Bank · FDIC insured
Murphy Bank CD Rates
Murphy Bank’s best CD rate is 3.95% APY on a 1-year CD. Terms run from 3 months to 2 years. Rates checked October 16, 2026.
How Murphy Bank’s CD rates compare
Compared with banks and credit unions near Fresno, CA, where Murphy Bank has the most branches. $10,000, best rate first.
This bank’s best
Murphy Bank
3.95%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $395
Fixed Rate Certificates of Deposit (CD)
Top rate
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $321
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Murphy Bank CD score
82
CD score
Higher than 57% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo3.45%
- QualifiedQualified3.95%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Murphy Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Fixed Rate Certificates of Deposit (CD)
Up to 3.95%APY · 4 terms
Substantial penalty for early withdrawal before maturity date. Loyal customer rate bonus: an extra 0.10% over the rate shown is paid on all fixed rate certificate accounts renewing (not new accounts) that have been open for a consecutive period of one year or longer. Customer receives interest rate shown if interest is withdrawn monthly or transferred; APY earned if funds remain on deposit to maturity with no interest withdrawn.
| Term | APY · $1,000 – $9,999 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.30% | 3.50% | 3.50%3.30% $1k–$10k | $86 |
| 6 months | 3.35% | 3.90% | 3.90%3.35% $1k–$10k | $193 |
| 12 months | 3.45% | 3.95% | 3.95%3.45% $1k–$10k | $395 |
| 24 months | 3.15% | 3.45% | 3.45%3.15% $1k–$10k | $702 |
Sources (1)
- murphybank.com/cd-rates · captured Oct 16, 2026
Special-purpose accounts
IRA CD
Up to 3.95%APY · 2 terms
Minimum term for an IRA CD is 1 year. Substantial penalty for early withdrawal before maturity date. Loyal customer rate bonus: an extra 0.10% over the rate shown is paid on all fixed rate certificate accounts renewing (not new accounts) that have been open for a consecutive period of one year or longer. Customer receives interest rate shown if interest is withdrawn monthly or transferred; APY earned if funds remain on deposit to maturity with no interest withdrawn.
| Term | APY · $1,000 – $9,999 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 3.45% | 3.95% | 3.95%3.45% $1k–$10k | $395 |
| 24 months | 3.15% | 3.45% | 3.45%3.15% $1k–$10k | $702 |
Sources (1)
- murphybank.com/cd-rates · captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.