Bank · FDIC insured
UMB Bank Savings Rates
Top CarrotUMB Bank’s best savings rate is 3.71% APY on $10,000, with its UMB Retail Money Market. Rates checked October 16, 2026.
How UMB Bank’s savings 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
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
UMB Retail Money Market
Top rate
Truity Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
3rd-highest rate
Capitol Federal
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
UMB Bank savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0003.71%
- $100,000 balance$100,0003.71%
- QualifiedQualified3.71%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
UMB Retail Money Market
3.71%APY
Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier I | 0.10% | — | Tier I |
| $10,000 – $25,000Tier II | 3.71% | $371 | Tier II |
| $25,000 – $50,000Tier III | 3.71% | — | Tier III |
| $50,000 – $75,000Tier IV | 3.71% | — | Tier IV |
| $75,000 – $100,000Tier V | 3.71% | — | Tier V |
| $100,000 – $1,000,000Tier VI | 3.71% | — | Tier VI |
| $1,000,000 and upTier VII | 3.71% | — | Tier VII |
Sources (2)
All captured Sep 17, 2026
UMB Premium Savings
0.55%APY
Rates listed are for accounts opened online. Must be 18 or older, a U.S. citizen or resident alien, and reside in AZ, CA, CO, IL, IA, KS, MN, MO, NE, NM, OK, TX, UT, or WI to open online.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier I. Monthly service fee waived with $25,000 minimum daily ledger balance. | 0.55% | — | Tier I. Monthly service fee waived with $25,000 minimum daily ledger balance. |
| $10,000 – $25,000Tier II. Monthly service fee waived with $25,000 minimum daily ledger balance. | 0.55% | $55 | Tier II. Monthly service fee waived with $25,000 minimum daily ledger balance. |
| $25,000 – $50,000Tier III. Monthly service fee waived with $25,000 minimum daily ledger balance. | 0.55% | — | Tier III. Monthly service fee waived with $25,000 minimum daily ledger balance. |
| $50,000 – $75,000Tier IV. Monthly service fee waived with $25,000 minimum daily ledger balance. | 0.55% | — | Tier IV. Monthly service fee waived with $25,000 minimum daily ledger balance. |
| $75,000 – $100,000Tier V. Monthly service fee waived with $25,000 minimum daily ledger balance. | 0.55% | — | Tier V. Monthly service fee waived with $25,000 minimum daily ledger balance. |
| $100,000 – $1,000,000Tier VI. Monthly service fee waived with $25,000 minimum daily ledger balance. | 0.55% | — | Tier VI. Monthly service fee waived with $25,000 minimum daily ledger balance. |
| $1,000,000 and upTier VII. Monthly service fee waived with $25,000 minimum daily ledger balance. | 0.55% | — | Tier VII. Monthly service fee waived with $25,000 minimum daily ledger balance. |
Sources (1)
- umb.com/personal-banking/savings-accounts · captured Sep 17, 2026
UMB Savings
0.02%APY
Rates listed are for accounts opened online. Must be 18 or older, a U.S. citizen or resident alien, and reside in AZ, CA, CO, IL, IA, KS, MN, MO, NE, NM, OK, TX, UT, or WI to open online.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly service fee waived with $100 minimum daily ledger balance.Any balance | 0.02% | $2 | Monthly service fee waived with $100 minimum daily ledger balance. |
Sources (1)
- umb.com/personal-banking/savings-accounts · captured Sep 17, 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.