The Murray Bank

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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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

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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

Member FDIC

up to $300

Our Rating

4.2 / 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.themurraybank.com

270-753-5626

405 South 12th Street
Murray, KY 42071

The Murray Bank is headquartered in MURRAY and is the 34^th largest bank in the state of Kentucky. It is also the 1,760^th largest bank in the nation. It was established in 1999 and as of March of 2025, it had grown to 68 employees at 3 locations. The Murray Bank's savings rates are 4X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	35161
Year Established	1999
Employees	68
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.53%
Return on Equity - YTD	20.86%
Annual Interest Income	$6.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$515.9MM$485.1MM
Loans	Q1 2025vs Q1 2024	$380.7MM$320.9MM
Deposits	Q1 2025vs Q1 2024	$470.9MM$434.7MM
Equity Capital	Q1 2025vs Q1 2024	$39MM$32.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.8MM$5.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$164K$218K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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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Savings
Money Market
Checking
CD
IRA

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

The Murray Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$250k^*	-	E-Savings
OTHER TIERS: 0.45% → $0 - $20k \| 0.75% → $20k - $100k \| 1.50% → $100k - $250k
1.00%	$0	-	Kids and Kash Club
0.20%	$0	-	Statement Savings

The Murray Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	$250k^*	-	Business Investment
OTHER TIERS: 0.20% → $0 - $10k \| 0.30% → $10k - $25k \| 0.50% → $25k - $50k \| 0.75% → $50k - $100k \| 1.25% → $100k - $250k

The Murray Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$250k^*	-	Personal Investment
OTHER TIERS: 0.20% → $0 - $10k \| 0.30% → $10k - $25k \| 0.50% → $25k - $50k \| 0.75% → $50k - $100k \| 1.25% → $100k - $250k
0.10%^*	$25k^*	-	Business Interest
OTHER TIERS: 0.05% → $0 - $25k

The Murray Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.12%	$1k	-	7 Month CD Special
4.00%	$1k	-	13 Month CD Special
3.50%	$1k	-	6 Month CD
3.25%	$1k	-	12 Month CD
2.25%	$1k	-	24 Month CD
2.25%	$1k	-	36 Month CD
1.50%	$1k	-	60 Month CD
1.00%	$1k	-	18 Month CD
1.00%	$1k	-	30 Month CD
1.00%	$1k	-	48 Month CD
0.30%	$1k	-	3 Month CD

The Murray Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$50	-	12 Month Fixed IRA
3.00%	$50	-	18 Month Fixed IRA
2.75%	$50	-	24 Month Fixed IRA
2.00%	$50	-	60 Month Fixed IRA
0.65%	$50	-	18 Month Variable IRA

Locations

The Murray Bank Locations
The Murray Bank	405 S 12th St	Murray, KY 42071
700 B North 12th Street Branch	700 B North 12th Street	Murray, KY 42071
The Murray Bank Hazel Branch	405 Main Street	Hazel, KY 42049

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