Twin River National Bank was established on November 15, 1979.  The bank has been FDIC insured since that time.  Twin River National Bank is chartered as a National Bank.  The primary regulator is the Office of the Comptroller of the Currency.  The bank has assets of approximately $52,157,000 at the end of 2008 and net income of $488,000.  At the end of the third quarter in 2008, the bank’s percent of total loans non current was only 0.01%.  The bank has two bank branches in Idaho and two bank branches in Washington.

The bank offers a wide array of consumer bank products and services, some of which includes: personal checking, savings, residential home loans, personal loans, credit cards, CDs and more.  The bank CDs offer competitive rates and have FDIC insurance so accountholders won’t have to worry about loss of principal.  CD interest rates are based upon the length of deposit.  The interest earned is compounded and credited quarterly.
 
With a minimum deposit and balance of $500.00, Twin River National Bank offers the following CD products:

A one month CD rate is 1.05% APY.
A three month CD rate is 1.05% APY.
A six month CD rate is 1.85% APY.
A one year CD rate is 2.30% APY.
An eighteen month CD rate is 2.30% APY.
A two year CD rate is 2.55% APY.
A three year CD rate is 2.65% APY.
A four year CD rate is 3.00% APY.
And a five year CD rate is 3.10% APY.
 
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:  1 month to 1 year bank CDs has a 3 month interest penalty, bank CDs that are 1 year or greater has a 6 months interest penalty.

Bank CD interest rates and yields are subject to change.  Additional conditions may apply.  For current CD rates and account information contact the bank directly at 208-746-4848.  CD rates, saving rates, account information and other disclosures can be found at the bank website, www.twinriverbank.com.

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