UMB Bank

FDIC-insured · certificate 8273

Savings, money market, checking and CDs, with every rate from UMB Bank’s own pages and every rank against the accounts we track.

Checked Nov 1, 2026Updated Nov 1, 2026

Best savings rate: 3.86%APY · UMB Retail Money Market Account
Best CD rate: 4.25%APY for 15 months

Every account we track

Accounts and rates

Savings and money market

A year on $10,000, after fees

UMB Retail Money Market AccountMoney market account · $100 to open3.86%$0$10 a month

UMB Premium SavingsSavings account · $25,000 to open0.55%−$125$15 a month

UMB SavingsSavings account · $100 to open0.02%$2$3 a month

UMB Youth SavingsSavings account · $25 to openNot stated—None

Checking

Against 1043 checking accounts

UMB Check-Free BankingChecking account · $10 to openNot stated#556$5 a month

UMB Free CheckingChecking account · $10 to openNot stated—None

UMB Select CheckingChecking account · $1,000 to open0.02%—$20 a month

UMB Value CheckingChecking account · $100 to openNot stated—$8 a month

UMB Time Deposit Account (CD), by term

$500 to open

3 months3.85%—

9 months4.20%—

15 months · UMB Bank’s best4.25%—

A dash: a term we don’t rank. Also at UMB Bank: 15-Month Time Deposit Account, up to 4.25%; 3-Month Time Deposit Account, up to 3.85%; 9-Month Time Deposit Account, up to 4.20%. All UMB Bank CDs

Against the market

How UMB Bank ranks

Where each ranked account sits on our list for its kind. Further right is higher on the list.

UMB Check-Free BankingChecking account#556 of 1043
UMB Retail Money Market AccountMoney market account#103 of 174
UMB SavingsSavings account#210 of 270
UMB Premium SavingsSavings account#267 of 270

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.