Personal Savings Accounts
Earn More With Your Money
Earn 3.50%* APY on a 13-month CD or 2.55%** APY in a Money Market Account.
Learn more
Choose one of three easy options, and open a savings account online.
- Earns interest
- Easy online banking
- Umpqua ATM Card
- Tie to checking account for overdraft transfers
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Grow Savings
$3
Monthly pricing; or
$0
with a $200 minimum daily balance; or primary signer is 0-18 or 55+; or when you complete a monthly transfer from an Umpqua personal deposit account
-
Thrive Money Market
$10
Monthly pricing; or
$0
with a $1,000 minimum daily balance
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Prosper Money Market
$15
Monthly pricing; or
$0
with a $10,000 minimum daily balance; or $25,000 combined balance
Grow Savings | Thrive Money Market | Prosper Money Market | |
---|---|---|---|
Earns Interest |
Yes |
Yes |
Yes |
ATM Card |
Yes |
Yes |
Yes |
Check Deposit |
Unlimited complimentary deposit |
First 50 checks per month complimentary; $0.25 per check after that |
First 50 checks per month complimentary; $0.25 per check after that |
Minimum to Open |
$25 |
$100 |
$100 |
Monthly Pricing |
$3 per month |
$10 per month |
$15 per month |
Monthly Pricing Options |
$0 with $200 or more daily balance; or primary signer is 18 and younger or 55 and older; or when you complete a monthly transfer from an Umpqua personal deposit account to your Grow Savings account |
$0 with $1,000 minimum daily balance |
$0 with $10,000 minimum daily or $25,000 combined balance |
With Access Checking |
Receive up to 3 complimentary Grow Savings or Thrive Money Market accounts when linked to Access Checking. |
Receive up to 3 complimentary Grow Savings or Thrive Money Market accounts when linked to Access Checking. |
|
With Attain Checking |
Receive up to 5 complimentary Grow Savings or Thrive Money Market accounts when linked to Attain Checking. |
Receive up to 5 complimentary Grow Savings or Thrive Money Market accounts when linked to Attain Checking. |
|
Account Details |
Due to our recent merger with Columbia Bank, some of the products offered at Umpqua differ from what is available at Columbia Bank locations. Find out more.
Get Today’s Rates
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Use a certificate of deposit as a low-risk savings solution with a fixed interest rate. No monthly service charge, and only $1,000 to open.

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Mobile check deposits from anywhere
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Instant internal transfers to move money when you're on the move
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Custom alerts to keep you in the know
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Secure touch login for when you can’t remember that pesky password

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- Up to three complimentary Grow Savings or Thrive Money Market accounts when linked to Access Checking
- Up to five complimentary Grow Savings or Thrive Money Market accounts when linked to Attain Checking

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Enrolled in a qualified high-deductible health plan? A Health Savings Account (HSA) is a great way to save for medical expenses.

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Make annual contributions and enjoy significant tax benefits to help pay for anything from elementary school to college.
