What are the current interest rates at UMB Bank?

Current rates for UMB Bank include: 12-Month CD: 0.05%

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Banks›
UMB Bank

iAdvertiser Disclosure

UMB Bank Rates & Review October 2026

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 2, 2026

UMB Bank's top rate as of October 2, 2026 is 4.25% APY on its 15-MONTH TIME DEPOSIT ACCOUNT CD, according to rates verified by MonitorBankRates. Other UMB Bank CD rates include 9-MONTH TIME DEPOSIT ACCOUNT at 4.20%, 3-MONTH TIME DEPOSIT ACCOUNT at 3.85%, and 180-Months 180-Month Time Deposits at 0.10%. 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 10/02/2026.

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 Q2 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

Be the first to review

Write a Review

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
15-MONTH TIME DEPOSIT ACCOUNT	4.24%	4.25%	15-MONTH
Min Deposit $500 Min Balance $500 Details Special Offer. Apply now balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. Last Updated 10/02/2026 Rate History No change since Sep 27, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
9-MONTH TIME DEPOSIT ACCOUNT	4.18%	4.20%	9-MONTH
Min Deposit $500 Min Balance $500 Details Special Offer. Apply now balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. Last Updated 10/02/2026 Rate History No change since Sep 27, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
3-MONTH TIME DEPOSIT ACCOUNT	3.80%	3.85%	3-MONTH
Min Deposit $500 Min Balance $500 Details Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. Last Updated 10/02/2026 Rate History No change since Sep 27, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
180 month Time Deposits	0.10%	0.10%	180 months
Min Deposit $500 Min Balance $500 Details under $100,000; Standard Rates. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and that payout of interest is mandatory. Last Updated 10/02/2026 Rate History No change since Oct 2, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
12 month Time Deposits	0.10%	0.10%	12 months
Min Deposit $100,000 Min Balance $100,000 Details $100,000; Jumbo Rates. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. Last Updated 10/02/2026 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%
12 month Time Deposits	0.05%	0.05%	12 months
Min Deposit $500 Min Balance $500 Details under $100,000; Standard Rates. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and that payout of interest is mandatory. Last Updated 10/02/2026 Rate History 2 changes since Sep 18, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 3.85% / low 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%

UMB Bank Other Rates

Product	Rate	Points	APY/APR	Term
UMB DIRECT CASH Loan	-	-	15.49%	12 months
Details Published APR range: 15.49% to 23.49%. Intro rate expires: 12 months; Regular APR: 15.49% to 23.49% Last Updated 10/02/2026 Rate History No change since Sep 15, 2026 · 15.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
UMB SIMPLY REWARDS Loan	-	-	15.49%	12 months
Details Published APR range: 15.49% to 23.49%. Intro rate expires: 12 months; Regular APR: 15.49% to 23.49% Last Updated 10/02/2026 Rate History No change since Sep 15, 2026 · 15.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
UMB TRAVEL SELECT Loan	-	-	15.49%	12 months
Details Published APR range: 15.49% to 23.49%. Intro rate expires: 12 months; Regular APR: 15.49% to 23.49% Last Updated 10/02/2026 Rate History No change since Sep 15, 2026 · 15.49% APR · checked 3 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

Institution Name UMB Bank

Bank Holding Company UMB FINANCIAL CORP

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

Website https://www.umb.com

FDIC Certificate # 8273

Established 19020828

FDIC Insurance Date 19340101

Domestic Offices 207

Total Branches 209

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.78%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3857%

Return on Equity (ROE) 13.0600%

Non-Performing Loans (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 06/30/2026

Q2 2026 MBR Health & Safety Badge

UMB Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/umb-bank-rates-review">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for UMB Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for UMB Bank

Frequently Asked Questions About UMB Bank

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.