What are the current interest rates at UMB Bank?

Current rates for UMB Bank include: 12-Month CD: 0.10%, 24-Month CD: 0.15%, 36-Month CD: 0.15%, 48-Month CD: 0.20%, 60-Month CD: 0.25%

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UMB Bank Rates & Review November 2026

Q: What CD terms does UMB Bank offer?

UMB Bank CD rates are 3.85% APY for a 3 month CD, 4.20% APY for a 9 month CD, 0.10% APY for a 12 month CD, 4.25% APY for a 15 month CD, 0.15% APY for a 2 year CD, 0.15% APY for a 3 year CD, 0.20% APY for a 4 year CD, 0.25% APY for a 5 year CD and 0.30% APY for a 6 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with UMB Bank for its full lineup.

Q: How many branches does UMB Bank operate?

UMB Bank currently maintains approximately 209 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, UMB Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, UMB Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 31, 2026

UMB Bank's 15-Month Time Deposit Account rates are at 4.25%, 9-Month Time Deposit Account rates are at 4.20%, 3-Month Time Deposit Account rates are at 3.85%, 72-Month Time Deposit rates are at 0.30%, 60-Month Time Deposit rates are at 0.25%. UMB Bank's Credit Card Rates are at 15.49%. MonitorBankRates evaluates the financial stability of UMB Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.78%. Rates last updated and verified on 10/31/2026.

UMB Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at UMB Bank? Share your experience about UMB Bank by leaving a review below, or read customer reviews before you decide to use UMB Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.78%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

UMB Bank, National Association

1010 Grand Blvd
Kansas City, MO 64106

https://www.umb.com

Customer Reviews

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

UMB Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
15-Month Time Deposit Account	4.24%	4.25%	15 months	$500
Min Deposit $500 Details Limited Time Special Offer; Balances under $100k; $500 minimum to open and obtain special offer; Not available for individual retirement or business accounts; Penalty for early withdrawal; Open Online Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 4.18% → 4.25% ▲ 0.07 pts · high 4.25% / low 4.18% Oct 14, 20264.25%▲ from 4.18% Sep 24, 20264.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
9-Month Time Deposit Account	4.18%	4.20%	9 months	$500
Min Deposit $500 Details Limited Time Special Offer; Balances under $100k; $500 minimum to open and obtain special offer; Not available for individual retirement or business accounts; Penalty for early withdrawal; Open Online Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Oct 14, 20264.20%▲ from 3.85% Sep 24, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
3-Month Time Deposit Account	3.80%	3.85%	3 months	$500
Min Deposit $500 Details Limited Time Special Offer; Balances under $100k; $500 minimum to open and obtain special offer; Not available for individual retirement or business accounts; Penalty for early withdrawal; Open Online Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80% Oct 14, 20263.85%▲ from 3.80% Sep 24, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
72-month Time Deposit	0.30%	0.30%	72 months	$500
Min Deposit $500 Details Balance: under $100,000; Standard Rates; Effective Date: 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
60-month Time Deposit	0.25%	0.25%	60 months	$500
Min Deposit $500 Details Balance: under $100,000; Standard Rates; Effective Date: 10/19/2026 Last Updated 10/31/2026 Rate History 2 changes since Sep 18, 2026 · 0.25% → 0.25% ▼ 0.00 pts · high 4.25% / low 0.25% Oct 14, 20260.25%▼ from 4.25% Sep 24, 20264.25%▲ from 0.25% Sep 18, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
48-month Time Deposit	0.20%	0.20%	48 months	$500
Min Deposit $500 Details Balance: under $100,000; Standard Rates; Effective Date: 10/19/2026 Last Updated 10/31/2026 Rate History 2 changes since Sep 18, 2026 · 0.20% → 0.20% ▼ 0.00 pts · high 4.24% / low 0.20% Oct 14, 20260.20%▼ from 4.24% Sep 24, 20264.24%▲ from 0.20% Sep 18, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
24-month Time Deposit	0.15%	0.15%	24 months	$500
Min Deposit $500 Details Balance: under $100,000; Standard Rates; Effective Date: 10/19/2026 Last Updated 10/31/2026 Rate History 2 changes since Sep 18, 2026 · 0.15% → 0.15% ▼ 0.00 pts · high 4.24% / low 0.15% Oct 14, 20260.15%▼ from 4.24% Sep 24, 20264.24%▲ from 0.15% Sep 18, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
36-month Time Deposit	0.15%	0.15%	36 months	$500
Min Deposit $500 Details Balance: under $100,000; Standard Rates; Effective Date: 10/19/2026 Last Updated 10/31/2026 Rate History 2 changes since Sep 18, 2026 · 0.15% → 0.15% ▼ 0.00 pts · high 4.25% / low 0.15% Oct 14, 20260.15%▼ from 4.25% Sep 24, 20264.25%▲ from 0.15% Sep 18, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
9-month Time Deposit	0.10%	0.10%	9 months	$500
Min Deposit $500 Details Balance: under $100,000; Standard Rates; Effective Date: 10/19/2026 Last Updated 10/31/2026 Rate History 3 changes since Sep 18, 2026 · 0.10% → 0.10% ▼ 0.00 pts · high 4.20% / low 0.10% Oct 14, 20260.10%▼ from 4.20% Sep 27, 20264.20%▲ from 4.18% Sep 24, 20264.18%▲ from 0.10% Sep 18, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
12-month Time Deposit	0.10%	0.10%	12 months	$500
Min Deposit $500 Details Balance: under $100,000; Standard Rates; Effective Date: 10/19/2026 Last Updated 10/31/2026 Rate History 3 changes since Sep 18, 2026 · 0.10% → 0.10% ▼ 0.00 pts · high 3.85% / low 0.05% Oct 2, 20260.10%▲ from 0.05% Sep 27, 20260.05%▼ from 3.85% Sep 24, 20263.85%▲ from 0.10% Sep 18, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
3-month Time Deposit	0.10%	0.10%	3 months	$500
Min Deposit $500 Details Balance: under $100,000; Standard Rates; Effective Date: 10/19/2026 Last Updated 10/31/2026 Rate History 3 changes since Sep 18, 2026 · 0.10% → 0.10% ▼ 0.00 pts · high 3.85% / low 0.10% Oct 14, 20260.10%▼ from 3.85% Sep 27, 20263.85%▲ from 3.80% Sep 24, 20263.80%▲ from 0.10% Sep 18, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
6-month Time Deposit	0.10%	0.10%	6 months	$500
Min Deposit $500 Details Balance: under $100,000; Standard Rates; Effective Date: 10/19/2026 Last Updated 10/31/2026 Rate History 2 changes since Sep 18, 2026 · 0.10% → 0.10% ▼ 0.00 pts · high 3.85% / low 0.10% Oct 14, 20260.10%▼ from 3.85% Sep 24, 20263.85%▲ from 0.10% Sep 18, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

