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What is CDARS?

CDARS, or the Certificate of Deposit Account Registry Service®, is the easiest, smartest and safest way to access multi-million dollar FDIC-insurance on your investments, all in CDs sharing one rate per maturity and through the one bank you trust-Umpqua. No need to negotiate multiple rates or juggle multiple account statements. 

Pick your terms

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.* 

Make your deposit

Simply sign a CDARS Deposit Placement Agreement, make your deposit and the rest is up to us. We break up your large deposit into amounts under $250,000, and place these amounts at other CDARS Network participating banks. As a result, your entire deposit is eligible for FDIC insurance. Better yet, you receive the convenience of working directly with just one bank and accessing insurance from many. 

Easy-to-read statement

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. 

What else you should know

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.
* When deposited funds are exchanged on a dollar-for-dollar basis with other banks in the CDARS Network, we can use the full amount of a deposit placed through CDARS for local lending, satisfying some depositors' local investment goals or mandates. Alternatively, with a depositor's consent, our bank may choose to receive fee income instead of deposits from other banks. Under these circumstances, deposited funds would not be available for local lending. 

If a depositor is subject to restrictions with respect to the placement of funds in a depository institution, 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. 

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 of Promontory Interfinancial Network, LLC.