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UMB Bank, National Association
Phone: 816 860 7930
ACH Number: 101205681
SWIFT Code: UMKCUS44XXX
UMB Bank, National Association is an FDIC insured institution headquartered at
1010 Grand Blvd, Kansas City, MO 64106.
It was founded in
1902 and has approximately $71 billion in assets. Customers can open an account at one of its 134 branches.
It was founded in 1902 and has approximately $71 billion in assets. Customers can open an account at one of its 134 branches.
Deposit Rates - December 13, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.02% | $0 | Compare |
|
SAV
|
0.55% | $1 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
4.02% | $5,000 | Compare |
|
6 Mo CD
|
0.02% | $0 | Compare |
|
11 Mo CD
|
3.70% | $5,000 | Compare |
|
12 Mo CD
|
0.03% | $0 | Compare |
|
18 Mo CD
|
0.05% | $0 | Compare |
|
24 Mo CD
|
0.05% | $0 | Compare |
|
36 Mo CD
|
0.05% | $0 | Compare |
|
48 Mo CD
|
0.05% | $0 | Compare |
|
60 Mo CD
|
0.05% | $0 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
3.61% | $10,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.02% | $25,000 |
Featured Home Equity Rates
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NMLS ID: 292473 / Updated 2025-09-22Intro APR: 6.950 %
After Intro:6.950 %
$15,000 -
Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22Intro APR: 6.950 %
After Intro:6.950 %
$15,000 -
Intro APR: 6.990 %
After Intro:6.990 %
$0 - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Featured 30-Year Fixed Mortgage Rates
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Sponsored
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Reliant Home Funding, Inc.
NMLS ID: 2924735.872% $1,868 Fees & Points $4,277 Total
0.713 Pts ($2,282)
$1,995 Fees -
PenFed Credit Union
NMLS ID: 4018226.277% $1,945 Fees & Points $5,200 Total
0.625 Pts ($2,000)
$3,200 Fees -
Quicken Loans
NMLS ID: 167283Fees & Points Total
Pts ($0)
$0 Fees -
Rocket Mortgage
NMLS ID: 3030Fees & Points Total
Pts ($0)
$0 Fees - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 8273 |
| Date Established | 1902 |
| Assets | $ 71.44 billion |
| Loans | $ 36.42 billion |
| Deposits | $ 60.60 billion |
| Capital | $ 7.02 billion |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 11.10 billion |
| Interest-bearing balances | $ 10.00 billion |
| Total securities | $ 17.67 billion |
| Federal funds sold and reverse repurchase | $ 737.19 million |
| Net loans and leases | $ 36.42 billion |
| Loan loss allowance | $ 389.92 million |
| Trading account assets | $ 21.87 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 4.08 million |
| Goodwill and other intangibles | $ 2.30 billion |
| All other assets | $ 1,370.97 million |
| Total Assets | $ 64.42 billion |
| LIABILITIES | |
| Total deposits | $ 60.60 billion |
| Interest-bearing deposits | $ 41.51 billion |
| Deposits held in domestic offices | $ 60.60 billion |
| % insured (estimated)" | 35.67% |
| Federal funds purchased and repurchase agreements | $ 2.93 billion |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 387.25 millionn |
| Total Liabilities | $ 64.42 billion |
| Shareholders’ Equity | $ 7.02 billion |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 1,586.31 million |
| Total Interest Expense | $ 703.03 million |
| Net interest income | $ 883.28 million |
| Provision for loan and lease losses | $ 107.00 million |
| Total non interest income | $ 292.61 million |
| Total non interest expense | $ 712.85 million |
| Pre-tax Net Operating Income | $ 237.63 million |
Customer Reviews for UMB Bank, National Association
Branches
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UMB Bank, National Association Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBank-$50,000N.A.0.02%0.09x (National Avg. - 0.23%)$0-SCENARIO
Year Rate
0.02%Annual
InterestAnnual Interest
(After Tax)1 50,000 10 7 2 50,010 10 7 3 50,020 10 7 4 50,030 10 7 5 50,040 10 7 6 50,050 10 7 7 50,060 10 7 8 50,070 10 7 9 50,080 10 7 10 50,090 10 7 11 50,100 10 7 12 50,110 10 7 13 50,120 10 7 14 50,130 10 7 15 50,140 10 7 16 50,150 10 7 17 50,160 10 7 18 50,170 10 7 19 50,180 10 7 20 50,190 10 7 TOTAL $200 $140 - 2ONLINE SAVINGSBank-$50,000N.A.4.00%17.70x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689
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