UMB Bank CD Rates — October 2026
As of October 24, 2026, UMB Bank's highest tracked CD rate is 4.25% APY on a 15-month promotional CD ($500 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.10% to 0.30% APY.
Tracking began .
$313 more than at the national average ($220)
What are UMB Bank's CD opening requirements?
UMB Bank's displayed 15 months Limited time special offer quote pays 4.25% APY, verified October 24, 2026. Confirm the following requirements before opening.
- Minimum deposit
- $500 for Limited time special offer, 15 months, at 4.25% APY. Other products and balance tiers may differ.
- Geographic scope
- Branches in 14 states. Branch locations do not establish account-opening eligibility; confirm residency and online availability with UMB Bank.
- Membership or relationship rule
- Personal time deposits (CDs) under $100,000 with a $500 minimum: limited-time 3-, 9- and 15-month special offers and standard terms from 3 to 72 months. Jumbo rates ($100,000 and over, opened in a branch) and additional branch-only terms are outside this collection scope. Not available for IRAs; terms over 12 months must pay out interest. A penalty will be imposed on early withdrawals.
- Source type
- Official institution rate page · Quoted rate evidence, verified October 24, 2026. Coverage notes are editorial summaries; the rate verification date does not certify every eligibility condition.
UMB Bank CD rates
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Limited time special offer Promotional | $500 | 3.85%Free rate alert | −0.41% | Top 9% of tracked 3-month CDs · Verified October 24, 2026 |
| 3 months | Standard rate, under $100,000 | $500 | 0.10%Free rate alert | −4.17% | Top 95% of tracked 3-month CDs · Verified October 24, 2026 |
| 6 months | Standard rate, under $100,000 | $500 | 0.10%Free rate alert | −4.25% | Top 99% of tracked 6-month CDs · Verified October 24, 2026 |
| 9 months | Limited time special offer Promotional | $500 | 4.20%Free rate alert | −0.22% | Top 14% of tracked 9-month CDs · Verified October 24, 2026 |
| 9 months | Standard rate, under $100,000 | $500 | 0.10%Free rate alert | −4.32% | Top 97% of tracked 9-month CDs · Verified October 24, 2026 |
| 12 months | Standard rate, under $100,000 | $500 | 0.10%Free rate alert | −4.39% | Top 100% of tracked 12-month CDs · Verified October 24, 2026 |
| 15 months | Limited time special offer Promotional | $500 | 4.25%Free rate alert | −0.30% | Verified October 24, 2026 |
| 24 months | Standard rate, under $100,000 | $500 | 0.15%Free rate alert | −4.59% | Top 99% of tracked 24-month CDs · Verified October 24, 2026 |
| 36 months | Standard rate, under $100,000 | $500 | 0.15%Free rate alert | −4.66% | Top 99% of tracked 36-month CDs · Verified October 24, 2026 |
| 48 months | Standard rate, under $100,000 | $500 | 0.20%Free rate alert | −4.64% | Top 98% of tracked 48-month CDs · Verified October 24, 2026 |
| 60 months | Standard rate, under $100,000 | $500 | 0.25%Free rate alert | −4.63% | Top 98% of tracked 60-month CDs · Verified October 24, 2026 |
| 72 months | Standard rate, under $100,000 | $500 | 0.30%Free rate alert | −4.61% | Verified October 24, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-23 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
UMB Bank's best displayed promotional rate is 4.25% APY (15 months), verified October 24, 2026. UMB Bank's standard rate for a similar term is 0.10% APY (12 months), verified October 24, 2026. If the CD renews at the standard rate when it matures, $10,000 would earn about $415 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are UMB Bank's best CD rates by term?
UMB Bank's best displayed rate is 4.25% APY on 15 months, verified October 24, 2026.
- 3 mo3.85%
- 6 mo0.10%
- 9 mo4.20%
- 12 mo0.10%
- 15 mo4.25%
- 24 mo0.15%
- 36 mo0.15%
- 48 mo0.20%
- 60 mo0.25%
- 72 mo0.30%
How much interest could a UMB Bank CD earn?
UMB Bank's displayed 15 months Limited time special offer quote pays 4.25% APY, verified October 24, 2026. Interest estimates below depend on the deposit amount, term and applicable balance tier.
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$533.74 interest · $10,533.74 at maturity on $10,000.00.
