Bank · FDIC insured
Murphy Wall CD Rates
Murphy Wall’s best CD rate is 3.65% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Murphy Wall’s CD rates compare
Compared with banks and credit unions near Marion, IL, where Murphy Wall has the most branches. $10,000, best rate first.
This bank’s best
Murphy Wall
3.65%APY
- Term
- 18 months
- Minimum
- $2,500
- Earns on $10,000
- $552
NEW Money Certificate of Deposit Special
Top rate
Banterra Bank
4.40%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,379
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Murphy Wall CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo1.00%
- QualifiedQualified3.65%
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 Wall 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.
NEW Money Certificate of Deposit Special
Up to 3.65%APY · 3 terms
Must be funded with new money (funds transferred from other accounts with Murphy-Wall State Bank and Trust Company are not considered new money). Consumers only (must be held in consumer ownership; businesses and other legal entities are not eligible). Early withdrawal penalty may apply. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsPenalty may be imposed for early withdrawal | 3.15% | $183 |
| 13 monthsPenalty may be imposed for early withdrawal | 3.35% | $363 |
| 18 monthsPenalty may be imposed for early withdrawal | 3.65% | $552 |
Sources (3)
- murphywall.com/wp-content/uplo…/111/Rate-Disclosure.pdf
- murphywall.com/specials
- murphywall.com/personal/rates
All captured Sep 17, 2026
Certificates of Deposit
Up to 3.00%APY · 14 terms
Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Fixed rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDaily balance to obtain APY. Penalty may be imposed for early withdrawal | 0.10% | $2 |
| 6 monthsDaily balance to obtain APY. Penalty may be imposed for early withdrawal | 0.15% | $7 |
| 9 monthsDaily balance to obtain APY. Penalty may be imposed for early withdrawal | 3.00% | $224 |
| 12 monthsDaily balance to obtain APY. Penalty may be imposed for early withdrawal | 0.30% | $30 |
| 14 monthsNot currently offered to open as new account. Daily balance to obtain APY. Penalty may be imposed for early withdrawal | 0.30% | $35 |
| 15 monthsNot currently offered to open as new account. Daily balance to obtain APY. Penalty may be imposed for early withdrawal | 0.30% | $38 |
| 16 monthsNot currently offered to open as new account. Daily balance to obtain APY. Penalty may be imposed for early withdrawal | 0.30% | $40 |
| 18 monthsDaily balance to obtain APY. Penalty may be imposed for early withdrawal | 0.35% | $53 |
| 20 monthsNot currently offered to open as new account. Daily balance to obtain APY. Penalty may be imposed for early withdrawal | 0.35% | $58 |
| 24 monthsDaily balance to obtain APY. Penalty may be imposed for early withdrawal | 0.40% | $80 |
| 30 monthsDaily balance to obtain APY. Penalty may be imposed for early withdrawal | 0.45% | $113 |
| 36 monthsDaily balance to obtain APY. Penalty may be imposed for early withdrawal | 0.65% | $196 |
| 48 monthsDaily balance to obtain APY. Penalty may be imposed for early withdrawal | 0.80% | $324 |
| 60 monthsDaily balance to obtain APY. Penalty may be imposed for early withdrawal | 1.00% | $510 |
Sources (4)
- murphywall.com/wp-content/uplo…/111/Rate-Disclosure.pdf
- murphywall.com/cds
- murphywall.com/personal/rates
- murphywall.com/personal/savings/cds
All captured Sep 17, 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.