UMB Bank Credit Card Rates

Product	Rate	APR
Direct Cash Visa Credit Card	-	15.49%
Details Published APR range: 15.49% to 23.49%. Intro rate expires: 12 months; Regular APR: 15.49% to 23.49% based on creditworthiness, variable with prime rate; Cash Advance APR: 28.49%; Balance Transfer: 0.00% intro APR for first 12 billing cycles for transfers within 60 days of account opening; Bonus: 15,000 bonus points when you spend $1,500 in first 90 days; No Annual Fee Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 15.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Simply Rewards Visa Credit Card	-	15.49%
Details Published APR range: 15.49% to 23.49%. Intro rate expires: 12 months; Regular APR: 15.49% to 23.49% based on creditworthiness, variable with prime rate; Cash Advance APR: 28.49%; Balance Transfer: 0.00% intro APR for first 12 billing cycles for transfers within 60 days of account opening; Bonus: 15,000 bonus points when you spend $1,500 in first 90 days; No Annual Fee Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 15.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Travel Rewards Visa Credit Card	-	15.49%
Details Published APR range: 15.49% to 23.49%. Intro rate expires: 12 months; Regular APR: 15.49% to 23.49% based on creditworthiness, variable with prime rate; Cash Advance APR: 28.49%; Balance Transfer: 0.00% intro APR for first 12 billing cycles for transfers within 60 days of account opening; Bonus: 15,000 bonus points when you spend $1,500 in first 90 days; No Annual Fee Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 15.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
UMB Direct Cash Credit Card	-	15.49%
Details Published APR range: 15.49% - 23.49%. Intro rate expires: 12 months; Regular APR: 15.49% - 23.49%; Introductory Purchase APR; 0% Introductory Balance Transfer APR for 12 months for balances transferred within 60 days of account opening, then variable APR of 15.49% to 23.49%; 15,000 Bonus Points when you spend $1,500 in the first 90 days of account opening; No Annual Fee Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 15.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
UMB Simply Rewards Credit Card	-	15.49%
Details Published APR range: 15.49% - 23.49%. Intro rate expires: 12 months; Regular APR: 15.49% - 23.49%; Introductory Purchase APR; 0% Introductory Balance Transfer APR for 12 months for balances transferred within 60 days of account opening, then variable APR of 15.49% to 23.49%; 15,000 Bonus Points when you spend $1,500 in the first 90 days of account opening; No Annual Fee Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 15.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
UMB Travel Select Credit Card	-	15.49%
Details Published APR range: 15.49% - 23.49%. Intro rate expires: 12 months; Regular APR: 15.49% - 23.49%; Introductory Purchase APR; 0% Introductory Balance Transfer APR for 12 months for balances transferred within 60 days of account opening, then variable APR of 15.49% to 23.49%; 15,000 Bonus Points when you spend $1,500 in the first 90 days of account opening; No Annual Fee Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 15.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

