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Best if you:
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Have extra funds & would like to earn interest on your account balance.
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Prefer a low-risk investment with a fixed interest rate.
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Seek a low-risk but flexible investment that can respond to the rate environment.
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Minimum to open:
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$100
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$1,000
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$5,000
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Earns interest:
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Yes
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Yes. Higher balance, longer term = better rate
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Yes, with interest-rate bump option
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Monthly service charge:
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$3. Waived with $200 minimum daily balance.
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N/A
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N/A
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Online banking:
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Yes
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Yes
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Yes
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Extras:
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- Combined statements
- Tie to a checking account for instant overdraft protection
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N/A
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- Add to your investment any time with $1,000 deposits 1
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Umpqua Debit Card:
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Yes
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N/A
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N/A
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Transactions:
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N/A
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N/A
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Set-up fee:
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N/A
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N/A
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N/A
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Processing fee:
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N/A
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N/A
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N/A
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The fine print:
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1 Click on "Rate details" for interest rate and Annual Percentage Yield (APY) information for your zip code location. Rates for other locations may be different. Rates shown are effective as of 04/15/2013, and are subject to change daily without notice. APY based on quarterly compounding of interest. Fees may reduce earnings.
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A penalty may be imposed for early withdrawal.
1 Click on "Rate details" for and Annual Percentage Yield (APY) information for your zip code location. Rates for other locations may be different. Rates shown are effective as of 04/15/2013, and are subject to change at any time and are not guaranteed until the CD is opened. Interest rate and corresponding APY are fixed at the time the account is opened. Annual Percentage Yield (APY) assumes quarterly compounding of interest for terms 90 days or greater. For terms less than 90 days, Annual Percentage Yield (APY) assumes compounding at maturity. Fees may reduce earnings.
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A penalty may be imposed for early withdrawal.
1 Interest rate may be increased once after three months during original six-month term or renewal term and once after six months during original 12-, 18-, 24-, or 36-month term or renewal term, to posted rates available at that time.
2 Click on "Rate details" for interest rate and Annual Percentage Yield (APY) information for your zip code location. Rates for other locations may be different. Rates shown are effective as of 04/15/2013, and are subject to change at any time and are not guaranteed until the CD is opened. Interest rate and corresponding APY are fixed at the time the account is opened, and remain in effect during the account term (unless the rate bump option is chosen). APY assumes quarterly compounding of interest. Fees may reduce earnings.
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Rate details:
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Other possible fees:
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