UMB Bank, National Association savings, CD and money market rates
UMB Bank, National Association advertises 0.55% APY on its UMB Premium Savings account. That is 0.18 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #985 of 2786 tracked savings rates by advertised APY.
Estimate your earnings·What UMB Bank, National Association actually pays
UMB Bank, National Association at a glance
| Savings | |
|---|---|
| Top savings APY | 0.55% · UMB Premium Savings |
| Minimum to open | $25,000 · UMB Premium Savings |
| Against the national average | 0.18 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.25% · 15 months · 15-Month Time Deposit Special |
| Minimum to open | $500 · 15 months CD |
| Money market | |
| Top money market APY | 3.71% · UMB Retail Money Market · needs at least $10,000 |
| Minimum to open | not stated · UMB Retail Money Market |
| Against the national average | 3.08 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 8273 · Kansas City, MO |
|---|---|
| Website | www.umb.com |
| Branches | 209 branches across 14 states |
| Availability | Available in 14 states |
UMB Bank, National Association savings, CD and money market rates
How the rate applies
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
UMB Bank, National Association CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 3.85% | $500 | 3-Month Time Deposit Special |
| 3 months | 0.10% | $500 | 3-Month Time Deposit (under $100,000) |
| 3 months | 0.10% | $100,000 | 3-Month Time Deposit ($100,000 and over) |
| 6 months | 0.10% | $500 | 6-Month Time Deposit (under $100,000) |
| 6 months | 0.10% | $100,000 | 6-Month Time Deposit ($100,000 and over) |
| 9 months | 4.20% | $500 | 9-Month Time Deposit Special |
| 9 months | 0.10% | $500 | 9-Month Time Deposit (under $100,000) |
| 9 months | 0.10% | $100,000 | 9-Month Time Deposit ($100,000 and over) |
| 12 months | 0.10% | $500 | 12-Month Time Deposit (under $100,000) |
| 12 months | 0.10% | $100,000 | 12-Month Time Deposit ($100,000 and over) |
| 15 months | 4.25% | $500 | 15-Month Time Deposit Special |
| 24 months | 0.15% | $500 | 24-Month Time Deposit (under $100,000) |
| 24 months | 0.15% | $100,000 | 24-Month Time Deposit ($100,000 and over) |
| 36 months | 0.15% | $500 | 36-Month Time Deposit (under $100,000) |
| 36 months | 0.15% | $100,000 | 36-Month Time Deposit ($100,000 and over) |
| 48 months | 0.20% | $500 | 48-Month Time Deposit (under $100,000) |
| 48 months | 0.20% | $100,000 | 48-Month Time Deposit ($100,000 and over) |
| 60 months | 0.25% | $500 | 60-Month Time Deposit (under $100,000) |
| 60 months | 0.25% | $100,000 | 60-Month Time Deposit ($100,000 and over) |
| 72 months | 0.30% | $500 | 72-Month Time Deposit (under $100,000) |
| 72 months | 0.30% | $100,000 | 72-Month Time Deposit ($100,000 and over) |
Interactive Tool
Calculate Savings for UMB Bank, National Association
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$873.60(2.2%)
- Total Contributions$13,000
- Initial Deposit$25,000
Projected Balance
$38,873.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What UMB Bank, National Association pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, UMB Bank, National Association paid a higher average rate on savings and money market deposits than 76% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- UMB Bank, National Association, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| UMB Premium Savings | 0.55% | $25,000 | $0 | None | not stated | not stated | Tiered | |
| UMB Savings | 0.02% | $100 | $0 | None | not stated | not stated | One rate | |
| UMB Retail Money Market | 3.71% | not stated | $0 | None | not stated | not stated | Tiered | |
| Fine print: The rate on balances of $10,000 or more is a limited-time special offer for new accounts. New customers need $10,000 in new money (funds not currently on deposit at UMB); for existing customers at least 75% of that balance must be new money. The special requires $1,000 to open. The listed rates are for accounts opened online and may vary by region. The bank may discontinue the offer at any time. | ||||||||
Fine print for 2 products above: The listed rate is for accounts opened online and may vary by region.
