Certificates of Deposit (CDs)

When it comes to offering our customers CDs, there are many ways that we can stand out from everybody else:

• We offer interest rates that are a bit higher than those offered by most other banks.
• We offer you the flexibility to put your money in a CD for the exact number of days you want. For example, suppose you know you have a sum of money that you will need in exactly 5 months. With a lot of banks, you’ll be able to get a CD for three of the five months, but for the other two months, you’ll have to be satisfied holding your money in a money market account which pays a lower interest rate than the CD. At Murphy Bank, you can put your money in a CD for the full 5 months, which will let you earn more interest.
• We offer Murphy Bank's personal touch, whether you talk with us on the phone or in person. While it's true that our personal touch won't do anything extra for your bank balance, you can enjoy peace of mind when your questions are answered face to face. And at Murphy Bank, we think that matters.
  
  

 

Current CD Rates

Select your amount:

$10,000+ (Jumbo) $1,000 - $9,999

Term	Rate	Percent Yield (APY)*
3 Months 6 Months 12 Months 24 Months	.35% .45% .65% .75%	.35% .45% .65% .75%

RATES EFFECTIVE THROUGH 05/19/2013.
RATES SUBJECT TO CHANGE WTHOUT NOTICE.

We invite you to call us at 559-225-0225 to verify current rates or to open a new CD.

* RATE/ANNUAL PERCENTAGE YIELD: Customer receives the rate shown if interest is withdrawn monthly or is transferred to another account. The customer will earn at an APY shown only if the funds remain on deposit to maturity and no interest is withdrawn from the account during that period of time. Any withdrawal of interest will reduce earnings to less than the APY shown.

LOYAL CUSTOMER RATE BONUS: An extra .20% over the rate shown above will be paid on all fixed rate certificate accounts renewing (not new accounts) that have been open for a consecutive period of one year or longer.

INTEREST PENALTY: There is a substantial penalty for early withdrawl of principal.

Term	Early Withdrawal penalty
3 months	30 days interest
6 months	90 days interest
1 year	120 days interest
2 years	180 days interest

WIRE FEE: Funds wired out will be assessed a $20.00 fee.

ACCOUNT INACTIVITY: In the event an account remains inactive for a period of 3 years, the money deposited in such an account will be turned over to the State of California as provided in the Code of Civil Procedures Section 1513 of the California Unclaimed Property Law and Regulations.