# UMB Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/umb-bank
Institution: UMB Bank, National Association (FDIC 8273)
Aliases: 
Status: live
Last verified: 2026-10-24T10:23:26.000Z (October 24, 2026)
Official source: https://www.umb.com/personal-banking/savings-accounts/time-deposit-accounts
Coverage: 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.
Treasury comparison date: 2026-10-23. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Limited time special offer | promotional | 3 months | $500 | 3.85% | Not ZIP-priced | −0.41% | 2026-10-24T10:23:26.000Z | [Snapshot 1197](https://apyledger.com/snapshots/1197) |
| Standard rate, under $100,000 | standard | 3 months | $500 | 0.10% | Not ZIP-priced | −4.17% | 2026-10-24T10:23:26.000Z | [Snapshot 1197](https://apyledger.com/snapshots/1197) |
| Standard rate, under $100,000 | standard | 6 months | $500 | 0.10% | Not ZIP-priced | −4.25% | 2026-10-24T10:23:26.000Z | [Snapshot 1197](https://apyledger.com/snapshots/1197) |
| Limited time special offer | promotional | 9 months | $500 | 4.20% | Not ZIP-priced | −0.22% | 2026-10-24T10:23:26.000Z | [Snapshot 1197](https://apyledger.com/snapshots/1197) |
| Standard rate, under $100,000 | standard | 9 months | $500 | 0.10% | Not ZIP-priced | −4.32% | 2026-10-24T10:23:26.000Z | [Snapshot 1197](https://apyledger.com/snapshots/1197) |
| Standard rate, under $100,000 | standard | 12 months | $500 | 0.10% | Not ZIP-priced | −4.39% | 2026-10-24T10:23:26.000Z | [Snapshot 1197](https://apyledger.com/snapshots/1197) |
| Limited time special offer | promotional | 15 months | $500 | 4.25% | Not ZIP-priced | −0.30% | 2026-10-24T10:23:26.000Z | [Snapshot 1197](https://apyledger.com/snapshots/1197) |
| Standard rate, under $100,000 | standard | 24 months | $500 | 0.15% | Not ZIP-priced | −4.59% | 2026-10-24T10:23:26.000Z | [Snapshot 1197](https://apyledger.com/snapshots/1197) |
| Standard rate, under $100,000 | standard | 36 months | $500 | 0.15% | Not ZIP-priced | −4.66% | 2026-10-24T10:23:26.000Z | [Snapshot 1197](https://apyledger.com/snapshots/1197) |
| Standard rate, under $100,000 | standard | 48 months | $500 | 0.20% | Not ZIP-priced | −4.64% | 2026-10-24T10:23:26.000Z | [Snapshot 1197](https://apyledger.com/snapshots/1197) |
| Standard rate, under $100,000 | standard | 60 months | $500 | 0.25% | Not ZIP-priced | −4.63% | 2026-10-24T10:23:26.000Z | [Snapshot 1197](https://apyledger.com/snapshots/1197) |
| Standard rate, under $100,000 | standard | 72 months | $500 | 0.30% | Not ZIP-priced | −4.61% | 2026-10-24T10:23:26.000Z | [Snapshot 1197](https://apyledger.com/snapshots/1197) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.