11. Incentives could vary according to the length of time deposits are locked away. 12. Five-year time deposits are yielding about 1 . 0 percent interest. 13. That could make the bank's time deposits less attractive and inflate its funding costs. 14. The change affects only time deposits , whose interest rates are higher than regular accounts. 15. Argentaria's conventional three-year time deposit pays 9.75 percent a year. 16. Minimum RM5, 000 for Premier Time Deposit , NEW STRAITS TIMES-MANAGEMENT 17. M2, which adds in time deposits , grew at an annual rate of 28.3 percent. 18. The M2 money supply includes cash in circulation, passbook savings accounts and time deposits . 19. Insured savings institutions have about $ 1.15 trillion in time deposits such as CDs. 20. Time deposits increased to 1 . 1 billion reais from 490 million, he said.