Its best CD
4.25%
APY for 15 months, as of Nov 1, 2026
4 CDs
UMB Bank CD rates
Every CD we track from UMB Bank, by term, with each term’s place among the CDs we track and its terms of business.
At each term
Its best rates
- 3 months3.85%Not ranked
- 9 months4.20%Not ranked
- 15 months4.25%Not ranked
Places are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.
Every CD
Its CDs, by term
15-Month Time Deposit Account
15 months4.25%—
- Minimum to open
- $500umb.com, checked Nov 1, 2026
The bank’s page · checked Nov 1, 2026. A dash: a term we don’t rank.
3-Month Time Deposit Account
3 months3.85%—
- Minimum to open
- $500umb.com, checked Nov 1, 2026
The bank’s page · checked Nov 1, 2026. A dash: a term we don’t rank.
9-Month Time Deposit Account
9 months4.20%—
- Minimum to open
- $500umb.com, checked Nov 1, 2026
The bank’s page · checked Nov 1, 2026. A dash: a term we don’t rank.
UMB Time Deposit Account (CD)
3 months3.85%—
9 months4.20%—
15 months4.25%—
- Minimum to open
- $500umb.com, checked Nov 1, 2026
The bank’s page · checked Nov 1, 2026. A dash: a term we don’t rank.
CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake