Bank · FDIC insured
Murphy Wall Savings Rates
Murphy Wall’s best savings rate is 0.10% APY on $10,000, with its Money Market Deposit Account. Rates checked October 16, 2026.
How Murphy Wall’s savings 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
0.15%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $15
Just WIN! Rewards Savings
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
SIU Credit Union
1.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $171
Murphy Wall savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0001.05%
- QualifiedQualified0.15%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Consumer Premium Money Market Deposit Account
Up to 1.05%APY
Requires opening deposit of at least $25,000.00 in new money (funds not currently held by Murphy-Wall State Bank). Service charge fee of $12.00 imposed every statement cycle if daily balance falls below $25,000.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upSpecial promotional rate for a 1-year term on new money not currently held by Murphy-Wall State Bank. At end of 1-year term, converts to current Consumer Premium Money Market Deposit rate. $12.00 service fee per statement cycle if daily balance falls below $25,000.00.$10,000 and up | 1.05% | $105 | Special promotional rate for a 1-year term on new money not currently held by Murphy-Wall State Bank. At end of 1-year term, converts to current Consumer Premium Money Market Deposit rate. $12.00 service fee per statement cycle if daily balance falls below $25,000.00. |
| $10,000 and up | 0.40% | $40 |
Sources (3)
- murphywall.com/wp-content/uplo…/111/Rate-Disclosure.pdf
- murphywall.com/specials
- murphywall.com/personal/rates
All captured Sep 17, 2026
Just WIN! Rewards Savings
Up to 0.15%APY
Must be linked to a Just WIN! Cash Rewards or Just WIN! Cash Back Rewards Checking account. Requires acceptance of Consent for Electronic Transactions, Records, and Signatures agreement, valid email address, and enrollment in electronic delivery of statements, notices, and disclosures. No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Qualifying rate tier on portion of daily balance up to $50,000.00 when monthly qualifications are met.Up to $50,000 | 0.15% | $15 | Qualifying rate tier on portion of daily balance up to $50,000.00 when monthly qualifications are met. |
| Up to $50,000Base rate on portion of daily balance up to $50,000.00 when qualifications are not met.Up to $50,000 | 0.01% | $1 | Base rate on portion of daily balance up to $50,000.00 when qualifications are not met. |
Sources (3)
- murphywall.com/wp-content/uplo…/111/Rate-Disclosure.pdf
- murphywall.com/personal/rates
- murphywall.com/just-win-rewards-savings
All captured Sep 25, 2026
Money Market Deposit Account
0.10%APY
Service charge fee of $12.00 imposed every statement cycle if daily balance falls below $2,500.00. 6 transfers per 4-week period; $10.00 fee per excess transaction.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 – $10,000Monthly fee of $12.00 waived if daily balance does not fall below $2,500.00. | 0.10% | — | Monthly fee of $12.00 waived if daily balance does not fall below $2,500.00. |
| $10,000 – $25,000Monthly fee of $12.00 waived if daily balance does not fall below $2,500.00. | 0.10% | $10 | Monthly fee of $12.00 waived if daily balance does not fall below $2,500.00. |
| $25,000 and upMonthly fee of $12.00 waived if daily balance does not fall below $2,500.00. | 0.10% | — | Monthly fee of $12.00 waived if daily balance does not fall below $2,500.00. |
Statement Savings
0.10%APY
Includes 9 free withdrawals per quarter. A service charge may apply if balance falls below $50.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum daily balance of $50.00 required to obtain APY. Interest rate and APY may change after account opening.$50 and up | 0.10% | $10 | Minimum daily balance of $50.00 required to obtain APY. Interest rate and APY may change after account opening. |
Sources (3)
- murphywall.com/wp-content/uplo…/111/Rate-Disclosure.pdf
- murphywall.com/statement-savings
- murphywall.com/personal/rates
All captured Sep 25, 2026
Special-purpose accounts
Christmas Club (with Withdrawal Feature)
0.90%APY
Fixed rate of return. Unlimited additional deposits. Withdraw funds for $5 fee. Account balance paid at maturity.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum daily balance of $5.00 required to obtain APY.$5 and up | 0.90% | $90 | Minimum daily balance of $5.00 required to obtain APY. |
Personal IRA
0.20%APY
Traditional IRA savings account. Automatically renews every 18 months. $5 fee every statement cycle. $50 fee to close an IRA account; $50 fee to transfer to another institution. Subsequent deposits must be at least $50.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum daily balance of $50.00 required to obtain APY. A penalty may be imposed for early withdrawal. Interest rate and APY may change after account opening.$50 and up | 0.20% | $20 | Minimum daily balance of $50.00 required to obtain APY. A penalty may be imposed for early withdrawal. Interest rate and APY may change after account opening. |
Sources (4)
- murphywall.com/wp-content/uplo…/111/Rate-Disclosure.pdf
- murphywall.com/ira
- murphywall.com/personal/rates
- murphywall.com/personal/savings/ira
All captured Sep 25, 2026
Roth IRA
0.20%APY
Roth IRA savings account. $10 semi-annual fee waived if balance stays above $250. $50 fee to close an IRA account; $50 fee to transfer to another institution. Subsequent deposits must be at least $50.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upMinimum daily balance of $250.00 required to obtain APY. Interest rate and APY may change after account opening.$250 and up | 0.20% | $20 | Minimum daily balance of $250.00 required to obtain APY. Interest rate and APY may change after account opening. |
Sources (4)
- murphywall.com/wp-content/uplo…/111/Rate-Disclosure.pdf
- murphywall.com/ira
- murphywall.com/personal/rates
- murphywall.com/personal/savings/ira
All captured Sep 25, 2026
Adventures In Savings
0.10%APY
Designed for K-8th graders / students up to age 18. Minors under 18 must hold joint accounts with parent/guardian or consenting adult. $10 quarterly fee waived until age 18 and on balances over $50 after primary account holder is 18. Includes 9 free withdrawals per quarter ($0.50 per excess withdrawal).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upInterest rate and APY may change after account opening.$1 and up | 0.10% | $10 | Interest rate and APY may change after account opening. |
Sources (2)
All captured Sep 25, 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.