Let us help you grow your money for today and tomorrow. Certificates of Deposit CDs offer you the ability to earn a higher rate of interest by depositing a specific amount for a specified period of time: We offer terms with maturities from three months to five years. $1000 minimum balance required for terms of one year or less, and just $500 for terms of more than one year. Individual retirement account certificates are available. Interest penalties may be imposed for withdrawals of principal prior to maturity. Interest can be paid at maturity, paid monthly to you by check, or credited to another Two River Community Bank account.