4.25% APY · 15 months · Limited time special offer · Promotional · verified October 24, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $47.313.85% APY · Limited time special offer · Promotional | $94.633.85% APY · Limited time special offer · Promotional | $236.573.85% APY · Limited time special offer · Promotional | $473.153.85% APY · Limited time special offer · Promotional |
| 6 months | $2.510.10% APY · Standard rate, under $100,000 · Standard | $5.010.10% APY · Standard rate, under $100,000 · Standard | $12.530.10% APY · Standard rate, under $100,000 · Standard | $25.060.10% APY · Standard rate, under $100,000 · Standard |
| 9 months | $156.834.20% APY · Limited time special offer · Promotional | $313.674.20% APY · Limited time special offer · Promotional | $784.164.20% APY · Limited time special offer · Promotional | $1,568.334.20% APY · Limited time special offer · Promotional |
| 12 months | $5.000.10% APY · Standard rate, under $100,000 · Standard | $10.000.10% APY · Standard rate, under $100,000 · Standard | $25.000.10% APY · Standard rate, under $100,000 · Standard | $50.000.10% APY · Standard rate, under $100,000 · Standard |
| 15 months | $266.874.25% APY · Limited time special offer · Promotional | $533.744.25% APY · Limited time special offer · Promotional | $1,334.364.25% APY · Limited time special offer · Promotional | $2,668.714.25% APY · Limited time special offer · Promotional |
| 24 months | $15.010.15% APY · Standard rate, under $100,000 · Standard | $30.020.15% APY · Standard rate, under $100,000 · Standard | $75.060.15% APY · Standard rate, under $100,000 · Standard | $150.110.15% APY · Standard rate, under $100,000 · Standard |
| 36 months | $22.530.15% APY · Standard rate, under $100,000 · Standard | $45.070.15% APY · Standard rate, under $100,000 · Standard | $112.670.15% APY · Standard rate, under $100,000 · Standard | $225.340.15% APY · Standard rate, under $100,000 · Standard |
| 48 months | $40.120.20% APY · Standard rate, under $100,000 · Standard | $80.240.20% APY · Standard rate, under $100,000 · Standard | $200.600.20% APY · Standard rate, under $100,000 · Standard | $401.200.20% APY · Standard rate, under $100,000 · Standard |
| 60 months | $62.810.25% APY · Standard rate, under $100,000 · Standard | $125.630.25% APY · Standard rate, under $100,000 · Standard | $314.070.25% APY · Standard rate, under $100,000 · Standard | $628.130.25% APY · Standard rate, under $100,000 · Standard |
| 72 months | $90.680.30% APY · Standard rate, under $100,000 · Standard | $181.360.30% APY · Standard rate, under $100,000 · Standard | $453.390.30% APY · Standard rate, under $100,000 · Standard | $906.780.30% APY · Standard rate, under $100,000 · Standard |
How UMB Bank compares
UMB Bank's highest displayed CD rate is 4.25% APY for 15 months, verified October 24, 2026.
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 456-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 20 of 91 tracked institutions with fresh 456-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| UMB Bank (this institution)Limited time special offer · Promotional | 15 months | $500 | Branches in 14 states | 4.25% | October 24, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 15 months | $5,000 | Membership required · branches in WI | 5.05% | October 24, 2026 |
| Alliance Credit Union (Texas)Certificate · Standard | 15 months | $1,000 | Membership required · branches in TX | 4.50% | October 24, 2026 |
| Sallie Mae BankCertificate of Deposit · Standard | 15 months | $2,500 | Available nationwide | 4.50% | October 24, 2026 |
| Treasury (APY-equivalent) | 15 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.55% | 2026-10-23 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
UMB Bank's highest displayed CD rate is 4.25% APY for 15 months, verified October 24, 2026. No rate-log entries are available for UMB Bank yet; this does not establish that its rates have never changed.
See changes across all tracked institutions
No changes since we started tracking UMB Bank on October 24, 2026.
About UMB Bank
- Legal name
- UMB Bank, National Association
- Regulator ID
- FDIC 8273
- Headquarters
- Kansas City, MO
- Branch / online coverage
- AZ, CA, CO, IA, IL, KS, MN, MO, NE, NM, OK, TX, UT, WI
- Total assets
- $71.9 billion
- Also known as
- Website
- www.umb.com
Source: rates read from https://www.umb.com/personal-banking/savings-accounts/time-deposit-accounts. See the page text we read.
Frequently asked questions
What is the highest CD rate at UMB Bank?
Among the rates we track, 4.25% APY on a 15-month promotional CD, as of October 24, 2026.
What is the minimum deposit for a UMB Bank CD?
The lowest minimum we found is $500.
How does UMB Bank's best CD rate compare with Treasury yields?
4.25% APY is −0.30% versus the 15-month Treasury yield of 4.55% (APY-equivalent) on 2026-10-23. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are UMB Bank CDs insured?
UMB Bank is an FDIC-insured bank (FDIC 8273). Deposits are insured up to $250,000 per depositor, per ownership category.
Does UMB Bank offer jumbo CD rates?
The rates we read list no separate tier with a $100,000 or higher minimum; the listed minimums run from $500 to $500. Confirm with UMB Bank whether larger balances earn the same rate and whether a maximum deposit applies.
What are the requirements for opening a UMB Bank CD?
Confirm residency and product eligibility with UMB Bank. Personal time deposits (CDs) under $100,000 with a $500 minimum: limited-time 3-, 9- and 15-month special offers and standard terms from 3 to 72 months. Jumbo rates ($100,000 and over, opened in a branch) and additional branch-only terms are outside this collection scope. Not available for IRAs; terms over 12 months must pay out interest. A penalty will be imposed on early withdrawals.
How often is this page updated?
We check UMB Bank's rate page every day. The rates above were last verified on October 24, 2026.
More bank CD rates
Rates are copied from UMB Bank's website and may change at any time. Confirm terms, minimums and eligibility with UMB Bank before opening an account. This page is not financial advice.