Umpqua Bank

Secured Card

Use this card as a solid foundation to build your credit.1

Apply Now for Umpqua Bank Secured Credit Card
Build your credit.

Strengthen your finances

Use this card as a solid foundation to build your credit.1

Apply Now for Umpqua Bank Secured Credit Card

Free Credit Score2 access

Watch your credit build or rebuild over time.1

Automatic Bill Pay

Schedule regular payments with this convenient feature.

Zero Fraud Liability3

You are protected against fraudulent purchases when your card is lost or stolen.

Build solid credit habits with these added features.

Online Access

Control your accounts with our mobile app and online portals.

A credit line you set4

When you start this account, you also open a savings account that is pledged as a security for your credit card account. A minimum refundable security deposit of $300 ($5,000 maximum) is required to open this account.

Account Alerts

Notifications will help you keep an eye on your accounts.

Annual Fee

None Umpqua Bank Secured Card Terms & Conditions

APR for Purchases and Balance Transfers:

Secured: 29.24% This APR will vary with the market and is based on the Prime Rate. Umpqua Bank Secured Card Terms & Conditions

Elan Financial Services may change APRs, fees and other Account terms in the future based on your experience with it and its affiliates as provided under the Cardmember Agreement and applicable law.


Subject to credit approval.

  • 1. Late Payments or going over the credit limit may damage your credit history.
  • 2. Free credit score access is available through online account access only. The free VantageScore® Credit Score is for educational purposes only and is not used by Elan Financial Services to make credit decisions.
  • 3. Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
  • 4. Your credit limit will be equal to the amount of your security deposit.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporate.


Cardmember Agreements

Privacy and Security