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CDs & IRAs Built Around You

Whether you're planning for retirement, a future purchase, or simply looking for a more secure place to grow your money, Timberline Bank offers Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) designed around your goals—and supported by a team that truly knows your name. We don’t just open accounts. We open conversations about your future.

Your CD and IRA Options

At Timberline Bank, CDs and IRAs aren’t just savings tools, they’re part of a long-term plan built around your life. That’s why we start with the conversation, not a rate sheet.  

Certificates of Deposit (CDs)

A CD at Timberline Bank is a low-risk, interest-bearing savings option with a fixed interest rate for the selected term. It’s a great option for customers looking to plan ahead without market volatility.  

  • Minimum opening deposit: $1,000*
  • Terms from 30 days up to 5 years 
  • Great for milestone planning or predictable savings  
  • Funds must be deposited at account opening to lock in your rate and maturity date 
  • All CD accounts at Timberline Bank are FDIC insured up to the applicable limits. 

Let’s talk about what you’re planning for—so we can recommend the CD that fits best.

*Disclosure:  A daily balance of $1,000 is required to earn interest.

Looking to protect more than $250,000 in CDs? With CDARS® (Certificate of Deposit Account Registry Service), you can access multi-million-dollar FDIC insurance coverage—all through Timberline Bank.

Individual Retirement Accounts (IRAs)

IRAs are tax-advantaged savings accounts that help you save for retirement with confidence. Timberline offers both Traditional IRAs and Roth IRAs based on your income, tax strategy, and savings timeline. 

  • Available to anyone with earned income 
  • Funds are held in interest-bearing savings accounts, not tied to market investments 
  • We make IRA transfers and rollovers from other institutions simple  
  • All IRAs must be opened and held individually (not available for minors) 
  • All IRA deposit accounts at Timberline Bank are FDIC insured up to the applicable limits. 

Not sure which IRA is right for you? We’ll help you understand your options and guide you to the right fit—with support from our Private Bank team, if needed. 

Why Timberline Bank?

Community Focus
When you bank with us, you are giving back to your local community. When you work with Timberline, you work with your neighbors – not call centers.
Seamless Transfers
We make it easy to stay local. Already saving somewhere else? We’ll work directly with the bank to transfer your accounts.
Personalized Planning
We don’t expect you to walk in asking for a CD or IRA. We start with a conversation and help you determine what’s best for your future.

Common Questions about CDs & IRAs

What’s the minimum to open a CD at Timberline?

All CDs require a minimum opening deposit of $1,000, and those funds must be deposited on the day the account is opened to lock in your term and maturity. 

How do I choose the right CD term?

That’s where our team comes in. We’ll talk through your financial goals, timeline, and cashflow to recommend the best term—from 30 days to 5 years.

 

What’s the difference between a Traditional and Roth IRA?

A Traditional IRA may offer tax-deductible growth and deductible contributions. Roth IRAs use after-tax contributions but allow for tax-free withdrawals later. We'll guide you–or collaborate with your CPA–to help you make the right choice.

 

Can I open an IRA for my child?
Not at this time. IRAs must be in the name of an individual with earned income.
Will my IRA be invested in the market?
No. Timberline IRAs are held in FDIC-insured, interest-bearing deposit accounts and are not invested in securities or the stock market. That means a stable, low-risk option for your retirement savings.
Can I transfer an existing IRA or CD to Timberline?

Yes! We’ll help you transfer or roll over funds from another institution, and make the process as smooth as possible.

WE'RE HERE FOR YOU

Let’s Talk About Your Financial Future

Saving for the future shouldn’t feel overwhelming. Whether you're planning for retirement or looking to grow your savings in a safe, stable way, Timberline is here to help—with the tools, expertise, and human connection you deserve.