Great Rates

   Great Timing


Use SmartLock to secure your rate now

Smiling family outside house

Thinking about home improvements? Want to pay down debt? Make a big purchase? Consider tapping your Home Equity Line of Credit to fund your dreams. You can use our SmartLock feature to draw some or all of your line of credit and lock in with current low rates. 

SmartLock provides you:  


  • Financial flexibility: You decide how much to borrow and how to spend it

  • Stability: Lock in low rates ahead of potential rate increases 

  • Peace of mind: Establish a fixed payment on principal and interest, so you know your monthly payment 

The time has never been better


HELOC Contract

Right now, Umpqua is offering fixed rates as low as 2.99% APR* for a 12-month term for SmartLock, and as low as 3.75% APR* for an additional 9-year term. We are also waiving up to 3 SmartLock fees (normally $50 each). This offer is only good through May 27, 2022.

Get started today

To find out more or begin the process, call us at (866) 486-7782 or visit your local store.