What are the current interest rates at Murphy-Wall State B&T Co.?

Current rates for Murphy-Wall State B&T Co. include: 12-Month CD: 0.30%, 18-Month CD: 0.35%, 24-Month CD: 0.40%, 36-Month CD: 0.65%, 48-Month CD: 0.80%, 60-Month CD: 1.00%, Savings: 0.15%, MMA: 0.10%

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Murphy-Wall State B&T Co. Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Murphy-Wall State B&T Co. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 3, 2026

Murphy-Wall State B&T Co.'s 18-Month NEW Money Certificate of Deposit Special rates are at 3.65%, Spring NEW MONEY Certificate of Deposit Specials 18-month rates are at 3.65%, 13-Month NEW Money Certificate of Deposit Special rates are at 3.35%, Spring NEW MONEY Certificate of Deposit Specials 13-month rates are at 3.35%, 7-Month NEW Money Certificate of Deposit Special rates are at 3.15%. Murphy-Wall State B&T Co.'s savings rates are at 0.15%. Murphy-Wall State B&T Co.'s money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of Murphy-Wall State B&T Co. with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.45%. Rates were last updated on 04/03/2026.

Murphy-Wall State B&T Co. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Murphy-Wall State B&T Co.? Share your experience about Murphy-Wall State B&T Co. by leaving a review below, or read customer reviews before you decide to use Murphy-Wall State B&T Co..

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.45%

Excellent Higher than avg

Murphy-Wall State B&T Co.

105 E Water St
Pinckneyville, IL 62274

https://www.murphywall.com

Murphy-Wall State B&T Co. CD Rates

Product	Rate	APY	Term
18 Month NEW Money Certificate of Deposit Special	3.62%	3.65%	18
Min Deposit $2,500 Min Balance $2,500 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
Spring NEW MONEY Certificate of Deposit Specials 18-month	3.62%	3.65%	18
Min Deposit $2,500 Details NEW Money Certificate of Deposit (CD) Special for Consumers only. Funds transferred from other account(s) with Murphy-Wall State Bank and Trust Company are not considered new money. CD must be held in consumer ownership. Businesses and other legal entities are not eligible. Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
13 Month NEW Money Certificate of Deposit Special	3.32%	3.35%	13
Min Deposit $2,500 Min Balance $2,500 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
Spring NEW MONEY Certificate of Deposit Specials 13-month	3.32%	3.35%	13
Min Deposit $2,500 Details NEW Money Certificate of Deposit (CD) Special for Consumers only. Funds transferred from other account(s) with Murphy-Wall State Bank and Trust Company are not considered new money. CD must be held in consumer ownership. Businesses and other legal entities are not eligible. Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
7 Month NEW Money Certificate of Deposit Special	3.13%	3.15%	7
Min Deposit $2,500 Min Balance $2,500 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
Spring NEW MONEY Certificate of Deposit Specials 7-month	3.13%	3.15%	7
Min Deposit $2,500 Details NEW Money Certificate of Deposit (CD) Special for Consumers only. Funds transferred from other account(s) with Murphy-Wall State Bank and Trust Company are not considered new money. CD must be held in consumer ownership. Businesses and other legal entities are not eligible. Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
9 Month Certificate of Deposit	2.99%	3.00%	9
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
60 Month Certificate of Deposit	1.00%	1.00%	60
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
48 Month Certificate of Deposit	0.80%	0.80%	48
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
36 Month Certificate of Deposit	0.65%	0.65%	36
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
30 Month Certificate of Deposit	0.45%	0.45%	30
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
24 Month Certificate of Deposit	0.40%	0.40%	24
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
18 Month Certificate of Deposit	0.35%	0.35%	18
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
20 Month Certificate of Deposit	0.35%	0.35%	20
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
12 Month Certificate of Deposit	0.30%	0.30%	12
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
14 Month Certificate of Deposit	0.30%	0.30%	14
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
15 Month Certificate of Deposit	0.30%	0.30%	15
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
16 Month Certificate of Deposit	0.30%	0.30%	16
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
6 Month Certificate of Deposit	0.15%	0.15%	6
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
3 Month Certificate of Deposit	0.10%	0.10%	3
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%

Murphy-Wall State B&T Co. Savings Rates

Product	Rate	APY
Christmas Club	0.90%	0.90%
Min Deposit $5 Min Balance $5 Details A penalty may be imposed for early withdrawal. Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
Statement Savings	0.25%	0.25%
Min Deposit $50 Min Balance $50 Details The interest rate and annual percentage yield may change after account opening. Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
Just WIN! Rewards Savings	-	0.15%
Min Deposit $50 Details Qualifying balance up to $50,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%

Murphy-Wall State B&T Co. Money Market Rates

Product	Rate	APY
Premium (New Money) Money Market Deposit Account	1.04%	1.05%
Min Deposit $25,000 Min Balance $10,000 Details Opening deposit must be at least $25,000.00 with funds not currently held by Murphy-Wall State Bank. Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
Money Market Deposit Account Premium (NEW MONEY)	0.40%	0.40%
Min Balance $25,000 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%
Money Market Deposit Account	0.10%	0.10%
Min Balance $1,500 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.45%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Murphy-Wall State B&T Co. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Murphy-Wall State B&T Co. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Murphy-Wall State B&T Co.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Murphy-Wall State B&T Co.

Bank Holding Company MURPHY-WALL BCORP INC

Address 105 E Water St, Pinckneyville, IL 62274 · Perry

Website https://www.murphywall.com

FDIC Certificate # 10860

Established 11/01/1874

FDIC Insurance Date 01/01/1934

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.45%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9170%

Return on Equity (ROE) 11.9600%

Non-Performing Loans (NPL) 0.64%

Total Assets $210,359,000

Total Deposits $189,402,000

Equity Capital $20,321,000

Net Income $41,000

Headquarters Pinckneyville

Total Offices 6

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Murphy-Wall State B&T Co.

Is Murphy-Wall State B&T Co. a safe place to deposit money?

Yes, Murphy-Wall State B&T Co. is considered a safe financial institution. With a Texas Ratio of 10.452478224004%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Murphy-Wall State B&T Co. operate?

Murphy-Wall State B&T Co. currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Murphy-Wall State B&T Co. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Murphy-Wall State B&T Co. provides members with tools to manage their accounts and build a solid financial history.

Does Murphy-Wall State B&T Co. offer online and mobile banking?

Most modern institutions like Murphy-Wall State B&T Co. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.murphywall.com.