CDARS stands for Certificate of Deposit Account Registry Service. It’s the easiest, smartest and safest way to access multi-million dollars in FDIC-insured investments, all in CDs sharing one rate and through the one bank you trust; Umpqua. No need to negotiate multiple rates or juggle multiple account statements.

From four weeks to three years, you can choose from a variety of rates and maturities to find the one that’s right for you. Like all Umpqua Bank deposits, your funds support development projects or other lending initiatives that help your local community strengthen and grow.

Simply sign a CDARS Deposit Placement Agreement, make your deposit and the rest is up to us. We break up your large deposit into multiple CDs, each with amounts under $250,000, within our special network of participating banks so your entire deposit is completely insured. Better yet, you receive the convenience of working with just one bank and the insurance from many.

Each month, you’ll receive one easy-to-read statement detailing all of your CDs, the maturity dates and the interest earned. And don’t worry, you won’t be surprised with hidden fees. We’re the only people you’ll need any time for any financial service, so you can breathe easy.

CDARS accounts require a minimum opening deposit, an Umpqua Checking or Money Market Account, and a minimum total Umpqua deposit relationship. Early withdrawal penalties/fees may apply. Fees may reduce earnings. All offers subject to approval. See an associate for details.

If a depositor is subject to restrictions with respect to the placement of funds in a depository institutions, it is the responsibility of the depositor to determine whether the placement of the depositor’s funds through CDARS or a particular CDARS transaction satisfies those restrictions. Public fund deposits must be placed through a CDARS® ReciprocalSM transaction to ensure that the total dollar amount is maintained by the financial institution that offers CDARS. Limits apply. Funds may be submitted for placement only after a depositor has signed a CDARS Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS satisfies the FDIC’s requirements for agency pass-through deposit insurance coverage.

CDARS and Certificate of Deposit Account Registry Service are registered service marks, and CDARS Reciprocal are service marks of Promontory Interfinancial Network, LLC.