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Build business with a loan as low as 3.00% variable APR
Now, the bigger the balance in your Umpqua business checking account, the more you’ll save with a lower rate on your business line of credit. Learn more about our
business loans & lines
or
drop us an email
to apply now.
details
3.00 % variable Annual Percentage Rate (APR) available for lines of credit from $5,000 to $100,000, based on The Wall Street Journal Prime Rate as of 12/16/08 (currently 3.25%), with an Umpqua Business Checking account balance maintained at $50,000 or greater with auto pay. The Line of Credit Approved Rate is a variable APR and ranges from Prime +1.00% to Prime +3.00% depending on credit score. APR will never exceed 18.00% or fall below 3.00%.The Business Direct Loan Approved Rate is a fixed rate ranging from 6.00% to 8.00% (APR range from 6.41% to 8.42%) based on credit score. All rates include a 0.50% discount for auto-pay from an Umpqua Business Checking account. The Umpqua Business Checking account balance is the average monthly ledger balance in a single non-interest bearing Umpqua Business Checking account and must be maintained to receive a Relationship Rate. Analyzed checking accounts do not qualify. The interest rate on the line of credit or loan shall be adjusted monthly to the Relationship Rate based upon the Umpqua Business Checking account average ledger balance for the preceding month. Existing line of credit customers with the most recent prior month Umpqua Business Checking account balance of $25,000 are qualified to participate in this program. Origination fee: 1.00% of loan amount or $150, whichever is greater. Third party settlement fees ranging from $50 to $5,000 may be assessed based on type of collateral and amount of the approved credit line. Line of Credit annual fee: $150, waived first year. Promotional rates are subject to credit approval and may be changed or discontinued at bank’s discretion. Hazard insurance and flood insurance (if collateral is in a designated flood hazard area) are required for credit secured by improved real property.
Get up to 0.50% rate discount on your unsecured personal loan or a car, RV or boat loan
Apply for a
personal loan
,
auto
,
RV
or
boat
loan with automatic payment from an Umpqua checking or savings account to receive the 0.50% interest rate discount. (Apply for an
Executiveline
,
home equity loan
or
line
or a
vacation home loan
or
line
to receive a 0.25% interest rate discount.)
Get up to 0.25% rate discount on your Executiveline or home equity loan or line.
Apply for an
Executiveline
,
home equity loan
or
line
or a
vacation home loan
or
line
to receive a 0.25% interest rate discount. (Apply for a
personal loan
,
auto
,
RV
or
boat
loan with automatic payment from an Umpqua checking or savings account to receive the 0.50% interest rate discount.)
No annual fee Visa® credit cards!
Many of our Umpqua Visa Credit Cards, both for personal and business, come with no annual fee and a variety of perks. Learn more or apply now for
business credit cards
or
personal credit cards
.
Enjoy no closing costs on your home or vacation home equity loans or line
Apply for a home or vacation home equity loan or line and we’ll cover your closing costs. Better yet, you’ll also enjoy a 0.25% rate discount when you connect your loan or line to automatic payment from your Umpqua checking or savings account.
Enjoy your first order of checks for free
Open any Umpqua checking account (business or personal!) and you’ll receive your first order of checks for free. Better yet, you can even personalize them with cool gear and images to match your mood, style, perspective on life.
details
Free personal checks limited to the logo style only. Business checks receive a $75.00 credit towards check purchase, which covers the Business Value Package.
Take an easy read through your free combined statement
If you have more than one account with us, one of which is a personal checking account, we can hook you up with a combined statement, for free. We’ll put your personal
checking
,
savings
,
CD
,
HSA
and
money market
, all on one statement so you save paper, envelopes and peace of mind.
Free traveler's checks & cashier’s checks
Open a cruise
or
cruise interest
checking account and we’ll set you up with the good stuff. Like Free Traveler's Checks & Cashier’s checks, free Notary Services…even a $20 credit toward your 1st year's safe deposit rent (where available).
Free investment consultation*
Open a cruise
or
cruise interest
checking account and you’ll receive a free investment consultation from our partners at
Umpqua Investments
.
* Umpqua Investments, Inc. is a subsidiary of Umpqua Holdings Corporation. Umpqua Investments is not a bank. Securities offered by Umpqua Investments are not insured by the FDIC or any other federal agency. Umpqua Investments are not a bank deposit or bank obligation and are not backed or guaranteed by any bank. All securities involve investment risk, including loss of principal. Member FINRA/SIPC.
Get up to $25 off 1st year safe deposit box
Open a
Benefit Banking Interest Checking
account and we’ll give you reduced rent on your save deposit box--$25 off the first year! If you open a cruise or cruise interest checking account, we’ll give you $20 off the first year. (Discount only available where boxes available.)
Enjoy a 0.25% higher interest rate on your CDs
Open a
Benefit Banking Interest Checking
account and we’ll give you a 0.25% interest rate bonus on Certificates of Deposit. Not bad, eh?
Personalize your checking account
Personalize your checkbook and checks with cool gear and imagery to match your mood, style, perspective on life.
Click here
to browse!
We're looking forward to hearing from you!
(Please DO NOT send personal information like your account,
credit card or social security numbers in email.)
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We're looking forward to hearing from you!
(Please DO NOT send personal information like your account,
credit card or social security numbers in email.)
Name *
Required
Phone *
Required
Address
Zip
Your Email *
Required
Invalid email address
Subject *
Required
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Required
We're looking forward to hearing from you!
(Please DO NOT send personal information like your account,
credit card or social security numbers in email.)
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Required
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Required
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