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Bank deposit products provided by UMB Bank n.a., Member FDIC. Equal Housing Lender  

4.47

Get started and see your savings grow! Don't miss out on these limited time special offers.

Visit your local UMB branch today to open an account and take advantage of these great rates!

We often refer to a time deposit account as a "CD" or "Certificate of Deposit" account even though we do not issue actual "certificates."

1. 3-MONTH TIME DEPOSIT ACCOUNT SPECIAL OFFER: Annual Percentage Yield (APY) effective as of 12.19.2024. The minimum deposit amount required to establish this 3-Month Time Deposit Account ("CD") Special Offer and obtain the 4.47% APY is $5,000.00. Interest rate 4.40%. Restrictions apply. Not available for individual retirement accounts. A penalty will be imposed on early withdrawals.
   
   5-MONTH TIME DEPOSIT ACCOUNT SPECIAL OFFER: Annual Percentage Yield (APY) effective as of 12.19.2024. The minimum deposit amount required to establish this 5-Month Time Deposit Account ("CD") Special Offer and obtain the 4.40% APY is $5,000.00. Interest rate 4.34%. Restrictions apply. Not available for individual retirement accounts. A penalty will be imposed on early withdrawals.
   
   11-MONTH TIME DEPOSIT ACCOUNT SPECIAL OFFER: Annual Percentage Yield (APY) effective as of 12.12.2024. The minimum deposit amount required to establish this 11-Month Time Deposit Account ("CD") Special Offer and obtain the 4.22% APY is $5,000.00. Interest rate 4.21%. Restrictions apply. Not available for individual retirement accounts. A penalty will be imposed on early withdrawals.
   
   These Special Offers will be available to new UMB Bank customers who establish a new UMB Time Deposit account with at least $5,000 new money (funds not currently on deposit at UMB). For existing UMB Bank customers, these Special Offers will be available for customers who establish a new UMB Time Deposit account with at least $5,000, of which $0.75 of every $1.00 is new money (funds not currently on deposit at UMB). Limited time offers; UMB Bank reserves the right to discontinue these Special Offers at any time.
   
   
2. UMB RETAIL MONEY MARKET ACCOUNT SPECIAL OFFER: Annual Percentage Yield (APY) effective as of 12.19.2024. All account applications are subject to approval. This Special Offer is available to new UMB Retail Money Market accounts opened in the following states: Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma, Texas; and, to new UMB Retail Money Market accounts opened as part of the UMB myPerks Workplace Banking program. The minimum opening deposit amount required to establish this Special Offer UMB Retail Money Market account is $1,000.00. For new UMB Bank customers, the minimum balance required to obtain the 3.82% APY is $10,000.00 in new money (funds not currently on deposit at UMB). For existing UMB Bank customers, the minimum balance required to obtain the 3.82% APY is $10,000.00, of which $0.75 of every $1.00 is new money (funds not currently on deposit at UMB). Limited time offer; UMB Bank reserves the right to discontinue this Special Offer at any time.
   
   

   Balance Levels	Interest Rate	APY
   $0.00 - $9,999.99	0.10%	0.10%
   $10,000.00 - $24,999.99	3.75%	3.82%
   $25,000.00 - $49,999.99	3.75%	3.82%
   $50,000.00 - $74,999.99	3.75%	3.82%
   $75,000.00 - $99,999.99	3.75%	3.82%
   $100,000.00 - $999,999.99	3.75%	3.82%
   $100,000,000.00 and above	3.75%	3.82%

   
   Interest rates and annual percentage yields may vary by region and may be changed at any time solely at the discretion of the Bank, including after your account has been opened. Account subject to transaction limitations. Fees and charges could reduce earnings. Restrictions apply.

3-Month Time Deposit Account

3.82

UMB Retail Money Market Account

$5,000 minimum balance to open and obtain special offer

%
APY¹

%
APY²

$1,000 minimum deposit to open

$10,000 minimum balance to obtain special offer

UMB Bank Customer Reviews

Always friendly and knowledgeable while always going the extra mile to help me out! This is one of the reasons I have banked with UMB for over 40 years!

- Darrell from Independence, MO

Great service and locations. Everyone was so friendly and professional. It is so nice that there is still a bank that caters specifically to its customers needs.

- Cynthia from Phoenix, AZ

My UMB Bank staff are always available, knowledgeable, and helpful! They have helped me for years with many issues and life events. I highly recommend UMB!

- Gina from Denver, CO

Don’t miss these great rates!
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Make your money work with great rates on these time deposit and money market accounts.
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All reviews courtesy of Google

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Don’t miss these great rates!
Boost your savings now with high-yield accounts from UMB.

4.40

%
APY¹

5-Month Time Deposit Account

4.22

%
APY¹

11-Month Time Deposit Account