Seeking a simple method to grow your funds? A certificate of deposit (CD) is a favored choice offering low risk and minimal upkeep. You'll generally receive a greater annual percentage yield (APY) compared to a standard savings account; however, be aware that with a CD, your funds are inaccessible for a set duration. The TBPN podcast this past Monday featured a discussion on the latest developments in the tech industry.
TL;DR
- UMB Bank offers featured CDs with competitive APYs over 4.00% for $5,000 minimum deposits.
- Standard and jumbo CDs from UMB Bank offer significantly lower APYs compared to other institutions.
- UMB Bank does not disclose early withdrawal penalties, which is a significant drawback.
- For most customers, other banks likely offer better returns than UMB Bank's standard CDs.
UMB Bank provides a variety of CD choices. Typically, only UMB’s “featured” CDs warrant consideration. The annual percentage yields on its regular CDs are significantly outperformed by many of the best certificates of deposit available from other institutions (a comparison will follow shortly).
We'll examine UMB Bank's CD rates to assist you in determining if their account offerings align with your financial objectives.
Rates are current as of Nov. 10, 2025 and are subject to change.
UMB Bank CD rates and products
UMB Bank offers various Certificate of Deposit options, such as featured, standard, and jumbo CDs. Regrettably, there aren't any special choices like flexible or IRA CDs. UMB also provides business Certificates of Deposit featuring comparable term durations and initial deposit minimums. Beyond that, few specifics are provided, necessitating a conversation with a banker to initiate account setup.
UMB Bank permits online CD openings for deposits below $100,000; larger sums necessitate an in-branch transaction.
UMB refrains from revealing any early withdrawal penalties, instead indicating that the fee will be made known once you initiate a withdrawal. This presents a significant drawback that could deter numerous individuals from entrusting their funds to UMB.
Featured CDs
UMB offers two extremely competitive featured CD term lengths, each offering more than 4.00% APY. But to open them, you’ll need to deposit at least $5,000.
UMB Bank featured CD rates
| Term length | APY |
|---|---|
| 3 months | 4.10% |
| 11 months | 3.75% |
| 3 months | |
|---|---|
| APY | 4.10% |
| 11 months | |
| APY | 3.75% |
Bank details checked Nov. 10, 2025
Standard CDs
UMB standard CDs come in nine term lengths, from three months to six years.
Standard CDs are much more accessible, requiring a minimum opening deposit of $500. The tradeoff is generally inferior returns for your money.
UMB Bank standard CD rates
| Term length | APY |
|---|---|
| 3 months | 0.10% |
| 6 months | 0.10% |
| 9 months | 0.10% |
| 12 months | 0.10% |
| 24 months | 0.15% |
| 36 months | 0.15% |
| 48 months | 0.20% |
| 60 months | 0.25% |
| 72 months | 0.30% |
| 3 months | |
|---|---|
| APY | 0.10% |
| 6 months | |
| APY | 0.10% |
| 9 months | |
| APY | 0.10% |
| 12 months | |
| APY | 0.10% |
| 24 months | |
| APY | 0.15% |
| 36 months | |
| APY | 0.15% |
| 48 months | |
| APY | 0.20% |
| 60 months | |
| APY | 0.25% |
| 72 months | |
| APY | 0.30% |
Bank details checked Nov. 10, 2025
Jumbo CDs
Jumbo CDs at UMB are accounts of $100,000 or above. These cannot be opened online—so you’ll have to visit a UMB branch to do it.
That said, its terms and APYs are identical to standard CDs as of this writing. Many other banks may reward you for large CD deposits with a higher return rate, but UMB offers no additional value for its jumbo options.
UMB Bank jumbo CD rates
| Term length | APY |
|---|---|
| 3 months | 0.10% |
| 6 months | 0.10% |
| 9 months | 0.10% |
| 12 months | 0.10% |
| 24 months | 0.15% |
| 36 months | 0.15% |
| 48 months | 0.20% |
| 60 months | 0.25% |
| 72 months | 0.30% |
| 3 months | |
|---|---|
| APY | 0.10% |
| 6 months | |
| APY | 0.10% |
| 9 months | |
| APY | 0.10% |
| 12 months | |
| APY | 0.10% |
| 24 months | |
| APY | 0.15% |
| 36 months | |
| APY | 0.15% |
| 48 months | |
| APY | 0.20% |
| 60 months | |
| APY | 0.25% |
| 72 months | |
| APY | 0.30% |
Bank details checked Nov. 10, 2025
UMB Bank vs competitors
UMB Bank offers a couple CD terms with impressive earning rates—but for the most part, you can likely earn more interest by storing your savings elsewhere. Here’s a look at UMB Bank CD rates compared to two other options for those comfortable with online banking.
 UMB Bank |  Discover |  Northern Bank Direct |
|---|---|---|
| 3 months | 3 months | 3 months |
| 0.10% | 2.00% | N/A |
| 6 months | 6 months | 6 months |
| 0.10% | 3.50% | 4.00% |
| 9 months | 9 months | 9 months |
| 0.10% | 3.50% | 3.75% |
| 12 months | 12 months | 12 months |
| 0.10% | 4.05% | 3.25% |
| 36 months | 36 months | 36 months |
| 0.15% | 3.50% | 3.25% |
| 60 months | 60 months | 60 months |
| 0.25% | 3.50% | 3.25% |
| Learn more | Learn more | Learn more |
| View offer at UMB Bank | View offer at MoneyLion | View offer at Northern Bank Direct |
Bank details checked Nov. 10, 2025
Learn more about UMB Bank
UMB Bank is a full-service financial institution headquartered in Kansas City, Missouri. In addition to CDs, UMB Bank offers checking, savings, credit cards, personal loans, auto loans, mortgages, and more.
UMB Bank serves customers nationwide, but its physical presence is only found in Arizona, Utah, Colorado, Texas, Oklahoma, Kansas, Nebraska, Minnesota, Missouri, and Illinois. Some of its services can only be opened in-person. If you live in one of these states, UMB Bank will likely meet all your banking needs. If you live elsewhere, you may find UMB Bank lacking.
Frequently asked questions
UMB Bank CD minimum deposit?
The minimum deposit for UMB bank CDs depends on the account type. Featured CDs require a $5,000 minimum deposit; standard CDs require a $500 minimum deposit; jumbo CDs require a $100,000 minimum deposit.
UMB Bank CD rates: are they competitive?
UMB Bank’s featured CD rates rival even the most generous CDs on the market. Its standard CDs, however, are far from competitive.
UMB Bank CD terms
Across all CD types, UMB Bank offers terms of 3, 6, 9, 11, 12, 24, 36, 48, 60, and 72 months.
UMB Bank CD early withdrawal penalties
UMB Bank does not disclose its early withdrawal penalties. Customer service states that the bank will reveal your penalty only after you’ve requested an early withdrawal.
UMBBank CDs FDIC insured?
Yes, UMB Bank CDs are FDIC insured up to $250,000 per account holder per account ownership category.