Umpqua Bank

Overview / Commentary
445 S.E. Main Street
Roseburg, OR 97470

Umpqua Bank is headquartered in ROSEBURG and is the largest bank in the state of Oregon. It is also the 45th largest bank in the nation. It was established in 1953 and as of September of 2023, it had grown to 5,029 employees at 325 locations. Umpqua Bank's money market rates are 10X the national average, and it has an A health rating.

Umpqua Bank

I love this bank. When I lost my card they made it super easy to get a new one. They have also forgiven overdraft fees when I ran into financial hardships because I had previously maintained my account pretty well. I appreciate that they don't charge overdraft fees for less than $5 of insufficient funds. Whenever I get a chance to go back to Oregon and go into a physical bank, the tellers are always very nice and super helpful.

This Is Not Really An Online Bank

I attempted to open a two year CD that I saw listed here. I am not an existing customer of this bank. However, after going to the website and then calling, I learned that the two year CD could not be opened on line.
To get the two year CD I had to physically go to one of their branches to do that. Nonetheless, I would not be able to fund such a CD by ACH (most of my investable funds are at other internet banks and funds are moved by ACH). Rather, I would have to open a deposit account which could be funded by ACH, too complicated.
While there website shows online capability, it seems that is only intended for existing customers

The Bank Of "I Don't Know"

Posted by: |

I have never seen less competent bank employees in my life. I opened a checking account and it was a disaster. They misspelled the name, didn't send a pin for the atm card. You will have to go down to the branch and tell the employees what to do. They are next to worthless and should be replaced with machines ASAP.

Leaving This Place- Not Really A Bank

Posted by: |

Every time I try to transfer money to another bank after having done it for years, it cancels it. It sends me an authorization number, it says it’s authorized, it drafts, the check, and then it cancels it. And Umpqua does not know why. They can’t fix it. They don’t know what the problem is and they keep telling me that I must be going in and canceling it. Umpqua is a bunch of losers. Yep that’s what I said. I hope I hurt your feelings boohoo! You’ve wasted so much of my time. I’m disgusted that you call yourself a bank.



Health Grade Components

FDIC Certificate #17266
Year Established1953
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD8.1%
Annual Interest Income$1.85B
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$51.97B$31.47B
LoansQ3 2023vs Q3 2022$36.81B$25.37B
DepositsQ3 2023vs Q3 2022$41.66B$26.97B
Equity CapitalQ3 2023vs Q3 2022$5.06B$2.68B
Loan Loss AllowanceQ3 2023vs Q3 2022$416.6MM$283.1MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$75.9MM$25.8MM
Real Estate OwnedQ3 2023vs Q3 2022$1.2MM$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Umpqua Bank Savings Account Rates

0.01%--Grow Savings
0.01%--Community Business Savings
0.01%--IRA Savings
0.01%--Coverdell Education Savings

Umpqua Bank Money Market Rates

4.60%*$3m*-Commercial Bank Money Market Special
OTHER TIERS: 0.15% Up to $50k | 0.25% $50k - $100k | 4.55% $100k - $3m
4.55%*$100k*-Premium Personal Money Market Special
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $100k
4.40%*$10k*-Thrive Money Market Special - New Money
OTHER TIERS: 0.05% Up to $10k
4.40%*$10k*-Business Main Street Money Market Special
OTHER TIERS: 0.05% Up to $10k
1.25%*$3m*-Commercial Money Market
OTHER TIERS: 0.15% Up to $50k | 0.25% $50k - $100k | 0.50% $100k - $500k | 0.75% $500k - $1m | 1.00% $1m - $3m
1.00%*$1m*-Business Marketplace Money Market
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $50k | 0.15% $50k - $100k | 0.30% $100k - $250k | 0.50% $250k - $500k | 0.75% $500k - $1m
1.00%*$1m*-Prosper Money Market - Online Only
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $50k | 0.15% $50k - $100k | 0.30% $100k - $250k | 0.50% $250k - $500k | 0.75% $500k - $1m
0.50%*$1m*-Premium Personal Money Market - Online Only
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $100k | 0.20% $100k - $1m
0.15%*$250k*-Business Main Street Money Market
OTHER TIERS: 0.05% Up to $100k | 0.10% $100k - $250k
0.15%*$250k*-Thrive Money Market - Online Only
OTHER TIERS: 0.05% Up to $100k | 0.10% $100k - $250k
0.08%*$500k*-Business Analyzed Money Market
OTHER TIERS: 0.01% Up to $7.5k | 0.02% $7.5k - $100k | 0.05% $100k - $500k
0.01%--Business Prestige Sweep Money Market

Umpqua Bank Checking Account Rates

0.01%--Attain Checking
0.01%--Business Analyzed Interest Checking
0.01%--Business Repurchase Agreement Sweep

Umpqua Bank CD Rates

4.85%$10k-7 Month CD Special w/ Attain Checking - New Money
4.80%$10k-7 Month CD Special - New Money
4.80%$10k-Business 7 Month CD Special - New Money
4.30%--13 Month CD w/ Attain Checking
4.25%--13 Month CD
4.25%--Business 13 Month CD
3.25%$1k$75k12 Month Online CD
0.15%$1k-12 - 17 Month CD w/ Attain Checking
0.15%$1k-18 - 23 Month CD w/ Attain Checking
0.15%$1k-24 - 35 Month CD w/ Attain Checking
0.15%$1k-36 - 47 Month CD w/ Attain Checking
0.15%$1k-48 - 59 Month CD w/ Attain Checking
0.15%$1k-5 Year CD w/ Attain Checking
0.15%$1k-2 Year Bump Up CD w/ Attain Checking
0.10%$1k-24 - 35 Month CD
0.10%$1k-12 - 17 Month CD
0.10%$1k$75k24 Month Online CD
0.10%$1k-18 - 23 Month CD
0.10%$1k-36 - 47 Month CD
0.10%$1k-48 - 59 Month CD
0.10%$1k-5 Year CD
0.10%$1k-Business 12 - 17 Month CD
0.10%$1k-Business 18 - 23 Month CD
0.10%$1k-Business 24 - 35 Month CD
0.10%$1k-Business 36 - 47 Month CD
0.10%$1k-Business 48 - 59 Month CD
0.10%$1k-Business 5 Year CD
0.10%$1k-6 - 11 Month CD w/ Attain Checking
0.10%$1k-Business 2 Year Bump Up CD
0.10%$1k-2 Year Bump Up CD
0.07%$1k-3 - 5 Months CD w/ Attain Checking
0.06%$1k-1 - 2 Month CD w/ Attain Checking
0.05%$1k-6 - 11 Month CD
0.05%$1k-Business 6 - 11 Month CD
0.02%$1k-3 - 5 Months CD
0.02%$1k-Business 3 - 5 Months CD
0.01%$1k-1 - 2 Month CD
0.01%$1k-Business 1 - 2 Month CD


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