Murphy Bank

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.murphybank.com

559-225-0225

5180 North Palm Avenue Suite 101
Fresno, CA 93704

Murphy Bank is headquartered in FRESNO and is the 94^th largest bank in the state of California. It is also the 2,243^rd largest bank in the nation. It was established in 1984 and as of December of 2024, it had grown to 34 employees at 2 locations. Murphy Bank's CD rates are 4X the national average, and it has an A health rating.

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Health

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	25726
Year Established	1984
Employees	34
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.51%
Return on Equity - YTD	11.14%
Annual Interest Income	$26.3MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$356.4MM$368.4MM
Loans	Q4 2024vs Q4 2023	$299.5MM$311.6MM
Deposits	Q4 2024vs Q4 2023	$292.1MM$301MM
Equity Capital	Q4 2024vs Q4 2023	$50.7MM$48.3MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$3.9MM$4MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$342K$197K
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Murphy Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.36%^*	$25k^*	-	Passbook Savings Account
OTHER TIERS: 0.60% → $500 - $10k \| 0.85% → $10k - $25k
1.36%^*	$25k^*	-	Regular Savings Account
OTHER TIERS: 0.60% → $500 - $10k \| 0.85% → $10k - $25k

Murphy Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.30%	$10k	-	6 Month Jumbo CD
3.99%	$10k	-	12 Month Jumbo CD
3.80%	$1k	$10k	6 Month CD
3.50%	$1k	$10k	12 Month CD
3.40%	$10k	-	24 Month Jumbo CD
3.25%	$10k	-	3 Month Jumbo CD
3.00%	$1k	$10k	3 Month CD
3.00%	$1k	$10k	24 Month CD

Murphy Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.99%	$10k	-	12 Month Jumbo IRA CD
3.50%	$1k	$10k	12 Month IRA CD
3.40%	$10k	-	24 Month Jumbo IRA CD
3.00%	$1k	$10k	24 Month IRA CD

Locations

Murphy Bank Locations
Murphy Bank	5180 N Palm Ave	Fresno, CA 93704
Murphy Bank San Luis Obispo Branch	892 Aerovista Place, Suite 110	San Luis Obispo, CA 93401

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