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 2.12 percentage points above the national savings average of 0.38% (FDIC, Aug 2026).
Ranked #65 of 803 tracked savings rates by advertised APY. For a $10,000 balance it would rank #136.
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 | 3.37 percentage points above the 0.38% FDIC savings average (Aug 2026) |
| CDs | |
| Top CD APY | 4.30% · 36-47 months · 36–47 Month Term |
| Minimum to open | $1,000 · 36-47 months CD |
| Against the national average | 2.96 percentage points above the 1.34% FDIC 36-month CD average (Aug 2026) |
| Money market | |
| Top money market APY | Up to 0.50% · Premium Money Market · up 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 (Aug 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
IRA
Rates are APY. The national savings average is 0.38% (FDIC, Aug 2026). The top tracked savings rate on Banksparency is 5.00%. Across 60 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.50%, and one account in ten advertises 4.01% 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 | 4.00% | $1,000 | 14-Month CD |
| 23 months | 4.20% | $1,000 | 23-Month CD |
| 24 months | 0.91% | $1,000 | 24 Month Term |
| 36-47 months | 4.30% | $1,000 | 36–47 Month Term |
| 36 months | 4.30% | $1,000 | 36-Month CD |
| 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 all of its deposits 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 Q1 2026, North American SB paid a higher average rate than 93% of U.S. banks (all-bank median 2.27%).
- North American SB, avg rate paid
- 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 every account that earns interest: savings, interest checking, money market accounts, CDs, and personal and business accounts at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years.
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 balances at the rates of earlier years, everyday transaction balances, and CDs that were priced in a different rate environment. 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 rate paid on interest-bearing deposits, quarterly. 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.
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 | |
| Ultimate Savings | 3.60% | $10,000 | $0 | None | not stated | None | Tiered | |
| E-Savings | 3.60% | $10,000 | $0 | None | not stated | None | One rate | |
| 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 | |
| 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 | |
| IRA | ||||||||
| IRA Savings | 0.30% | $100 | $0 | None | not stated | None | One rate | |
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 |
| 14-Month CD | 14 months | 4.00% | $1,000 | not stated | not stated |
| 23-Month CD | 23 months | 4.20% | $1,000 | not stated | not stated |
| 24 Month Term | 24 months | 0.91% | $1,000 | not stated | not stated |
| 36–47 Month Term | 36-47 months | 4.30% | $1,000 | not stated | not stated |
| 36-Month CD | 36 months | 4.30% | $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 |
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 Sep 11, 2026). The series includes promotional tiers where one applied.
- Select III Savings
- The same as 7 days ago.
- 36-47 months CD
- The same as 7 days ago.
- Premium Money Market
- The same as 7 days ago.
- Rate last changed
- Sep 3, 2026(effective date)
$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 July 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $10,038 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, $1.8B of it interest-bearing (Q1 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 29708 |
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 Sep 11, 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 Sep 11, 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 (Q1 2026) | Min deposit | Branches |
|---|---|---|---|---|
| North American Savings Bank, F.S.B. | 3.75% | 3.35% | $500 | 10 branches in MO |
| Bask Bank | 3.75% | 3.05% | $0 | not stated |
| BrioDirect | 3.75% | 2.15% | $5,000 | not stated |
| Chime | 3.75% | not stated | $0 | not stated |
Alternatives are the three tracked banks whose highest savings APY is closest to North American Savings Bank, F.S.B.'s.
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Rate hubs: today's highest savings rates, CD rates by term, and money market rates.