Interest on Your Checking Balance | Included |
| Minimum Opening Balance | $1,500 |
| Monthly Minimum Balance | $1,500 |
| Monthly Fee | $8 waived with $1500 minimum balance |
Thrive checking
| Interest on Your Checking Balance | |
| Minimum Opening Balance | $100 |
| Monthly Minimum Balance | $0 |
| Monthly Fee | $6 |
Earn higher CD rates with a NASB checking account.
Pair your Prosper Checking account with a NASB Certificate of Deposit to earn even better rates. If you have savings that you won’t need to access for a while, a Certificate of Deposit might be an ideal savings plan. Generally, the longer your term length, the higher the interest rate, and the more money you'll earn.Current Rates - Effective Date: 4/03/2026
Checking Accounts
Flourish Checking2 Open account
Prosper Checking3 Open account
Thrive Checking
Available in-branch only
Premium Money Market4 Open account
Flourish Checking2 Open account
| Minimum Balance for APY1 | APY1 | Minimum to Open |
|---|---|---|
| $.01 - $19,999.99 | 0.45% | $5,000 |
| $20,000 - $1,499,999.99 | 1.10% | $5,000 |
| $1,500,000 or Greater | 0.60% | $5,000 |
Prosper Checking3 Open account
| Minimum Balance for APY1 | APY1 | Minimum to Open |
|---|---|---|
| $.01 - $4,999.99 | 0.45% | $1,500 |
| $5,000 - $49,999.99 (Non-Qualified) | 0.45% | $1,500 |
| $5,000 - $49,999.99 (Qualified) | 0.55% | $1,500 |
| $50,000 - $1,499,999.99 | 0.50% | $1,500 |
| $1,500,000 or greater | 0.50% | $1,500 |
Thrive Checking
Available in-branch only
| Minimum Balance for APY1 | APY1 | Minimum to Open |
|---|---|---|
| No Interest | $100 |
Advance Checking Open account
| Minimum Balance for APY1 | APY1 | Minimum to Open |
|---|---|---|
| No Interest | $100 |
Premium Money Market4 Open account
| Minimum Balance for APY1 | APY1 | Minimum to Open |
|---|---|---|
| $.01 - $24,999.99 | 0.40% | $1,000 |
| $25,000 - $1,499,999.99 | 0.50% | $1,000 |
| $1,500,000 or greater | 0.50% | $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, and fees can reduce earnings.
2Monthly requirements to earn Qualified rate. See Truth in Savings brochure for requirements. To earn the highest rate on balances up to $1,499,999.99, the account must have at least 12 debit cards or point-of-sale transactions (does not include ATM transactions and must post and clear to the account before month-end). Qualified rate given for the month following the month in which all qualifications are met.
3Monthly 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 cards or point-of-sale transactions (does not include ATM transactions and must post and clear to the account before month-end). Qualified rate is given for the month following which all qualifications are met.
4Fees may reduce earnings on the account.
Customer transactions are routinely posted to customers’ accounts during our regular business hours, which include Saturdays.
For more information, please call one of our Personal Banking locations.
Savings Accounts
Ultimate Savings2 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. See Checking or Savings for account requirements. Rates may change after the account is opened. Fees can reduce earnings on the account.
2Ultimate Savings has a Blended Interest Rate. The blended interest rate represents the weighted average rate applied when multiple interest rate tiers apply to different portions of an account balance.
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.
Certificates of Deposit
3-5 Month Term
Available in-branch only
6-11 Month Term
Available in-branch only
12-Month Fixed IRA
Available in-branch only
12-23 Month Term
Available in-branch only
24 Month Term
Available in-branch only
48-59 Month Term
60-120 Month Term
3-Month CD Open account
11-Month CD Open account
23-Month CD Open account
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 3.90% | 3.83% | $1,000 |
11-Month CD Open account
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 3.75% | 3.68% | $1,000 |
23-Month CD Open account
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 3.60% | 3.54% | $1,000 |
3-5 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 3.90% | 3.83% | $1,000 |
6-11 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.80% | 0.80% | $1,000 |
12-Month Fixed IRA
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.85% | 0.85% | $100 |
12-23 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.85% | 0.85% | $1,000 |
24 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.91% | 0.91% | $1,000 |
36-47 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 3.45% | 3.39% | $1,000 |
48-59 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.96% | 0.96% | $1,000 |
60-120 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 1.01% | 1.00% | $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: 4/03/2026. 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.
Prosper Checking
1Internet and/or wireless service provider charges may apply.
2Cell phone protection and personal identity theft benefit are subject to additional terms and conditions. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.
3Insurance products are: NOT A DEPOSIT. NOT FDIC INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY NASB.
4Annual Percentage Yield (“APY”), Effective Date: 4/03/2026, valid for accounts opened in-branch and online. $1,500 minimum balance to open Prosper Checking. Rates subject to change without notice and rates may change after the account is opened. Fees can reduce earnings on the account. Monthly requirements to earn Qualified rate. See Truth in Savings brochure for requirements.
Certificates of Deposit
1Annual Percentage Yield (“APY”), Effective Date: 4/03/2026, valid for accounts opened in-branch and online. Rates subject to change without notice. Fees can reduce earnings on the account. $1,000 minimum balance to open CD. Interest compounded daily, paid quarterly. Annual Percentage Yield assumes reinvestment of principal and interest at the same rate. Early withdrawal penalty may apply.
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.
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