UMB Bank’s Texas Ratio rose from 0.70% in Q3 2023 to 1.78% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.9 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$71.9B	1.78%	5.0	A+
March 31, 2026	$72.3B	2.14%	5.0	A+
December 31, 2025	$72.8B	2.14%	5.0	A+
September 30, 2025	$71.5B	1.84%	5.0	A+
June 30, 2025	$71.4B	1.45%	5.0	A+
March 31, 2025	$69.0B	1.53%	5.0	A+
December 31, 2024	$50.2B	0.82%	4.9	A+
September 30, 2024	$47.2B	0.79%	5.0	A+
June 30, 2024	$44.2B	0.65%	5.0	A+
March 31, 2024	$45.1B	0.73%	5.0	A+
December 31, 2023	$43.7B	0.58%	5.0	A+
September 30, 2023	$41.2B	0.70%	4.9	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for UMB Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather UMB Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with UMB Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name UMB Bank

Website https://www.umb.com

Address 1010 Grand Blvd, Kansas City, MO 64106 · Jackson

Bank Holding Company UMB FINANCIAL CORP

FDIC Certificate # 8273

Regulator OCC

Established August 28, 1902

FDIC Insurance Date January 1, 1934

Domestic Offices 207

Total Branches 209

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.78%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.3857%

Return on Equity (ROE)

13.0600%

Non-Performing Loans Ratio (NPL)

0.20%

Total Assets

$71,898,588,000

Total Deposits

$60,172,026,000

Equity Capital

$7,825,530,000

Net Income

$501,232,000

Headquarters

Kansas City

Total Branches and Offices

207

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

UMB Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Frequently Asked Questions About UMB Bank

Does UMB Bank offer CDs?

Yes. UMB Bank current CD rates include its 15-Month Time Deposit Account CD at 4.25% APY, its 9-Month Time Deposit Account CD at 4.20% APY and its 3-Month Time Deposit Account CD at 3.85% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from UMB Bank FDIC insured?

Yes. UMB Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at UMB Bank?

The highest UMB Bank CD rate is its 15-Month Time Deposit Account CD at 4.25% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does UMB Bank offer?

UMB Bank CD rates are 3.85% APY for a 3 month CD, 4.20% APY for a 9 month CD, 0.10% APY for a 12 month CD, 4.25% APY for a 15 month CD, 0.15% APY for a 2 year CD, 0.15% APY for a 3 year CD, 0.20% APY for a 4 year CD, 0.25% APY for a 5 year CD and 0.30% APY for a 6 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with UMB Bank for its full lineup.

What is the lowest credit card APR at UMB Bank?

The lowest UMB Bank credit card APR is its Direct Cash Visa Credit Card at 15.49% APR, verified by MonitorBankRates as of October 31, 2026.

How many branches does UMB Bank operate?

UMB Bank currently maintains approximately 209 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, UMB Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, UMB Bank provides members with tools to manage their accounts and build a solid financial history.

Does UMB Bank offer online and mobile banking?

Most modern institutions like UMB Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.umb.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do UMB Bank rates compare?

UMB Bank's top rates are its 15-Months 15-Month Time Deposit Account CD at 4.25% APY and its Direct Cash Visa Credit Card at 15.49% APR, verified by MonitorBankRates on October 31, 2026.

Current UMB Bank Rates

12-Month CD0.10%
24-Month CD0.15%
36-Month CD0.15%
48-Month CD0.20%
60-Month CD0.25%

Retrieved from our database of financial products. Rates subject to change.

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UMB Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

UMB Bank Texas Ratio

UMB Bank Health Trend

UMB Bank CD Rates

UMB Bank Credit Card Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

UMB Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About UMB Bank

Does UMB Bank offer CDs?

Are CDs from UMB Bank FDIC insured?

What is the highest CD rate at UMB Bank?

What CD terms does UMB Bank offer?

What is the lowest credit card APR at UMB Bank?

How many branches does UMB Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does UMB Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do UMB Bank rates compare?

Current UMB Bank Rates

Compare to Other Banks