UMPQUA Banks top rate is 0.20% APY. This is on their 24-month account. This is a great investment for those looking for a middle ground between APY and length of the account.

They also offer a 12-month CD with 0.15% APY. This is a fantastic low risk, fast turnaround option for those investors who are looking for a quick return on their investments.

They do offer more terms for anyone who is interested; however they will have to contact the bank directly or online to speak to a company representative. Any of the branch associates or online representatives will have all the answers you need for new or existing accounts.

Annual Percentage Yield (APY) is available on a new 12-month Certificate of Deposit (CD). A minimum opening deposit and account balance of $1,000 is required to earn the APY. $75,000 maximum deposit when applying online. Excludes public funds. A penalty fee may be imposed for early withdrawal. Other applicable fees may apply; fees may reduce earnings. APY is effective August 13th, 2020 and is subject to change without notice.


You will need to open at least a saving account with UMPQUA in order to start a CD with them. This is a 5-minute process that requires a minimum of $25 to open. Once that is opened and money deposited, they can then set you up with any CD that you are interested in. Any of their physical location branches or their online associates would be more than happy to assist you in setting up any new account. If you already have an account with them, any associate would be happy to answer any questions about CDs that you may have.

Branches in California

Sonora, Copperopolis, Modesto, Templeton, San Andreas, Valley Springs, Sutter Creek, Lodi, San Jose, and Placerville

Branches in Nevada

3 branches in Reno and 1 branch in Incline Valley

Branches in Oregon

3 branches in Bend, Redmond, Sweet Home, Springfield, Cottage Grove, Klamath Falls, and Eugene

Branches in Washington

Waterville, Cle Elum, Brewster, North Bend, Ellensburg, Issaquah, Redmond, Coulee City, Kirkland, and Bellevue 

Bank Overview

Umpqua bank got its start in 1953 in Canyonville, Oregon. This was the first bank of the town, founded by members of the community. A small logging town along the Umpqua river.  This is still a small, tight knit town that is the iconic American Hometown. The Umpqua Bank keeps that value in all of its transactions. They will make you feel like a part of the family or a very old friend when you talk to any of the associates. They have 33 branches, and all their services are available online just as in person. They offer check deposits, check cashing, cash withdraws, loans, sending money, order checks, make account changes, cash or coin orders, power-of-attorney services, notary of the public, safety deposit boxes, apply for and sign for new loans, do wire transfers, IRAs and saving bonds, and more from either online or in person. They also now have a newly introduced mobile app that will let you deposit a check, pay a bill, check any of the balances on your accounts and much more. Online, you have the option of chatting live with a bank representative that will be more than happy to answer any needs or questions that you may have.