For all those consumers who are living on or near the West Coast and want some sort of in-person banking relationship, Umpqua Bank is the ultimate option available for them to approach traditional banking services. Its physical branches are located in California, Washington, Nevada, Oregon, and Idaho.

Umpqua CD Bank Offers

They do offer more terms for anyone 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.

Officially authenticated offer options for Umpqua Bank CD Rates are as follows;

12-Month CD Offer: Earn 3.25% APY!

Key Features

  • Enjoy a remarkable 3.25% APY on your 12-month CD.
  • A mere $1,000 is all it takes to start your journey toward higher returns.
  • When applying online, take advantage of an elevated experience with a maximum deposit limit of $75,000.
  • Seamlessly fund your CD through electronic transfers from your existing bank, ensuring a hassle-free process.
  • Keep more of your earnings with no monthly service charges to worry about.


  • Early Withdrawal Penalties: While the opportunity for growth is significant, be aware that early withdrawals may incur penalties. For precise details on withdrawal penalties, consult with one of our knowledgeable associates.

Pros & Cons

Opportunity for financial growthEarly withdrawal penalties may apply
Low opening deposit of $1,000Maximum deposit limited to $75,000 when applying online
Convenient electronic fund transfersAPY subject to change without notice

24-Month CD Offer: Earn 0.10% APY!

Key Features

  • Annual Percentage Yield (APY) is 0.10% on the fixed 24-month CD.
  • A minimum opening deposit of $1,000 is required.
  • The maximum deposit is $75,000 when applying online.
  • Electronic transfer from another bank can be used to fund the CD.
  • There is no monthly service charge associated with this CD.
  • CDs are subject to early withdrawal penalties, and these penalties may reduce earnings. Specific penalty details can be obtained by consulting with an associate.
  • The offer excludes public funds.


  • Understand the early withdrawal penalties associated with the CD.
  • Verify and consider any potential additional fees that may apply to the CD.
  • For further details on early withdrawal penalties, consult with an associate.

Pros & Cons

Minimum opening deposit of $1,000Low APY of 0.10%
Easy funding through electronic transferOther applicable fees may reduce earnings
No monthly service charges
Opportunity for longer-term savings

How Much You Can Earn With Umpqua CDs?

Apart from all the discrimination, the extent of earning varies a lot. It depends upon various factors such as; CD terms, interest rates, and most importantly withdrawal considerations. Experts suggest using a highly authentic financial calculator to calculate the right interest ratio.

When it comes to the standard rate of CDs it does not offer so much flexibility, however; the competitive rates are mainly offered by the promotional CD rates. In terms of earnings, this is the justified rule that if you will withdraw your projection before the required time you will surely not attain the actual or advertised APY.

To gain a high profitability ratio, you have to leave the interest in your account for more than required term to ensure the sustainability.

  • For a 12-month CD, an initial deposit of $1,000 yields an estimated total of $1,045, with proportional increases for higher deposits.
  • The 24-month CD shows a similar pattern, with an initial $1,000 deposit resulting in around $1,002.

In this regard,  the larger initial deposits demonstrate corresponding growth, with a $10,000 deposit reaching an estimated total of $10,450 for the 12-month CD, and $10,020.01 for the 24-month CD.

How Umpqua CD Rates Compare to Others?

When it comes to comparing the CD rates of Umpqua Bank with other banks of the local and state, it is influenced by versatile considerable factors;

  • Length of Maturity
  • Current Interest Rate
  • Amount of Deposit
  • Credit Union

There are certain exceptions when the interest rates get low. In this time span, the banks and other financial authorities generate less incentives, thus the extent of the seeking audience attraction also gets lower for Certificate of Deposit (CD) rates. To cope with these factors, the long term investments are highly appreciated to deal with the perspective of growth and productivity.

InstitutionCD TermAPY
Wings Financial Credit Union5-Year2.58%
Fort Knox Federal Credit Union4-Year3.25%
Umpqua Bank12-Month Special3.25%
Incredible Bank13-Month4.58%

Overview of Umpqua Bank

Umpqua Bank got its start in 1953 in Canyonville, Oregon. This was the first bank in 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 300+ branches, and all their services are available online just as in person.

Bank offer check deposits, check cashing, cash withdrawal, 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 can chat live with a bank representative who will be more than happy to answer any needs or questions you may have.

Locations for Umpqua Bank

There are total 300+ locations in 5 states. Take a look:

60 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, San Francisco, San Jose, Sacramento, Templeton, Turlock, Ukiah, Vacaville, Vallejo, Valley Springs, Walnut Creek, Weaverville, Wheatland, Willows, Windsor, Woodland, Yuba City, and other

3 Branches in Nevada

Reno, Incline Village, and Henderson. 

105 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, Myrtle Creek, Newport, North Bend, Ontario, Hillsboro, Pendleton, Portland, Phoenix, Redmon, Reedsport, Rogue River, Sutherlin, Sweet Home, Beaverton, Tillamook, Tualatin, Wilsonville, Yamhill, and others.

115 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, White Salmon, and more.

24 Branches in Idaho

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


What fees are associated with opening a CD at Umpqua Bank?

Umpqua Bank does not require any extra fee other than early withdrawal penalties and minimum deposit. The most detailed information can be taken up from the bank fee schedule.

How do I open a CD account with Umpqua Bank?

The process is very easy. You can open a CD at Umpqua Bank by visiting a branch. You can apply online, or contact customer service. Additionally, you are required to provide the necessary information and must agree to terms.

Is there an auto-enroll feature for CD renewal at Umpqua Bank?

Umpqua Bank may offer auto-renewal for CDs. To find out that you must check the bank’s policy and specify renewal preferences after the maturity date.

What fees could impact CD earnings at Umpqua Bank?

Early withdrawal penalties are key fees that may impact CD earnings. So you must be familiar with these penalties before considering any sort of withdrawal.

Can I set up automatic deposits into my Umpqua Bank CD?

Yes, Umpqua Bank may provide options for automatic transfers from your other accounts to your CD.

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).