Looking for a stress-free way to build your savings? A certificate of deposit (CD) is a popular option that comes with minimal risk and requires minimal maintenance. You’ll typically earn a higher annual percentage yield (APY) than if you stored your money in a conventional savings account—but know that with a CD, you can’t access your money for a predetermined period. If you do, you’ll be penalized.
UMB Bank offers several CD options. Generally speaking, only UMB’s “featured” CDs are worth a look. Its standard CD APYs are trounced by many of the best certificates of deposit offered by competitors (we’ll compare them in a minute).
Let’s look at UMB Bank’s CD rates to help you decide if its account options suit your financial goals.
Rates are current as of Aug. 27, 2025 and are subject to change.
UMB Bank CD rates and products
UMB Bank issues multiple CD types, including featured, standard, and jumbo CDs. There are no specialty options such as flexible or IRA CDs, unfortunately. UMB also offers business CDs that come with similar term lengths and minimum opening deposit requirements. It lists few details beyond that, requiring you to connect with a banker to begin setting up your account.
UMB Bank only allows you to open CDs online if your deposit is under six figures. Amounts of $100,000 or more must be opened in-branch.
UMB doesn’t disclose any early withdrawal penalties, instead stating that you’ll discover the fee after requesting your withdrawal. This is a stunning disadvantage that may discourage many from investing money with 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 | 4.30% |
| 11 months | 4.02% |
| 3 months | |
|---|---|
| APY | 4.30% |
| 11 months | |
| APY | 4.02% |
Bank details checked Aug. 27, 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 inferior returns for your money, offering up to 0.30% APY.
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 Aug. 27, 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 Aug. 27, 2025
Compare UMB Bank to 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% | 4.25% |
| 9 months | 9 months | 9 months |
| 0.10% | 3.50% | 4.00% |
| 12 months | 12 months | 12 months |
| 0.10% | 4.00% | 3.50% |
| 36 months | 36 months | 36 months |
| 0.15% | 3.60% | 3.50% |
| 60 months | 60 months | 60 months |
| 0.25% | 3.60% | 3.50% |
| Learn more | Learn more | Learn more |
| View offer at UMB Bank | View offer at MoneyLion | View offer at Northern Bank Direct |
Bank details checked Aug. 27, 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
What is the minimum deposit for UMB Bank CDs?
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.
Are UMB Bank CD rates competitive with other banks?
UMB Bank’s featured CD rates rival even the most generous CDs on the market. Its standard CDs, however, are far from competitive.
What CD terms does UMB Bank offer?
Across all CD types, UMB Bank offers terms of 3, 6, 9, 11, 12, 24, 36, 48, 60, and 72 months.
What are UMB Bank’s 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.
Are UMB Bank CDs FDIC insured?
Yes, UMB Bank CDs are FDIC insured up to $250,000 per account holder per account ownership category.