Twin River National Bank - Deposit Interest Rates

deposit rates/Yields Some banks run rate specials occasionally and then at maturity they renew your time deposit to their normal rates. We are proud to offer a competitive rate every day of the year and our deposits have FDIC insurance. Quit worrying about losing principal in your investments and put your money in an FDIC insured time deposit!

Account Type	Minimum Deposit To Open Account	Average Balance to Obtain Annual Percentage Yield	Compound Frequency	Interest Rate	Annual Percentage Yield (APY)
Checking NOW	$100.00	$500.00 $2,500.00	Monthly Monthly	0.15% 0.20%	0.15% 0.20%
Savings Statement Money Market Tiered Rates	$50.00 $2,500.00 $2,500.00 $10,000.00 $25,000.00 $100,000.00 $250,000.00	$50.00 $9,999.99 $24,999.99 $99,999.99 $249,999.99 Above	Quarterly Monthly Monthly Monthly Monthly Monthly	0.30% 0.30% 0.40% 0.45% 0.50% 0.55%	0.30% 0.30% 0.40% 0.45% 0.50% 0.55%
Time Deposit 1 Month 3 Months 6 Months 12 Months 18 Months 2 Years 3 Years 4 Years 5 Years	$500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00	$500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00	Maturity Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly	0.25% 0.30% 0.50% 0.70% 0.80% 0.95% 1.29% 1.54% 1.79%	0.25% 0.30% 0.50% 0.70% 0.80% 0.95% 1.30% 1.55% 1.80%
RATE INFORMATION: Annual Percentage Yields (APY) and interest rates are subject to change daily as determined by Twin River National Bank management. This rate sheet is effective September 30, 2011. Fees could reduce earnings on the account.
RETIREMENT ACCOUNTS (IRA & SEP): All of the above accounts can be used for IRA and SEP investments. Please refer to Truth In Savings Disclosure for additional information regarding our interest bearing accounts. We do not charge an annual fee for IRAs or SEPs.

EARLY WITHDRAWAL PENALTIES: 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:
Term:	Penalty:
1 month to 1 year	3 months interest
1 year or greater	6 months interest
	CLICK HERE FOR MORE INFORMATION ABOUT FDIC INSURANCE COVERAGE Click here to use the FDIC Insurance Calculator
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS. All funds in a noninterest-bearing transaction account are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term noninterest-bearing transaction account includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (IOLTAs). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov