{"id":154,"date":"2017-09-28T23:15:01","date_gmt":"2017-09-28T23:15:01","guid":{"rendered":"https:\/\/www.twinriver.bank\/?page_id=154"},"modified":"2026-04-28T11:42:23","modified_gmt":"2026-04-28T18:42:23","slug":"savings-time-deposits","status":"publish","type":"page","link":"https:\/\/www.twinriver.bank\/?page_id=154","title":{"rendered":"PERSONAL TIME DEPOSITS"},"content":{"rendered":"\n<style>\n  .trb-ptd { font-family: inherit; }\n  .trb-ptd .wrap { max-width: 1100px; margin: 0 auto; padding: 0 20px; }\n\n  \/* HERO *\/\n  .trb-ptd .hero{\n    position: relative;\n    padding: 86px 0 72px;\n    text-align: center;\n    overflow: hidden;\n    background:\n      radial-gradient(1200px 420px at 50% 0%, rgba(0,75,135,.20), rgba(0,75,135,0) 60%),\n      linear-gradient(180deg, #f3f7fb 0%, #e9eff6 100%);\n  }\n  .trb-ptd .hero:before{\n    content:\"\";\n    position:absolute;\n    inset:0;\n    background-image: radial-gradient(rgba(11,36,64,.07) 1px, transparent 1px);\n    background-size: 18px 18px;\n    opacity: .35;\n    pointer-events:none;\n  }\n  .trb-ptd .hero-inner{ position: relative; z-index: 1; }\n  .trb-ptd .badge{\n    display:inline-block;\n    padding:8px 12px;\n    border-radius:999px;\n    background:rgba(255,255,255,.75);\n    border:1px solid rgba(11,36,64,.12);\n    font-weight:800;\n    font-size:14px;\n    margin-bottom:14px;\n    color:#0b2440;\n  }\n  .trb-ptd .hero h1{\n    font-size: 40px;\n    line-height: 1.15;\n    margin: 0 0 14px;\n    color:#0b2440;\n    letter-spacing:.2px;\n  }\n  .trb-ptd .hero p{\n    max-width: 980px;\n    margin: 0 auto;\n    color:#2f3640;\n    font-size: 18px;\n    line-height: 1.65;\n  }\n\n  \/* SECTIONS *\/\n  .trb-ptd .section{ padding: 74px 0; }\n  .trb-ptd .section.alt{ background: linear-gradient(180deg, #f7f9fb 0%, #f2f6fb 100%); }\n\n  \/* HEADINGS *\/\n  .trb-ptd h2{\n    font-size:28px;\n    margin:0 0 34px;\n    color:#0b2440;\n    text-align:center;\n  }\n  .trb-ptd h3{\n    font-size:18px;\n    margin:0 0 10px;\n    color:#0b2440;\n  }\n  .trb-ptd p{\n    margin:0 0 14px;\n    color:#2f3640;\n    line-height:1.65;\n  }\n  .trb-ptd .center{ text-align:center; }\n\n  \/* CARDS *\/\n  .trb-ptd .card{\n    max-width: 980px;\n    margin: 0 auto;\n    background:#fff;\n    border: 1px solid rgba(0,0,0,.08);\n    border-radius: 18px;\n    padding: 26px;\n    box-shadow: 0 10px 22px rgba(0,0,0,.06);\n    position: relative;\n  }\n  .trb-ptd .card:before{\n    content:\"\";\n    position:absolute;\n    left:18px; right:18px; top:0;\n    height:4px;\n    border-radius:0 0 999px 999px;\n    background: linear-gradient(90deg,#004b87,#2a7cc5);\n    opacity:.95;\n  }\n  .trb-ptd ul{ margin:0; padding-left:18px; }\n  .trb-ptd li{ margin:8px 0; line-height:1.55; color:#2f3640; }\n\n  \/* TABLE *\/\n  .trb-ptd .table-wrap{\n    max-width: 980px;\n    margin: 0 auto;\n    background:#fff;\n    border: 1px solid rgba(0,0,0,.08);\n    border-radius: 18px;\n    overflow:hidden;\n    box-shadow: 0 10px 22px rgba(0,0,0,.06);\n  }\n  .trb-ptd table{ width:100%; border-collapse:collapse; }\n  .trb-ptd th, .trb-ptd td{ padding:14px 16px; vertical-align: top; }\n  .trb-ptd thead th{\n    background: #0b2440;\n    color:#fff;\n    font-weight:900;\n    