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: 11/15/2024
Checking Accounts
Prosper Checking2 Open account
Thrive Checking
Available in-branch only
Premium Money Market3 Open account
Prosper Checking2 Open 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 account
| Minimum Balance for APY1 | APY1 | Minimum to Open |
|---|---|---|
| No Interest | $100 |
Premium Money Market3 Open account
| Minimum Balance for APY1 | APY1 | Minimum to Open |
|---|---|---|
| $.01 - $24,999.99 | 0.45% | $1,000 |
| $25,000 - $1,499,999.99 | 0.55% | $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, and fees can reduce earnings. 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: 11/15/2024and 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.
Savings Accounts
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 $2,000,000 | 4.55% | $10,000 |
| $2,000,001 and greater | 0.01% | $10,000 |
High Rate Savings Open account
| Minimum Balance for APY1 | APY1 | Minimum to Open |
|---|---|---|
| Up to $1,499,999 | 3.65% | $1.00 |
| $1,500,000 and greater | 0.87% | $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 - $124,999 | 0.35% | $5,000 |
| $125,000 - $199,999 | 0.35% | $5,000 |
| $200,000 - $1,499,999 | 0.35% | $5,000 |
Select III Savings Open account
| Minimum Balance for APY1 | APY1 | Minimum to Open |
|---|---|---|
| Up to $24,999 | 3.60% | $500 |
| $25,000 - $1,500,000+ | 4.55% | $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. Interest-bearing Checking and Savings accounts with balances over $1,500,000 earn 0.10% 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.
Certificates of Deposit
11-Month CD Special Open account
23-Month CD Special Open account
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
7-Month CD Special Open account
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 4.75% | 4.64% | $1,000 |
11-Month CD Special Open account
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 4.55% | 4.45% | $1,000 |
23-Month CD Special Open account
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 4.35% | 4.26% | $1,000 |
3-5 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.90% | 0.90% | $1,000 |
6-11 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.90% | 0.90% | $1,000 |
12 Month Fixed IRA
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.95% | 0.95% | $100 |
12-23 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.95% | 0.95% | $1,000 |
24 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 1.01% | 1.00% | $1,000 |
36-47 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 1.16% | 1.15% | $1,000 |
48-59 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 1.06% | 1.05% | $1,000 |
60-120 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum 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: 11/15/2024. 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.
Savings Accounts
E-Savings Open account
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 4.55% | 4.45% | $10,000 |
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.
Certificate of Deposit
11-Month CD Special Open account
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
7-Month CD Special Open account
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 4.75% | 4.64% | $1,000 |
11-Month CD Special Open account
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 4.55% | 4.45% | $1,000 |
3-5 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.90% | 0.90% |
$1,000 |
6-11 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.90% |
0.90% |
$1,000 |
12 Month Fixed IRA
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.95% |
0.95% |
$100 |
12-23 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 0.95% | 0.95% | $1,000 |
24 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 1.01% | 1.00% | $1,000 |
36-47 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 1.16% | 1.15% |
$1,000 |
48-59 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum to Open |
|---|---|---|
| 1.06% | 1.05% |
$1,000 |
60-120 Month Term
Available in-branch only
| APY1 | Interest Rate1 | Minimum 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: 11/15/2024. 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.
Savings Accounts
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 $2,000,000 | 4.55% | $10,000 |
| $2,000,001 and greater | 0.01% | $10,000 |
High Rate Savings Open account
| Minimum Balance for APY1 |
APY1 | Minimum to Open |
|---|---|---|
| Up to $1,499,999 | 3.65% | $1.00 |
| $1,500,000 and greater | 0.87% | $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 - $124,999 | 0.35% | $5,000 |
| $125,000 - $199,999 | 0.35% | $5,000 |
| $200,000 - $1,499,999 | 0.35% |
$5,000 |
Select III Savings Open account
| Minimum Balance for APY1 |
APY1 | Minimum to Open |
|---|---|---|
| Up to $24,999 | 3.60% | $500 |
| $25,000 - $1,500,000+ | 4.55% | $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. Interest-bearing Checking and Savings accounts with balances over $1,500,000 earn 0.10% 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 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 for external transfers 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 affect my application when I apply for an online account?
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.
In applying for an online account, 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 customers' financial needs by providing a wide range of personal banking products along with competitive residential and commercial mortgages.
