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A Certificate of Deposit (CD) from Fidelity Bank offers a safe, reliable way to grow your savings with predictable returns and zero market risk.
What Makes Our CDs the Right Choice?
Safe & Secure – Your money is protected with guaranteed returns and no risk
Competitive Rates – Maximize earnings with high-yield CD specials
Flexible Terms – Choose from a variety of terms to fit your savings goals
100% Insured – Every dollar is fully protected by FDIC & DIF insurance, with no coverage limits
Certificates of Deposit (CDs)1
Effective 9/30/25
| Product | Annual Percentage Yield (APY) | Plus Spending APY2 | Premier Spending APY2 |
|---|---|---|---|
| 91-Day CD3 | 3.50% | 3.53% | 3.55% |
| 6-Month CD/IRA | 3.35% | 3.38% | 3.40% |
| 12-Month CD/IRA | 2.85% | 2.88% | 2.90% |
| 18-Month CD/IRA | 2.65% | 2.68% | 2.70% |
| 24-Month CD/IRA | 2.55% | 2.58% | 2.60% |
| 36-Month CD/IRA | 2.45% | 2.48% | 2.50% |
| 48-Month CD/IRA | 2.25% | 2.28% | 2.30% |
| 60-Month CD/IRA | 2.05% | 2.08% | 2.10% |
1 Annual Percentage Yields (APY) are accurate as of date shown. Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce the earnings on these accounts.
2 Higher CD/IRA Rates are available to Plus and Premier Spending clients.
3 There is one penalty-free withdrawal per term for any 91-day CD (only after the first six days of a deposits term).
Fidelity Bank offers the combined insurance coverage from the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF). This unique combination provides the best deposit insurance available – so whether it’s $100,000 or $10,000,000, every dollar you deposit with us is safe, secure, and 100% insured.
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