Save More Money

Resources for when you need help saving for the things in your life.

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What, when and how to save.

Saving money is vital for financial security and to be able to fund the things that are important in your life. You may want to establish a savings account to save for:

  • Purchasing a home
  • Getting out of debt
  • Buying a car
  • Unforeseen or emergency expenses
  • College tuition

Getting set up with the right savings plan for your situation is important for reaching your financial goals. Here's some ways to get you on the right track.

Helpful resources for saving:

 

Blog: When Is the Right Time to Start a Savings Account?

It's never too soon to begin saving. The next step is to choose the correct savings account for you.

View here


 

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

This tool calculates the future value of your savings based on the information 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

   
   
 

Savings Accounts

NASB offers a variety of unique savings products designed to fit your specific needs and help you achieve your financial goals.

View here

   
 

Certificate of Deposit Accounts

Choose a NASB certificate of deposit offering various term options and competitive rates.

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 markets.

View here

   
 

Blog: 5 Steps to Paying Off Credit Card Debt

If you need to start fixing your credit card debt, these five steps can help.

View here

 

Blog: 5 Ways to Start Saving Money

Money-saving strategies are essential for long-term financial success. Here are five ways to start saving your money.

View here

   
 

Calculator: What’s it worth to reduce my spending?

This tool shows how reducing spending may be beneficial if you instead invest in savings.

View here

 

Start saving with these products:

  • Online savings with great rates
  • $1.00 minimum deposit to open
  • Free Mobile Check Deposit using NASB Mobile Banking1
  • Interest compounded daily
  • Rate Image APY2 on balances of $1.00 or more
Learn More: High Rate Savings

  • Online savings with great rates
  • Free Mobile Check Deposit using NASB Mobile Banking1
  • FDIC-insured to the maximum allowed by law
  • Interest compounded daily
  • Rate Image APY3 on balances up to $2,000,000.

Learn More: Ultimate Savings
  • Premium savings with competitive rates on higher balances
  • $5,000 minimum opening deposit
  • Free Mobile Check Deposit using NASB Mobile Banking1
  • Interest compounded daily
Learn More: Performance Savings
  • Lock in a guaranteed rate for the term of the CD
  • Choose from a variety of terms and rates to find the best fit
  • Interest compounded daily
Learn More: Certificates of Deposit

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: 03/21/2025. 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.

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. 



Savings FAQs

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.
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.
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. 




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!"

1In order to access Mobile Banking & Mobile Check Deposit, you must first be enrolled in NASB’s Online Banking and have a current email address on file. Internet and/or wireless service provider charges may apply.

2APY=Annual Percentage Yield. Available online through nasb.com only. Effective Date: 03/21/2025. The minimum balance required to open is $1.00. Interest is compounded daily and paid monthly. Rates are subject to change at any time without notice. Rates may change after the account is opened. High-Rate Savings earns 3.25% APY with minimum balances up to $1,499,999 and balances greater than $1,500,000 earn 0.47% APY. If you close the account within 90 days of opening, a $30 Account Closure Fee will be applied to your account. Fees can reduce earnings on the account.

3APY=Annual Percentage Yield. Available online through nasb.com only. Effective Date: 03/21/2025. Minimum balance required to open is $10,000.00. Interest is compounded daily and paid monthly. Rates are subject to change at any time without notice. Ultimate Savings earns 4.15% APY with minimum balances between $.01-$2,000,000 and 0.01% APY with minimum balances $2,000,001+.  If you close the account within 90 days of opening, a $30 Account Closure Fee will be applied to your account. Fees can reduce earnings on the account. Rates only available in the Greater Kansas City (KS/MO) area.

4APY=Annual Percentage Yield , Effective Date: 03/21/2025, valid for accounts opened in-branch and online. Rates subject to change without notice and after the account is opened. Rate information was obtained from Bankrate.com on 9/27/2024. APYs are subject to change at any time.