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 44th largest bank in the nation. It was established in 1953 and as of June of 2023, it had grown to 5,255 employees at 328 locations. Umpqua Bank's money market rates are 11X 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.

Worst Bank To Do Business With - They Are A Bunch Of Frauds

Posted by: |

Since the merger with Columbia bank, Umpqua Bank became a bank of thieves and fraudulent people.

Was home, received a call that there was an illegal charge on my bank card. I logged-in to my account and could not see the charge. But I am told that they have to disable the card though they could not prove it. A couple of days later, the entire balance on my checking disappeared ($13k). Don't do business with Umpqua or Columbia bank. They don't value their customers.



Health Grade Components

FDIC Certificate #17266
Year Established1953
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD6.06%
Annual Interest Income$1.15B
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$53.58B$30.13B
LoansQ2 2023vs Q2 2022$36.83B$24.40B
DepositsQ2 2023vs Q2 2022$40.88B$26.28B
Equity CapitalQ2 2023vs Q2 2022$5.25B$2.78B
Loan Loss AllowanceQ2 2023vs Q2 2022$404.6MM$261.1MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$52.2MM$18.6MM
Real Estate OwnedQ2 2023vs Q2 2022$278.00K$1.9MM
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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.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

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

5.00%*$3m*-Commercial Bank Money Market Special
OTHER TIERS: 0.02% Up to $100k | 4.80% $100k - $3m
4.80%*$100k*-Premium Personal Money Market Special
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $100k
4.60%*$10k*-Thrive Money Market Special - New Money
OTHER TIERS: 0.05% Up to $10k
4.60%*$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

5.30%$10k-7 Month CD Special w/ Attain Checking - New Money
5.25%$10k-7 Month CD Special - New Money
5.25%$10k-Business 7 Month CD Special - New Money
5.05%$10k-11 Month CD Special w/ Attain Checking - New Money
5.00%$10k-11 Month CD Special - New Money
5.00%$10k-Business 11 Month CD Special - New Money
4.75%$1k-12 Month CD
4.75%$1k-12 Month CD w/ Attain Checking
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


Eugene Area

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