Bank · FDIC insured
UMB Bank CD Rates
Top CarrotUMB Bank’s best CD rate is 4.25% APY on a 15-month CD. Terms run from 3 months to 6 years. Rates checked October 16, 2026.
How UMB Bank’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where UMB Bank has the most branches. $10,000, best rate first.
This bank’s best
UMB Bank
4.25%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $534
Time Deposit Account Special Offers
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
UMB Bank CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo0.15%
- 31–60 months31–60 mo0.25%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where UMB Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Time Deposit Account Special Offers
Up to 4.25%APY · 3 terms
Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsBalances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers | 3.85% | $95 |
| 9 monthsBalances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers | 4.20% | $313 |
| 15 monthsBalances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers | 4.25% | $534 |
Sources (1)
- umb.com/personal-banking/savin…ts/time-deposit-accounts · captured Oct 5, 2026
Jumbo Time Deposits
Up to 0.30%APY · 9 terms
Time Deposits of $100,000 and over. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | — |
| 6 months | 0.10% | — |
| 9 months | 0.10% | — |
| 12 months | 0.10% | — |
| 24 monthsInterest cannot remain on deposit; payout of interest is mandatory | 0.15% | — |
| 36 monthsInterest cannot remain on deposit; payout of interest is mandatory | 0.15% | — |
| 48 monthsInterest cannot remain on deposit; payout of interest is mandatory | 0.20% | — |
| 60 monthsInterest cannot remain on deposit; payout of interest is mandatory | 0.25% | — |
| 72 monthsInterest cannot remain on deposit; payout of interest is mandatory | 0.30% | — |
Sources (1)
- umb.com/personal-banking/savin…ts/time-deposit-accounts · captured Oct 5, 2026
Standard Time Deposits
Up to 0.30%APY · 9 terms
Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 0.10% | $5 |
| 9 months | 0.10% | $7 |
| 12 months | 0.10% | $10 |
| 24 monthsInterest cannot remain on deposit; payout of interest is mandatory | 0.15% | $30 |
| 36 monthsInterest cannot remain on deposit; payout of interest is mandatory | 0.15% | $45 |
| 48 monthsInterest cannot remain on deposit; payout of interest is mandatory | 0.20% | $80 |
| 60 monthsInterest cannot remain on deposit; payout of interest is mandatory | 0.25% | $126 |
| 72 monthsInterest cannot remain on deposit; payout of interest is mandatory | 0.30% | $181 |
Sources (1)
- umb.com/personal-banking/savin…ts/time-deposit-accounts · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.