text-align:left;\n  }\n  .trb-ptd tbody tr:nth-child(even){ background:#f2f6fb; }\n  .trb-ptd td:nth-child(2),\n  .trb-ptd td:nth-child(3),\n  .trb-ptd td:nth-child(4),\n  .trb-ptd th:nth-child(2),\n  .trb-ptd th:nth-child(3),\n  .trb-ptd th:nth-child(4){ text-align:center; white-space:nowrap; }\n\n  \/* BRANCHES *\/\n  .trb-ptd .branches{\n    max-width:980px;\n    margin:0 auto;\n    background: linear-gradient(180deg, #eef2f8 0%, #e7edf6 100%);\n    border: 1px solid rgba(0,0,0,.08);\n    border-radius:18px;\n    padding:22px 24px;\n    box-shadow: 0 12px 26px rgba(0,0,0,.08);\n    font-size:17px;\n    line-height:1.85;\n    color:#2f3640;\n  }\n  .trb-ptd .branches a{\n    color:#004b87;\n    font-weight:900;\n    text-decoration:none;\n  }\n  .trb-ptd .branches a:hover{ text-decoration: underline; }\n\n  @media (max-width: 900px){\n    .trb-ptd .hero h1{ font-size:32px; }\n  }\n<\/style>\n\n<div class=\"trb-ptd\">\n\n  <!-- HERO -->\n  <section class=\"hero\">\n    <div class=\"wrap hero-inner\">\n      <div class=\"badge\">Personal<\/div>\n      <h1>PERSONAL TIME DEPOSITS<\/h1>\n      <p>Our time deposits have a guaranteed return and are a safe place to keep your money for a set period of time. Balances in these deposits are eligible for FDIC coverage.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- FIXED RATE TIME DEPOSIT -->\n  <section class=\"section\">\n    <div class=\"wrap\">\n      <h2>Fixed Rate Time Deposit<\/h2>\n\n      <div class=\"card\">\n        <p>A fixed rate deposit account with an automatic renewable feature.<\/p>\n        <ul>\n          <li>Minimum opening balance of $500<\/li>\n          <li>Pick the term that works best for you<\/li>\n          <li>Rates are fixed for the entire term, so your money is insulated<\/li>\n          <li>Penalty for Early Withdrawal applies<\/li>\n          <li>Also available as a Retirement account.<\/li>\n        <\/ul>\n      <\/div>\n\n      <div class=\"card\" style=\"margin-top:24px;\">\n        <p>\n          Interest rates and yields are subject to change daily.&nbsp; If an account is closed before interest is credited, accrued interest will not be paid.&nbsp; Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items.&nbsp; We use the average daily balance method to calculate interest on your account.&nbsp; This method applies a periodic rate to the average balance in the account for the period.&nbsp; The Average Balance to Obtain the Annual Percentage Yields is $500.\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- RATES -->\n  <section class=\"section alt\">\n    <div class=\"wrap\">\n      <h2>Deposit Rates \/ Yields<\/h2>\n      <p class=\"center\">Rates effective as of 04\/28\/2026<\/p>\n\n      <div class=\"table-wrap\">\n        <table>\n          <thead>\n            <tr>\n              <th>Account Type<\/th>\n              <th>Compound Frequency<\/th>\n              <th>Interest Rate<\/th>\n              <th>Annual Percentage Yield (APY)<\/th>\n            <\/tr>\n          <\/thead>\n          <tbody>\n            <tr><td>1 Month<\/td><td>Maturity<\/td><td>1.00%<\/td><td>1.00%<\/td><\/tr>\n            <tr><td>3 Months<\/td><td>Quarterly<\/td><td>2.00%<\/td><td>2.02%<\/td><\/tr>\n            <tr><td>6 Months<\/td><td>Quarterly<\/td><td>3.35%<\/td><td>3.39%<\/td><\/tr>\n            <tr><td>12 Months<\/td><td>Quarterly<\/td><td>3.40%<\/td><td>3.44%<\/td><\/tr>\n            <tr><td>18 Months<\/td><td>Quarterly<\/td><td>3.50%<\/td><td>3.55%<\/td><\/tr>\n            <tr><td>24 Months<\/td><td>Quarterly<\/td><td>3.60%<\/td><td>3.65%<\/td><\/tr>\n            <tr><td>36 Months<\/td><td>Quarterly<\/td><td>3.75%<\/td><td>3.80%<\/td><\/tr>\n            <tr><td>48 Months<\/td><td>Quarterly<\/td><td>3.75%<\/td><td>3.80%<\/td><\/tr>\n            <tr><td>60 Months<\/td><td>Quarterly<\/td><td>3.25%<\/td><td>3.29%<\/td><\/tr>\n          <\/tbody>\n        <\/table>\n      <\/div>\n\n      <div class=\"card\" style=\"max-width:980px; margin:24px auto 0;\">\n        <h3>EARLY WITHDRAWAL PENALTIES:<\/h3>\n        <p>The bank may impose a penalty if you withdraw any of the principal and\/or credited interest before the maturity date based on the term of your time deposit.&nbsp; The following penalties may apply:&nbsp; Term:Penalty:<\/p>\n        <ul>\n          <li>1 month to 1 year (not including one year): 3 months interest<\/li>\n          <li>1 year or greater: 6 months interest<\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- BRANCHES -->\n  <section class=\"section\">\n    <div class=\"wrap\">\n      <h2>TWIN RIVER BANK BRANCHES<\/h2>\n\n      <div class=\"branches\">\n        <div><a href=\"https:\/\/www.google.com\/maps\/search\/?api=1&#038;query=1507%20G%20St%2C%20Lewiston%2C%20ID%2083501\">1507 G St, Lewiston, ID 83501<\/a> \u2014 <a href=\"tel:12087464848\">(208) 746-4848<\/a><\/div>\n        <div><a href=\"https:\/\/www.google.com\/maps\/search\/?api=1&#038;query=3330%2010th%20St%2C%20Lewiston%2C%20ID%2083501\">3330 10th St, Lewiston, ID 83501<\/a> \u2014 <a href=\"tel:12087434848\">(208) 743-4848<\/a><\/div>\n        <div><a href=\"https:\/\/www.google.com\/maps\/search\/?api=1&#038;query=900%205th%20St%2C%20Clarkston%2C%20WA%2099403\">900 5th St, Clarkston, WA 99403<\/a> \u2014 <a href=\"tel:15097584848\">(509) 758-4848<\/a><\/div>\n        <div><a href=\"https:\/\/www.google.com\/maps\/search\/?api=1&#038;query=201%202nd%20St%2C%20Asotin%2C%20WA%2099402\">201 2nd St, Asotin, WA 99402<\/a> \u2014 <a href=\"tel:15092438848\">(509) 243-8848<\/a><\/div>\n\n        <div style=\"margin-top:12px;\">\n          ATMs, Night Deposit Drops, Online Banking, Bill Payment, Remote Check Deposit, VISA ATM \/ Check Card email\n          <a href=\"mailto:info@twinriver.bank\">info@twinriver.bank<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Personal PERSONAL TIME DEPOSITS Our time deposits have a guaranteed return and are a safe place to keep your money for a [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/page_fullwidth.php","meta":{"footnotes":""},"class_list":["post-154","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/154","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=154"}],"version-history":[{"count":221,"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/154\/revisions"}],"predecessor-version":[{"id":3854,"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/154\/revisions\/3854"}],"wp:attachment":[{"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=154"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}