North American Savings Bank, F.S.B. savings, CD and money market rates
North American Savings Bank, F.S.B. advertises up to 3.75% APY on its Select III Savings account. The 3.75% needs a balance of at least $75,000. Below that, the account advertises 2.50%.
On a $10,000 balance the account earns 2.50% overall, about $250 in a year, which is 2.13 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #107 of 2786 tracked savings rates by advertised APY. For a $10,000 balance it would rank #235.
Estimate your earnings·What North American Savings Bank, F.S.B. actually pays
North American Savings Bank, F.S.B. at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 3.75% · Select III Savings · needs at least $75,000 |
| Minimum to open | $500 · Select III Savings |
| Against the national average | 3.38 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.70% · 36 months · 36-Month CD |
| Minimum to open | $1,000 · 36 months CD |
| Against the national average | 3.34 percentage points above the 1.36% FDIC 36-month CD average (Sep 2026) |
| Money market | |
| Top money market APY | Up to 0.50% · Premium Money Market · balances of $25,000 to $1,499,999.99 only |
| Minimum to open | $1,000 · Premium Money Market |
| Against the national average | 0.13 percentage points below the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 29708 · Grandview, MO |
|---|---|
| Website | www.nasb.com |
| Branches | 10 branches in MO |
| Availability | Available in MO |
North American Savings Bank, F.S.B. savings, CD and money market rates
Personal
How the rate applies
How the rate applies
How the rate applies
How the rate applies
IRA
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
North American Savings Bank, F.S.B. CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3-5 months | 1.00% | $1,000 | 3–5 Month Term |
| 6-11 months | 0.80% | $1,000 | 6–11 Month Term |
| 12-23 months | 0.85% | $1,000 | 12–23 Month Term |
| 13 months | 4.00% | $5,000 | 13-Month Term CD |
| 14 months | 4.35% | $1,000 | 14-Month CD |
| 23 months | 4.50% | $1,000 | 23-Month CD |
| 24 months | 0.91% | $1,000 | 24 Month Term |
| 36 months | 4.70% | $1,000 | 36-Month CD |
| 36-47 months | 4.70% | $1,000 | 36–47 Month Term |
| 48-59 months | 0.96% | $1,000 | 48–59 Month Term |
| 60-120 months | 1.01% | $1,000 | 60–120 Month Term |
| IRA CDs | |||
| 12 months | 0.85% | $100 | 12-Month Fixed IRA |
Interactive Tool
Calculate Savings for North American Savings Bank, F.S.B.
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$961.40(6.4%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,961.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What North American Savings Bank, F.S.B. pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 3.75% needs a balance of at least $75,000. Below that, the account advertises 2.50%.
In Q2 2026, North American SB paid a higher average rate on savings and money market deposits than 94% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- North American SB, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Select III Savings | 3.75% | $500 | $0 | None | not stated | None | Tiered | |
| E-Savings | 3.60% | $10,000 | $0 | None | not stated | None | One rate | |
| Fine print: This account can be opened only online. | ||||||||
| Ultimate Savings | 3.60% | $10,000 | $0 | $1,999,999 | not stated | None | Tiered | |
| Fine print: This account can be opened only online. NASB applies a blended rate: when a balance spans more than one tier, each portion earns the rate for that tier and the overall rate is the weighted average. | ||||||||
| High-Rate Savings | 2.50% | $1 | $0 | None | not stated | None | Tiered | |
| Performance Savings | 0.35% | $5,000 | $5,000 | $1,499,999 | not stated | None | Tiered | |
| Fine print: This account can be opened only at an NASB branch. The highest rate tier applies to balances up to $1,499,999. Balances of $1,500,000 or greater earn a lower rate. | ||||||||
| Super Saver Savings | 0.35% | $15,000 | $0 | None | not stated | None | One rate | |
| Statement Savings | 0.30% | $100 | $0 | None | not stated | None | One rate | |
| Premium Money Market | 0.50% | $1,000 | $0 | $1,499,999.99 | not stated | None | Tiered | |
| Fine print: The highest rate tier applies to balances up to $1,499,999.99. Balances of $1,500,000 or greater earn a lower rate. | ||||||||
| IRA | ||||||||
| IRA Savings | 0.30% | $100 | $0 | None | not stated | None | One rate | |
| Fine print: This account can be opened only at an NASB branch. | ||||||||
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 3–5 Month Term | 3-5 months | 1.00% | $1,000 | not stated | not stated |
| 6–11 Month Term | 6-11 months | 0.80% | $1,000 | not stated | not stated |
| 12–23 Month Term | 12-23 months | 0.85% | $1,000 | not stated | not stated |
| 13-Month Term CD | 13 months | 4.00% | $5,000 | not stated | not stated |
| Fine print: This CD can be opened only online. | |||||
| 14-Month CD | 14 months | 4.35% | $1,000 | not stated | not stated |
| 23-Month CD | 23 months | 4.50% | $1,000 | not stated | not stated |
| 24 Month Term | 24 months | 0.91% | $1,000 | not stated | not stated |
| 36-Month CD | 36 months | 4.70% | $1,000 | not stated | not stated |
| 36–47 Month Term | 36-47 months | 4.70% | $1,000 | not stated | not stated |
| 48–59 Month Term | 48-59 months | 0.96% | $1,000 | not stated | not stated |
| 60–120 Month Term | 60-120 months | 1.01% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| 12-Month Fixed IRA | 12 months | 0.85% | $100 | not stated | not stated |
Fine print for 8 CDs above: This CD can be opened only at an NASB branch.
