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Money Market Deposit Account


Put your money to work for you with a Murphy-Wall State Bank and Trust Company Money Market Deposit Account. The account that gives you flexibility to invest in your future – with access for a rainy day. This account offers a competitive interest rate that’s higher than a traditional savings account, helping you reach your financial goals faster. Plus, you’ll enjoy easy access to your funds with limited monthly withdrawals and transfers.



  • Competitive Interest Rates: Earn interest on balances over $1,500.00 that outpaces traditional savings accounts.
  • Easy Access to Your Funds: Make withdrawals and transfers conveniently with six (6) transfers every four weeks, $10.00 every additional withdrawal.
  • Security and Flexibility: Your money is insured up to $250,000 by the FDIC and remains accessible, unlike a certificate of deposit (CD).
  • Minimum Balance Options: We offer a variety of minimum balance tiers to fit your needs, starting at $2,500.00 to open the account.
    • $12.00 monthly fee if the balance falls below $2,500.00

Whether you’re saving for a dream vacation, a down payment on a house, or simply building your emergency fund, a Murphy-Wall Money Market Deposit Account can help you get there.

Open yours today and start saving smarter!

For more information or to open an account, visit your nearest Murphy-Wall State Bank branch or contact us online.

Ready to Open Your Account?

Give us a call today or stop by one of ourĀ branches.

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Do More with Your Account

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Start planning for your retirement



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Interested in Our Rates?

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The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account Daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
Account Fees: A service charge fee of $12.00 will be imposed every statement cycle if the daily balance in the account falls below $2,500.00 during the statement cycle. An excess withdrawal fee of $10.00 will be charged for each transaction in excess of limitations during monthly statement cycle.

Fees could reduce earnings on the account.

Member FDIC