Round-Up for Rowdy | Timberline Bank

When you enroll in Timberline Bank’s Round Up For Rowdy program, each debit card purchase is rounded up to the nearest dollar. Those small amounts add up throughout the year, with proceeds donated to support the Rowdy Mascot Program, which provides scholarships for CMU students who bring Rowdy to life.

Disclosure: Estimated annual donation is based on average debit card usage and assumes multiple transactions per week with round-ups of less than $1 per transaction. Actual donations may be more or less depending on individual spending patterns.

Support CMU with Small Change

See your round-ups in Online or Mobile Banking

Round-ups happen automatically with every debit transaction

Is there a cost to join the Round-Up for Rowdy program?

No, enrollment is completely free for Timberline Bank customers.

Can I track my round-ups?

Yes, you can view all round-up transfers in your Online or Mobile Banking and on your monthly statement.

Where does the money go?

All round-up donations go directly to the Rowdy Mascot Program, supporting scholarships for CMU students who bring Rowdy to life.

Do I need a Timberline Bank checking account to participate?

Yes, the Round-Up for Rowdy program is available exclusively to Timberline Bank checking account holders with a debit card, and it’s free to open an account if you don’t already have one.

Are donations tax deductible?

Donations may be eligible for tax deduction. Please consult your tax advisor.

Health Savings Account (HSA)

Invest in your health and future with Timberline’s HSA Solution.

Tax advantage account exclusively for paying qualified medical expenses
- Doctor visits
- Prescription medication
- Surgeries, operations, and more
No “Use It or Lose It” rule. Unused funds remain in the account year after year
Contributions can be made by you, your employer, or a third party
Contribution Plans:
- Individual Coverage Plan
- Family Coverage Plan
- Catch-Up Contribution (age 55 or older)
Your HSA follows you regardless of career, location, or life changes
Access funds easily with an HSA Visa^® debit card or checks

For more information on contribution amounts, visit www.irs.gov or the HSA Service Center.

Minor Savings Account (MSA)

A minor savings account is a bank account opened for a child or teenager, usually with a parent or guardian as a joint owner, designed to help them learn about saving money and build positive financial habits.

Certificate of Deposit (CD)

A Certificate of Deposit (CD) is a type of savings account that holds a fixed amount of money for a fixed period of time (the term), offering a higher interest rate than regular savings accounts in exchange for less access to your funds until maturity.

Choose your terms (30 days – 60 months)
Requires $1,000 deposit to open
Early withdrawal penalty may apply:

CD Term	Penalty
30 Days - 6 Months	All interest on the amount withdrawn
12 Months	180 days interest on the amount withdrawn
24 - 36 Months	365 days interest on the amount withdrawn
48 - 60 Months	730 days interest on the amount withdrawn

Individual Retirement Account (IRA)

Traditional IRA

Traditional IRA
What’s the difference?	Contributions are tax-deductible, and earnings are taxed upon withdrawal. Withdrawals are penalty free beginning at age 59 1/2. Distributions are required to start at age 73.
Terms	12 Months 24 Months 48 Months
Benefits	Earned interest is tax-deferred. Contributions may qualify for a tax credit.
Contribution	Eligible to contribute if you earn compensation.

Roth IRA

Product	Roth IRA
What’s the difference?	Contributions are not tax-deductible, but qualified earnings are tax free upon withdrawal. Contributory withdrawals can be made at any time without incurring IRS taxes or penalties. Earnings withdrawals are also tax and penalty-free, provided certain conditions are met, such as reaching the age of 59 1/2 and fulfilling a 5-year holding period. Not required to take distributions.
Terms	No term or maturity date
Benefits	Qualified earned interest is tax free. Contributions may qualify for a tax credit.
Contribution	Eligible to contribute if you earn compensation.

Health Savings Account (HSA)

Invest in your health and future with Timberline’s HSA Solution.

Tax advantage account exclusively for paying qualified medical expenses
- Doctor visits
- Prescription medication
- Surgeries, operations, and more
No “Use It or Lose It” rule. Unused funds remain in the account year after year
Contributions can be made by you, your employer, or a third party
Contribution Plans:
- Individual Coverage Plan
- Family Coverage Plan
- Catch-Up Contribution (age 55 or older)
Your HSA follows you regardless of career, location, or life changes
Access funds easily with an HSA Visa^® debit card or checks

For more information on contribution amounts, visit www.irs.gov or the HSA Service Center.

Minor Savings Account (MSA)

Certificate of Deposit (CD)

Choose your terms (30 days – 60 months)
Requires $1,000 deposit to open
Early withdrawal penalty may apply:

CD Term	Penalty
30 Days - 6 Months	All interest on the amount withdrawn
12 Months	180 days interest on the amount withdrawn
24 - 36 Months	365 days interest on the amount withdrawn
48 - 60 Months	730 days interest on the amount withdrawn

Individual Retirement Account (IRA)

An IRA, or Individual Retirement Account, is a tax-advantaged savings account designed to help individuals save for retirement.

Traditional & Roth IRAs

Product	Traditional IRA	Roth IRA
What’s the difference?	Contributions are tax-deductible, and earnings are taxed upon withdrawal. Withdrawals are penalty free beginning at age 59 1/2. Distributions are required to start at age 73.	Contributions are not tax-deductible, but qualified earnings are tax free upon withdrawal. Contributory withdrawals can be made at any time without incurring IRS taxes or penalties. Earnings withdrawals are also tax and penalty-free, provided certain conditions are met, such as reaching the age of 59 1/2 and fulfilling a 5-year holding period. Not required to take distributions.
Terms	12 Months 24 Months 48 Months	No term or maturity date
Benefits	Earned interest is tax-deferred. Contributions may qualify for a tax credit.	Qualified earned interest is tax free. Contributions may qualify for a tax credit.
Contribution	Eligible to contribute if you earn compensation.	Eligible to contribute if you earn compensation.

Round Up for Rowdy

Support the Rowdy Mascot Program

Support the Students Behind Rowdy, Today

In Support of Round-Up for Rowdy

Round Up For Rowdy FAQ

Additional Personal Accounts

Health Savings Account (HSA)

Minor Savings Account (MSA)

Certificate of Deposit (CD)