Opening and using the account
| Availability | Available in MO |
|---|---|
| Footprint | 10 branches in MO |
| Eligibility | not stated |
How North American Savings Bank, F.S.B. behaves over time
Every observation of the advertised Select III Savings rate in the last 12 months was 3.75% (observed through Oct 10, 2026). The series includes promotional tiers where one applied.
Banksparency observed no cuts to North American Savings Bank, F.S.B.'s advertised savings rate in the last 12 months, a period with 2 Federal Reserve cuts.
Recent rate changes, as observed
- Obs. Sep 25, 202614-Month CDRaise:4.20%to4.35%
- Obs. Sep 25, 202623-Month CDRaise:4.30%to4.50%
- Obs. Sep 25, 202636-Month CDRaise:4.55%to4.70%
- Obs. Sep 25, 202636–47 Month TermRaise:4.55%to4.70%
- Obs. Sep 18, 202614-Month CDRaise:4.00%to4.20%
- Select III Savings
- The same as 30 days ago.
- 36 months CD
- Up 0.40 percentage points from 30 days ago.
- Premium Money Market
- The same as 30 days ago.
$10,000 at the 3.75% APY North American Savings Bank, F.S.B. advertises on Select III Savings grows to $10,375 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $10,034 does today. See how the federal funds rate shapes savings rates.
North American Savings Bank, F.S.B. CD rates over time
Who is North American Savings Bank, F.S.B.?
| Headquarters | Grandview, MO |
|---|---|
| Founded | 1923 |
| Scale | $3.2B assets · $1.9B deposits, $1.7B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 29708 |
| Charter state | Missouri · one of 194 insured banks chartered there (Q2 2026, FDIC) |
| Size | 549th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 21% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What North American Savings Bank, F.S.B. pays on deposits above.
Common questions about North American Savings Bank, F.S.B.
Is North American Savings Bank, F.S.B. FDIC insured?
Yes. North American Savings Bank, F.S.B. is FDIC insured under certificate 29708, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at North American Savings Bank, F.S.B.?
North American Savings Bank, F.S.B. requires a minimum deposit of $500 to open its Select III Savings account, as observed on Oct 10, 2026. Check the bank's current terms before you open an account.
Does the 3.75% apply to my whole balance?
The 3.75% needs a balance of at least $75,000. Below that, the account advertises 2.50%. Rates are as observed on Oct 10, 2026.
Does North American Savings Bank, F.S.B. have branches?
Yes. North American Savings Bank, F.S.B. operates 10 branches according to FDIC branch records, in addition to its website and mobile apps.
North American Savings Bank, F.S.B. against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| North American Savings Bank, F.S.B. | 3.75% | 3.02% | $500 | 10 branches in MO |
| BrioDirect | 3.75% | 2.10% | $5,000 | not stated |
| CIBC Bank USA | 3.75% | 2.41% | $1,000 | 8 branches in FL, IL, MI, MO |
| CIT Bank | 3.75% | 2.95% | $100 | not stated |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to North American Savings Bank, F.S.B.'s.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Missouri, nearest to North American Savings Bank, F.S.B. in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.