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Checking & Savings Account Rates

Let’s look at the rates.

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nbkc personal debit card

Our Latest Rates

Our rates are designed to help you save more money. See for yourself.

APY - annual percentage yield | Rates effective as of - 11/02/2026.1

The nbkc Everything Account

An everyday checking account that earns more on every dollar you deposit. No fees, no minimums, no catches.

1.75%

All Balances

1.73%

Interest Rate

$0.01

Min Balance to
Obtain APY

$0.00

Min Opening Deposit

Goals Account

A dedicated space to save toward a specific goal, earning the same great rate as your Everything Account.

1.75%

All Balances

1.73%

Interest Rate

$0.01

Min Balance to
Obtain APY

$0.00

Min Opening Deposit

Personal Money Market

A savings option built for larger balances, carrying our strongest rate.

3.00%

All Balances

2.96%

Interest Rate

$0.01

Min Balance to
Obtain APY

$0.00

Min Opening Deposit

Personal Health Saving Account

A tax-advantaged way to save for medical expenses, with interest built in.

1.01%

All Balances

1.00%

Interest Rate

$0.01

Min Balance to
Obtain APY

$0.00

Min Opening Deposit

Personal IRA Savings

An interest-earning savings account built for retirement contributions.

2.00%

All Balances

1.98%

Interest Rate

$0.01

Min Balance to
Obtain APY

$0.00

Min Opening Deposit

The nbkc difference

We know rates are important. That’s why we offer competitive options that work for you.

We’re Kansas City-proud, with satisfying services and satisfied customers nationwide.

“The bank’s interest rate on checking deposit is one of the best in the nation. Love their customer support reps as well.”

- Tony H.

“Great interest rate, great service and great app that continues to improve!”

- Cory O.

“Simple to use, love the interest.”

- Robert B.

Which nbkc bank account is right for me?

Here’s how to find the best account for you.

  • If you want an everyday checking account for spending and saving in one place: The nbkc Everything Account
  • For setting aside money for a specific goal, separate from everyday spending: The nbkc Goals Account
  • For parking a larger balance and earning our strongest rate: The nbkc Personal Money Market
  • To save for medical expenses, with tax advantage: The nbkc Personal Health Savings
  • To save for retirement: The nbkc Personal IRA Savings

Good things to know

Interest rates and APY may change after account opening.
Deposits made within the first 30 days of opening a new account will be held for 5 business days before the funds are made available, and possibly up to 9 business days depending on the situation. Additional holds on deposits may occur even after the initial 30-day period, but funds are typically available the next business day.

Domestic wires

Send: $5/wire

Receive: free

International wires

Send or Receive: $45/wire

More Rates

CD Rates

Home Loans Rates

Business Rates

1 APY = annual percentage yield | Rates effective as of - 11/02/2026. APY is variable and subject to change at our discretion, without prior notice. Fees could reduce the earnings on the account. Minimum balance required to obtain APY is $0.01.