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 daily
- Free online and mobile banking services
APY* on balances up to $2,000,000.
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 $2,000,000 | 4.00% | $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 | 3.00% | $1.00 |
| $1,500,000 and greater | 0.47% | $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 | 3.15% | $500 |
| $25,000 - $1,500,000+ | 4.00% | $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: 9/12/2025. 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
$5 Million+ Invested
In Kansas City communities since 2020
"Well Capitalized"
FDIC Capital Classification
As of quarter end March 31, 2025
Bauer Financial
Star ratings are current as of 05/11/2025 from Bauer Financial
Savings FAQs
Which savings account is right for me?
Choosing the right savings account that best meets your financial needs depends on the minimum amount you can open with, the minimum balance you can maintain, and what features and services you would like. Click here to find out more about the seven different savings accounts NASB offers.
Do I need to keep a certain amount of money in my savings account?
Yes, all NASB savings accounts require a minimum monthly balance. Click here to find out the different required minimum balances are on each account.
How do I open a NASB savings account?
When you're ready to open a NASB savings account, simply click here to start the process or visit one of our branches. If you have questions, don't hesitate to call us at 816-316-4000, option 3.
What is an IRA account?
An IRA is a retirement account that allows an individual to save with tax-free growth or on a tax-deferred basis. NASB has a number of IRA savings opportunities available, including traditional and Roth IRAs. Please contact customer service at 816-316-4000 or visit a NASB branch to find out more.
Can I access my account information online?
Yes, NASB offers 24/7 banking with our Online Banking solution. You can view your accounts, transfer funds, create alerts, pay bills and much more, all for free! Click here for more information on how to get Online Banking.
Savings Calculators
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