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 3-Month Time Deposit Special | 3 months | 3.85% | $500 | not stated | not stated |
| 3-Month Time Deposit (under $100,000) | 3 months | 0.10% | $500 | not stated | not stated |
| 3-Month Time Deposit ($100,000 and over) | 3 months | 0.10% | $100,000 | not stated | not stated |
| 6-Month Time Deposit (under $100,000) | 6 months | 0.10% | $500 | not stated | not stated |
| 6-Month Time Deposit ($100,000 and over) | 6 months | 0.10% | $100,000 | not stated | not stated |
| 9-Month Time Deposit Special | 9 months | 4.20% | $500 | not stated | not stated |
| 9-Month Time Deposit (under $100,000) | 9 months | 0.10% | $500 | not stated | not stated |
| 9-Month Time Deposit ($100,000 and over) | 9 months | 0.10% | $100,000 | not stated | not stated |
| 12-Month Time Deposit (under $100,000) | 12 months | 0.10% | $500 | not stated | not stated |
| 12-Month Time Deposit ($100,000 and over) | 12 months | 0.10% | $100,000 | not stated | not stated |
| 15-Month Time Deposit Special | 15 months | 4.25% | $500 | not stated | not stated |
| 24-Month Time Deposit (under $100,000) | 24 months | 0.15% | $500 | not stated | not stated |
| 24-Month Time Deposit ($100,000 and over) | 24 months | 0.15% | $100,000 | not stated | not stated |
| 36-Month Time Deposit (under $100,000) | 36 months | 0.15% | $500 | not stated | not stated |
| 36-Month Time Deposit ($100,000 and over) | 36 months | 0.15% | $100,000 | not stated | not stated |
| 48-Month Time Deposit (under $100,000) | 48 months | 0.20% | $500 | not stated | not stated |
| 48-Month Time Deposit ($100,000 and over) | 48 months | 0.20% | $100,000 | not stated | not stated |
| 60-Month Time Deposit (under $100,000) | 60 months | 0.25% | $500 | not stated | not stated |
| 60-Month Time Deposit ($100,000 and over) | 60 months | 0.25% | $100,000 | not stated | not stated |
| 72-Month Time Deposit (under $100,000) | 72 months | 0.30% | $500 | not stated | not stated |
| 72-Month Time Deposit ($100,000 and over) | 72 months | 0.30% | $100,000 | not stated | not stated |
Fine print for 3 CDs above: Limited-time special. New customers must fund it with new money (funds not currently on deposit at UMB); for existing customers at least 75% of the deposit must be new money. Not available for individual retirement or business accounts. The bank may discontinue the offer at any time.
Fine print for 4 CDs above: Not available for individual retirement or business accounts.
Fine print for 4 CDs above: Opened in a branch only. Not available for individual retirement or business accounts.
Fine print for 5 CDs above: Not available for individual retirement or business accounts. For terms over 12 months, interest cannot stay on deposit and is paid out.
Fine print for 5 CDs above: Opened in a branch only. Not available for individual retirement or business accounts. For terms over 12 months, interest cannot stay on deposit and is paid out.
Opening and using the account
| Availability | Available in 14 states |
|---|---|
| Footprint | 209 branches across 14 states |
| Eligibility | not stated |
How UMB Bank, National Association behaves over time
Every observation of the advertised UMB Premium Savings rate in the last 12 months was 0.55% (observed through Oct 9, 2026). The series includes promotional tiers where one applied.
Banksparency observed no cuts to UMB Bank, National Association's advertised savings rate in the last 12 months, a period with 2 Federal Reserve cuts.
- UMB Premium Savings
- The same as 7 days ago.
- 15 months CD
- The same as 7 days ago.
- UMB Retail Money Market
- The same as 7 days ago.
- Rate last changed
- Sep 29, 2026(effective date)
$10,000 at the 0.55% APY UMB Bank, National Association advertises on UMB Premium Savings grows to $10,055 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,724 does today. See how the federal funds rate shapes savings rates.
UMB Bank, National Association CD rates over time
Who is UMB Bank, National Association?
| Headquarters | Kansas City, MO |
|---|---|
| Founded | 1902 |
| Scale | $71.9B assets · $60.2B deposits, $43.6B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 8273 |
| Charter state | Missouri · one of 194 insured banks chartered there (Q2 2026, FDIC) |
| Size | 39th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 19% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What UMB Bank, National Association pays on deposits above.
Common questions about UMB Bank, National Association
Is UMB Bank, National Association FDIC insured?
Yes. UMB Bank, National Association is FDIC insured under certificate 8273, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at UMB Bank, National Association?
UMB Bank, National Association requires a minimum deposit of $25,000 to open its UMB Premium Savings account, as observed on Oct 9, 2026. Check the bank's current terms before you open an account.
Does UMB Bank, National Association have branches?
Yes. UMB Bank, National Association operates 209 branches according to FDIC branch records, in addition to its website and mobile apps.
UMB Bank, National Association against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| UMB Bank, National Association | 0.55% | 2.19% | $25,000 | 209 branches across 14 states |
| Banco do Brasil Americas | 0.55% | 2.47% | $1,000 | 4 branches in FL |
| Citizens State Bank Norwood Young America | 0.55% | 0.97% | $0 | 1 branch in MN |
| Commercial State Bank, of Wagner | 0.55% | 0.57% | $1 | 1 branch in SD |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to UMB Bank, National Association's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Missouri, nearest to UMB Bank, National Association in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: banks in Missouri.