Deposit Rates






When you need The Murray Bank, we want you to know we are always available. 

We offer a 24 hour hotline, four full service ATMs, four cash machines and three Offices located with in Murray and Calloway County. When it comes to being available, we’ve got this community covered.

For your protection, do not send personal information such as social security or account numbers. Requests for financial transactions will not be honored.

Rates may change after account opens  |  Fees could reduce earnings  | Rates current as of 1/03/2024
Cert Term Interest Rate APY * Minimum Deposit Compound Frequency  Early Withdrawal Penalty
3 Month 0.30% 0.30% $1,000 At Maturity 1 Month
6 Month 3.50% 3.50% $1,000 At Maturity 3 Month
12 Month 3.22% 3.25% $1,000 Semi-Annually 3 Months
18 Month 1.00% 1.00% $1,000 Semi-Annually 6 Months
24 Month 2.24% 2.25% $1,000 Semi-Annually 6 Months
30 Month 1.00% 1.00% $1,000 Semi-Annually 6 Months
36 Month 2.24% 2.25% $1,000 Semi-Annually 6 Months
48 Month 1.00% 1.00% $1,000 Semi-Annually 6 Months
60 Month  1.49% 1.50%  $1,000 Semi-Annually 6 Months
  • Minimum of $1,000 to open
  • Actual Annual Percentage Yield may differ if any fees are applied
  • A penalty may be imposed for early withdrawal
  • Advertised rates and APYs are subject to change at The Murray Bank’s discretion 
* Annual Percentage Yield
Type Interest Rate APY*
12 Month Fixed 3.72% 3.75%
18 Month Fixed 2.98% 3.00%
18 Month Variable 0.65% 0.65%
24 Month Fixed 2.73% 2.75%
60 Month Fixed 1.99% 2.00%

  • Actual Annual Percentage Yield may differ if any fees are applied
  • Minimum of $50 to open
* Annual Percentage Yield
Account
 Tiers Interest Rate APY*
Personal Investment
minimum of $1,000 to open
 0 - $9,999.99 0.20% 0.20%

$10,000 - $24,999.99 0.30% 0.30%

$25,000 - $49,999.99 0.50% 0.50%

$50,000 - $99,999.99 0.75% 0.75%

$100,000 - $249,999.99 1.24% 1.25%

$250,000.00 and Over  1.98% 2.00%
Business with Interest
minimum of $1000 to open
 $0.01 - $24,999.99 0.05% 0.05%

$25,000 and Over 0.10% 0.10%
Business Investment
minimum of $2500 to open
 0 - $9,999.99 0.20%
0.20%

$10,000 - $24,999.99 0.30% 0.30%

$25,000 - $49,999.99 0.50% 0.50%

$50,000 - $99,999.99 0.75% 0.75%

$100,000 - $249,999.99 1.24% 1.25%

$250,000.00 and Over 1.98% 2.00%
E-Savings
 $0.01 - $19,999.99 0.45% 0.45%

$20,000 - $99,999.99 0.75% 0.75%

$100,000 - $249,999.99 1.49% 1.50%

$250,000 and Over 1.98% 2.00%
Statement Savings
minimum of $50 to open
 N/A 0.20% 0.20%
Kids and Kash Club
minimum of $5 to open
 N/A 1.00% 1.00%

  • Actual Annual Percentage Yield may differ if any fees are applied
  • Advertised rates and APYs are subject to change at The Murray Bank’s discretion
* Annual Percentage Yield
For additional information on any of our loan products contact any of our Loan Officers or email info@themurraybank.com.
Cert Term Interest Rate APY * Minimum Deposit Compound Frequency  Early Withdrawal Penalty
7 Month 4.00% 4.12% $1,000 At Maturity 3 Months
13 Month 3.95% 4.00% $1,000 6 Months 3 Months
  • Minimum of $1,000 to open
  • Actual Annual Percentage Yield may differ if any fees are applied
  • A penalty may be imposed for early withdrawal
  • Advertised rates and APYs are subject to change at The Murray Bank’s discretion 
* Annual Percentage Yield





The Murray Bank is a full-service financial institution with convenient locations for customers in Calloway County.
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