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 69th largest bank in the nation. It was established in 1953 and as of September of 2018, it had grown to 3,930 employees at 277 locations. Umpqua Bank has an A+ health rating.

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Umpqua Bank - 1.85% APY, 13-Month CD Promotion - 5/17/2018

Minimum opening deposit and account balance is $1,000 with a maximum deposit of $75,000. Online application is available. All applicants must be US citizens at least 18 years of age living in California, Washington, Oregon, Idaho, or Nevada. Option available to fund your CD with an electronic transfer from another bank. Subject to early withdrawal penalties. More details and online application here: https://www.umpquabank.com/personal-banking/savings/certificate-deposit/#promotion

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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

My experiences with Umpqua Bank

I switched over to Umpqua Bank after having repeatedly been let down by Wells Fargo. I found that at Umpqua, I get a lot more personalized service. The few times I have had an issue, I have been able to get through to a human and get the problem resolved pretty quickly, instead of wading through an endless phone tree morass that you encounter with a bigger institution.

Worst Bank Ever

Bank "upgraded" its online program causing my computer to crash everytime I logged on. Bank suggested I disable my virus protection while using online banking!!!! Spent countless hours switching to their business banking platform only to run into problem after problem after problem. I have wasted dozens of hours trying to cope with this bank's choice to buy a terrible bill pay system. "World's Greatest Bank"? More last "World's Greatest Banking Nightmare".



Health Grade Components

FDIC Certificate #17266
Year Established1953
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD7.85%
Annual Interest Income$784.5MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$26.59B$25.65B
LoansQ3 2018vs Q3 2017$20.00B$18.95B
DepositsQ3 2018vs Q3 2017$21.01B$19.96B
Equity CapitalQ3 2018vs Q3 2017$4.30B$4.27B
Loan Loss AllowanceQ3 2018vs Q3 2017$143.9MM$139.4MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$86.3MM$75.2MM
Real Estate OwnedQ3 2018vs Q3 2017$11.8MM$4.2MM
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Always verify rates and promotions with the bank or credit union. We are not Umpqua Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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

Umpqua Bank Money Market Rates

0.10%*$100k*-Prosper Money Market with Checking
OTHER TIERS: 0.05% Up to $10k | 0.07% $10k - $100k
0.08%*$100k*-Prosper Money Market without Checking
OTHER TIERS: 0.03% Up to $10m | 0.05% $10k - $100k
0.07%*$100k*-Thrive Money Market
OTHER TIERS: 0.03% Up to $10k | 0.05% $10k - $100k

Umpqua Bank Checking Account Rates

0.01%--Attain Checking

Umpqua Bank CD Rates

3.00%$1k-24 Month CD
2.70%$1k-13 Month CD
2.70%$1k$75k13 Month Online CD


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