Bank · FDIC insured
The Murray Bank CD Rates
The Murray Bank’s best CD rate is 3.90% APY on a 15-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How The Murray Bank’s CD rates compare
Compared with banks and credit unions near Murray, KY, where The Murray Bank has the most branches. $10,000, best rate first.
This bank’s best
The Murray Bank
3.90%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $490
CD Specials
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Community Financial Services Bank
4.17%APY
- Term
- 17 months
- Minimum
- $1,000
- Earns on $10,000
- $596
The Murray Bank CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo2.25%
- QualifiedQualified3.90%
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 The Murray 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.
CD Specials
Up to 3.90%APY · 2 terms
Public funds not eligible. Minimum opening deposit of $1,000 required. Early withdrawal penalty may be imposed. Fees could reduce earnings. Advertised rates and APYs subject to change at bank discretion.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsCompounded at maturity. Early withdrawal penalty: 3 months | 3.75% | $280 |
| 15 monthsCompounded every 6 months. Early withdrawal penalty: 3 months | 3.90% | $490 |
Sources (2)
All captured Oct 5, 2026
Certificates of Deposits
Up to 3.25%APY · 9 terms
Early withdrawal penalty applies based on term. Actual APY may differ if fees are applied. Advertised rates and APYs subject to change at bank discretion.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounded at maturity. Early withdrawal penalty: 1 Month | 0.30% | $7 |
| 6 monthsCompounded at maturity. Early withdrawal penalty: 3 Month | 3.25% | $161 |
| 12 monthsCompounded semi-annually. Early withdrawal penalty: 3 Months | 3.25% | $325 |
| 18 monthsCompounded semi-annually. Early withdrawal penalty: 6 Months | 1.00% | $150 |
| 24 monthsCompounded semi-annually. Early withdrawal penalty: 6 Months | 2.25% | $455 |
| 30 monthsCompounded semi-annually. Early withdrawal penalty: 6 Months | 1.00% | $252 |
| 36 monthsCompounded semi-annually. Early withdrawal penalty: 6 Months | 2.25% | $690 |
| 48 monthsCompounded semi-annually. Early withdrawal penalty: 6 Months | 1.00% | $406 |
| 60 monthsCompounded semi-annually. Early withdrawal penalty: 6 Months | 1.50% | $773 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA CDs
Up to 3.25%APY · 4 terms
Available for Traditional and Roth IRAs. Actual APY may differ if fees are applied. Minimum $50 to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate | 3.25% | $325 |
| 18 monthsFixed rate | 2.90% | $438 |
| 18 monthsVariable rate | 0.65% | $98 |
| 24 monthsFixed rate | 2.75% | $558 |
| 60 monthsFixed rate | 2.00% | $1,041 |
Sources (2)
All captured Oct 5, 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.