UMPQUA Banks top rate is 0.10% 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 0.05% APY. This is a fantastic low rate, compared the best cd rates nationwide.

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 December 6th, 2022 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 $1000 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

Antelope, Antioch, Arbuckle, Arcata, Auburn, Benicia, Cameron Park, Chico, Colusa, Concord, Copperopolis, El Dorado Hills, Elk Grove, Encino, Eureka, Folsom, Fortuna, Garberville, Glendale, Kelseyville, La Mesa, Lakeport, Lincoln, Lodi, Los Molinos, Marysville, Mckinleyville, Modesto, Napa, Newport Beach, Novato, Orland, Oxnard, Petaluma, Placerville, Red Bluff, Redding, Rocklin, Roseville, Sacramento, Saint Helena, San Andreas, San Francisco, San Jose, San Rafael, Santa Rosa, Sebastopol, Sonoma, Sonora, Sutter Creek, Templeton, Turlock, Ukiah, Vacaville, Vallejo, Valley Springs, Walnut Creek, Weaverville, Wheatland, Willows, Windsor, Woodland, and Yuba City.

Branches in Nevada

Reno, Incline Village, and Henderson. 

Branches in Oregon

Albany, Ashland, Baker City, Bandon, Bend, Brookings, Burns,  Canyonville, Central Point, Clackamas, Clatskanie, Coos Bay, Coquille, Corvallis, Enterprise, Eugene, Florence, Grants Pass, Glendale, Cottage Grove, Portland, Roseburg, Salem, Gold Beach, Gresham, Hermiston, Independence, La Grande, Jacksonville, Jefferson, John Day, Klamath Falls, Lake Oswego, Lakeview, Lebanon, Medford, Merrill, Springfield, Monroe, Myrtle Creek, Newport, North Bend, Ontario, Hillsboro, Pendleton, Phoenix, Redmon, Reedsport, Rogue River, Sutherlin, Sweet Home, Beaverton, Tillamook, Tualatin, Wilsonville, and Yamhill.

Branches in Washington

Puyallup, Seattle, Lynnwood, Auburn, Battle Ground, Bellevue, Bellingham, Blaine, Brewster, Chehalis, Clarkston, Cle Elum, Coulee City, Vancouver, Ellensburg, Federal Way, Forks, Gig Harbor, Goldendale, Spokane, Issaquah, Kennewick, Kent, Kirkland, Lacey, Lakewood, Liberty Lake, Medical Lake, Mercer Island, Montesano, Moses Lake, North Bend, Tacoma, Olympia, Oroville, Othello, Lacey, Pasco, Port Roberts, Port Angeles, Pullman, Redmond, Richland, Ritzville, Rochester, Puyallup, Stevenson, Walla Walla, Waterville, and White Salmon.

Branches in Idaho

Boise, Cascade, Couer D Alene, Grangeville, Hayden, Lewiston, Mccall, Meridian, Moscow, Plumer, and Troy.

Are Umpqua CDs Good?

Umpqua Bank CD Rates are quite poor given the low yield of under 1%. We recommend you consider other options to invest your money.

Is Umpqua Safe To Invest in CDs?

Umpqua Bank is FDIC insured, insuring your CD rates up to $250,000 USD. Umpqua bank is financially sound, with over $30 billion in assets and under $27 billion in deposits (Q2 2022).

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.

Umpqua Bank promises to treat their customers like people, and not just a number. Their goal is to get to know you as a person while also helping you reach your financial goals. Umpqua Bank was founded by locals and remains run that way. That’s why community is so important to them. One of their top priorities involves giving back as much as possible to their community, no matter what.