Planning for Retirement

Here's how to make planning your retirement as simple as enjoying it.

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Your retirement questions answered

You work hard for your money and when you retire, you want your money to work for you. Here are tools to help you plan your retirement.

Helpful resources for retirement planning:

Calculator: How long will it take to reach my savings goal? 

This tool calculates the future value of your savings based on the information that you provide.

View here

 

Calculator: How much will my savings be worth? 

Discover how much investment growth you will realize from your savings account after a period of time.

View here

Blog: What’s the Difference Between Savings Accounts, CDs and Money Market Accounts? 

We've broken down the three most popular ways to save - savings accounts, CDs and money market accounts.

View here 

 

Savings Accounts

Learn about the different types of NASB savings accounts

View here

eBook: Everything you need to know about Certificate of Deposit Accounts  

Our eBook details how a CD may be the right choice for a retirement plan

Download here

 

Calculator: How much will my CD be worth at maturity? 

Enter your initial deposit, term and interest rate and this calculator will determine how much you will have earned on your CD after it matures.

View here

 

Ready to start planning your retirement? Start with these savings products:

  • The higher your balance the more you save
  • Monthly statements
  • Free Online Banking and Mobile Banking services
  • Direct deposit
Learn More: Select III Savings
  • FDIC-insured featuring a great rate
  • Free Mobile Banking with Mobile Check Deposit
  • Detailed quarterly statements
  • Free Online Banking and e-Statements
Learn More: Super Saver
  • Lock in a guaranteed rate for the length of the term
  • Earn higher rates combined with a NASB checking account.1
  • All deposits are FDIC-insured
  • No monthly service fee
Learn More: Certificates of Deposit
  • Security and tax advantages of saving without sacrificing access to money
  • Low opening balance
  • Free Financial Education & Management Tools
  • Free Mobile Banking and Online Banking
Learn More: IRA Savings

Savings and CD Account Rates

Ultimate Savings                          Open account
Available online only
Minimum Balance
for APY1		APY1Minimum
to Open
Up to $2,000,0004.15%$10,000
$2,000,001 and greater0.01%$10,000

High Rate Savings                        Open account
Minimum Balance
for APY1		APY1Minimum
to Open
Up to $1,499,9993.25%$1.00
$1,500,000 and greater0.47%$1.00

Performance Savings                               
Available in-branch only

Minimum Balance
for APY1		APY1Minimum
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 - $1,499,9990.35%
$5,000

 
Select III Savings                          Open account
Minimum Balance
for APY1		APY1Minimum
to Open
Up to $24,999 3.20%$500
$25,000 - $1,500,000+4.15%$500

 
Statement Savings                       Open account
Minimum Balance
for APY1		APY1Minimum
to Open
$.010.30%$100

 
IRA Savings                                               
Available in-branch only
Minimum Balance
for APY1		APY1Minimum
to Open
$.010.30%$100

 
Smart Savers Savings                             
Available in-branch only
Minimum Balance
for APY1		APY1Minimum
to Open
$.010.25%$50


Stepping Stones Savings                         
Available in-branch only
Minimum Balance
for APY1		APY1Minimum
to Open
$.010.25%$25
 

Super Saver Savings                    Open account
Minimum Balance
for APY1		APY1Minimum
to Open
$.010.35%$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.

 

14-Month CD Special                      Open account
APY1Interest Rate1Minimum
to Open
4.60%4.50%$1,000
 
23-Month CD Special                     Open account
APY1Interest Rate1Minimum
to Open
4.35%4.26%$1,000
 
3-5 Month Term                                 
Available in-branch only            
APY1Interest Rate1Minimum
to Open
0.90%0.90%
$1,000
 
6-11 Month Term                                 
Available in-branch only            
APY1Interest Rate1Minimum
to Open
0.90%
0.90%
$1,000
 
12-Month Fixed IRA                             
Available in-branch only
APY1Interest Rate1Minimum
to Open
0.95%
0.95%
$100
 
12-23 Month Term                             
Available in-branch only
APY1Interest Rate1Minimum
to Open
0.95%0.95%$1,000
 
24 Month Term                             
Available in-branch only
APY1Interest Rate1Minimum
to Open
1.01% 1.00%$1,000
 
36-47 Month Term                             

Available in-branch only

APY1Interest Rate1Minimum
to Open
1.16%1.15%
$1,000
 
48-59 Month Term                             
Available in-branch only
APY1Interest Rate1Minimum
to Open
1.06%1.05%
$1,000
 
60-120 Month Term                           
Available in-branch only
APY1Interest Rate1Minimum
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: 02/28/2025. 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 FAQs

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.
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. 
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.
Yes, all NASB savings accounts require a minimum monthly balance. Click here to find out the different required minimum balances are on each account.
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.




Open Your Savings Account in 3 Easy Steps!

 

Number 1 third

Enter Your Info

Provide your address, phone, email, Social Security number, and answer a few simple questions.

Number 2 third

Fund Your Account

Make your initial deposit by entering your bank account details and transfer the minimum deposit to activate your account.

number 3 third

Confirmation

Check your inbox for a confirmation email with your account number and all the details you need to get started.



Open your account entirely online in just 10 minutes.




Recognized Excellence


A+ Rating
Better Business Bureau

Based on the most recent data from Better Business Bureau

"Well Capitalized"

FDIC Capital Classification

 

As of quarter end December 31, 2024


Bauer Financial

Star ratings are current as of 02/24/2025 from Bauer Financial


What Our Customers Say
Judith S., January 23, 2024
★★★★★ (5)

"We have savings in many different banks, and NASB contacted us to suggest one of their higher-yield savings accounts. No other bank has ever done that for us and our accounts. Wonderful service above and beyond!"

1Primary 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.