HOME

Internet Banking Info

ATM / Check Card

Business Products

Personal Products

Deposit Rates

Locations / Staff

Directors / Stock

History / Mission

Web Links

Savings & Time Deposit Accounts   We are proud to offer a competitive rate every day of the year and our deposits are insured by the FDIC.   Earn a competitive interest rate in one of our traditional savings products!  Balances in these deposit accounts are eligible for FDIC coverage.

 COMBINED SAVINGS   Add this account to your checking statement for an easy way to save.
*  Minimum opening balance of $50
*  No monthly service charge when you combine with a Twin river Bank checking account statement.
*  $1.00 per withdrawal over 9 per calendar quarter.

^In the event that you close your Tw in River Bank checking account, your Combined Savings account w ill be converted to a Statement Savings account and subject to $6 monthly service fee.
STATEMENT SAVINGS   The classic account for building savings.
*  Minimum opening balance of $50
*  $6 monthly service fee
         >  Waived if quarterly average daily balance is above $100
*  $1.00 per withdrawal over 9 per calendar quarter.

(Service charge waived for kids < 18 years old)
MONEY MARKET SAVINGS     Earn a competitive interest rate without the worry of high-risk market investments! Balances in these deposit accounts are eligible for FDIC coverage.
*  Minimum opening balance of $100
*  Tiered interest rates
*  $6 monthly service fee
*  Monthly service fee waived with one of the following:
        >  Average daily balance of $2,500 or more,
        >  or eStatements.
Average Balance to Earn Interest Tiered Rates:
            $2,500 -     $9,999
          $10,000 -   $24,999
          $25,000 - $249,999
        $250,000   and above
Calculated on the average daily balance.  Interest is compounded and credited quarterly.
Withdrawal Limits: Please be aware that Federal regulations place limits on certain Savings and Money Market account transactions. You may make six (6) transfers from your account each monthly statement cycle, if by preauthorized or automatic transfer, or telephone (including data transmissions) agreement, order or instruction or by check draft, debit card, or similar order (including Money Market POS transactions), made by the depositor and payable to third parties. Regulations place no limits on transfers and w ithdraw als made in person, by messenger, by mail or at an ATM are unlimited. 
TIME DEPOSIT ACCOUNTS   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.
FIXED RATE TIME DEPOSIT     A fixed rate deposit account with an automatic renewable feature.
*  Minimum opening balance of $500
*  Pick the term that works best for you
*  Rates are fixed for the entire term, so your money is insulated
*  Penalty for Early Withdrawal applies
*  Also available as a Retirement account.
BUMP RATE TIME DEPOSIT     Bump your interest rate.
*  A fixed rate deposit account with a pre-determined maturity date.
*  24 month term.
*  The rate on this account can be increased once during the term to take advantage of increasing yiels.
*  Penalty for Early Withdrawal applies
*  Also available as a Retirement account.

Interest rates and yields are subject to change daily.  Please ask for a current rate sheet.  If an account is closed before interest is credited, accrued interest will not be paid.  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.  This method applies a periodic rate to the average balance in the account for the period.

  CLICK HERE FOR MORE INFORMATION ABOUT FDIC INSURANCE COVERAGE

Click here to use the FDIC Insurance Calculator