{"id":774,"date":"2018-02-05T04:36:05","date_gmt":"2018-02-05T04:36:05","guid":{"rendered":"https:\/\/www.twinriver.bank\/?page_id=774"},"modified":"2026-04-14T14:22:22","modified_gmt":"2026-04-14T21:22:22","slug":"business-time-deposits","status":"publish","type":"page","link":"https:\/\/www.twinriver.bank\/?page_id=774","title":{"rendered":"BUSINESS TIME DEPOSITS"},"content":{"rendered":"\n<style>\n  .trb-btd { font-family: inherit; }\n  .trb-btd .wrap { max-width: 1100px; margin: 0 auto; padding: 0 20px; }\n\n  \/* HERO *\/\n  .trb-btd .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-btd .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-btd .hero-inner{ position: relative; z-index: 1; }\n  .trb-btd .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-btd .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-btd .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-btd .section{ padding: 74px 0; }\n  .trb-btd .section.alt{ background: linear-gradient(180deg, #f7f9fb 0%, #f2f6fb 100%); }\n\n  \/* HEADINGS *\/\n  .trb-btd h2{\n    font-size:28px;\n    margin:0 0 34px;\n    color:#0b2440;\n    text-align:center;\n  }\n  .trb-btd h3{\n    font-size:18px;\n    margin:0 0 10px;\n    color:#0b2440;\n  }\n  .trb-btd p{ margin:0 0 14px; color:#2f3640; line-height:1.65; }\n  .trb-btd .center { text-align:center; }\n\n  \/* GRID \/ CARDS *\/\n  .trb-btd .grid{\n    display:grid;\n    grid-template-columns: repeat(12, 1fr);\n    gap: 24px;\n  }\n  .trb-btd .card{\n    grid-column: span 12;\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-btd .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-btd ul{ margin:0; padding-left:18px; }\n  .trb-btd li{ margin:8px 0; line-height:1.55; color:#2f3640; }\n\n  \/* TABLE *\/\n  .trb-btd .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-btd table{ width:100%; border-collapse:collapse; }\n  .trb-btd th, .trb-btd td{ padding:14px 16px; vertical-align: top; }\n  .trb-btd thead th{\n    background: #0b2440;\n    color:#fff;\n    font-weight:900;\n    text-align:left;\n  }\n  .trb-btd tbody tr:nth-child(even){ background:#f2f6fb; }\n  .trb-btd td:nth-child(2),\n  .trb-btd td:nth-child(3),\n  .trb-btd td:nth-child(4){ text-align:center; }\n\n  \/* BRANCHES *\/\n  .trb-btd .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-btd .branches a{\n    color:#004b87;\n    font-weight:900;\n    text-decoration:none;\n  }\n  .trb-btd .branches a:hover{ text-decoration: underline; }\n\n  @media (max-width: 900px){\n    .trb-btd .hero h1{ font-size:32px; }\n  }\n<\/style>\n\n<div class=\"trb-btd\">\n\n  <!-- HERO -->\n  <section class=\"hero\">\n    <div class=\"wrap hero-inner\">\n      <div class=\"badge\">Business<\/div>\n      <h1>Business 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. If an account is closed before interest is credited, accrued interest will not be paid.\n          Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. We use the average daily balance method to calculate interest on your account.\n          This method applies a periodic rate to the average balance in the account for the period. The Average Balance to Obtain Annual Percentage Yield 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\/14\/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. The following penalties may apply:<\/p>\n        <ul>\n          <li>1 month to 1 year (not including one year) &#8211; 3 months interest<\/li>\n          <li>1 year or greater &#8211; 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>Business Business 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-774","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/774","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=774"}],"version-history":[{"count":213,"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/774\/revisions"}],"predecessor-version":[{"id":3821,"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/774\/revisions\/3821"}],"wp:attachment":[{"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=774"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}