Current Rates

For rates on products not listed on this page please contact us.

Certificates of Deposit (CDs)*

Effective 1/2/2024

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ProductAPYINTEREST RATEMINIMUM OPENING
DEPOSIT
25-Month CD/IRA Special**4.35%4.26%
$500.00
19-Month CD/IRA Special**4.30%4.21%$500.00
11-Month CD/IRA Special**4.25%4.16%$500.00
7-month CD/IRA Special**4.20%4.11%$500.00
3-Month CD/IRA0.70%0.70%$500.00
6-Month CD/IRA0.75%0.75%$500.00
1-Year CD/IRA0.80%0.80%$500.00
2-Year CD/IRA0.85%0.85%$500.00
5-Year CD/IRA1.00%1.00%$500.00

*Rates are subject to change without notice. Annual Percentage Yields (APY) are accurate as of date shown. A penalty may be imposed for early withdrawal from a Certificate of Deposit (CD) account. Withdrawals or fees may reduce the earnings on these accounts. The minimum balance to earn interest is $0.01.

**Annual Percentage Yield(s) (APY) effective as of 1/2/24. Certificates of Deposit (CDs) are FDIC insured and offer a fixed rate of return if held to maturity. Penalty will be imposed for early withdrawal. Interest is compounded daily and credited every month. $500 minimum deposit to open. Minimum balance to earn APY is $0.01. Offer is not valid to existing funds on deposit at the bank and is limited only to funds that are new to Fidelity Bank.  Fees could reduce earning on the account. Personal accounts only. Offer subject to change or cancellation at any time.

Savings Accounts*

Effective 03/01/24

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ProductAPYINTEREST RATEINTEREST TIERSMINIMUM OPENING
DEPOSIT
EarnMore Savings Account†4.00%
4.00%-0.10%†
3.93%
3.93%-0.10%
$0.01 – $500,000.00
$500,000.01 and above
$5,000.00
LifeDesign Statement Savings0.25%0.25%$0.01 and above$10.00
Companion Savings**0.25%0.25%$0.01 and above$25.00
CompleteCare Companion Savings**0.30%0.30%$0.01 and above$25.00
Growth Savings**0.40%
0.40%-0.04%***
0.40%
0.04%
$0.01 – $300.00
$300.01 and above
$10.00
Save4Life0.25%0.25%$0.01 and above$10.00
BusinessWorx Money Market††0.10%
1.00%
2.00%††
0.10%
1.00%
1.98%
$0.01 – $50,000.00
$50,000.01 – $150,000.00
$150,000.01 and above
$10,000.00

*Rates are subject to change without notice. Annual Percentage Yields (APY) are accurate as of date shown. Fees may reduce the earnings on these accounts. **Rates shown are blended rates. Additional tiers exist at varying rates. To qualify for a Companion Savings Accounts you must have an active, corresponding CareChecking Account. To qualify for a CompleteCare Companion Savings Accounts you must have an active, corresponding CompleteCare Checking Account. To qualify for Growth Savings you must be 18 years old or younger. ***APY is expressed as a range; it is a blended rate dependent upon the daily balance.

†Annual Percentage Yield (APY) is accurate as of 3/1/24. Offer is not valid to existing deposits at the bank and is limited only to funds that are new to Fidelity Bank. $5,000 minimum initial deposit to open. All subsequent deposits to this account must be new funds to Fidelity Bank. The APY for the EarnMore Savings Account as of 3/1/24 is 4.00%, for balances up to $500,000. APY is 4.00% – 0.10% for balances $500,000.01 and over. Rate is blended. APY and APY tiers are subject to change at any time. Limit one account per tax reported owner. Personal accounts only. The minimum balance to earn interest is $0.01. Offer subject to change or cancellation at any time.

††Annual Percentage Yield (APY) is accurate as of 3/20/23. Offer is not valid to existing deposits at the bank and is limited only to funds that are new to Fidelity Bank. Business accounts only. $10,000 minimum initial deposit to open. All subsequent deposits to this account must be new funds to Fidelity Bank. A monthly maintenance fee of $25.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $50,000.00. The BusinessWorx Money Market Account is a tiered rate account. The daily balance will determine the applicable tier and the interest rate will be paid on the entire balance. The APY is 2.00% for balances of $150,000.01 and over, 1.00% for balances of $50,000.01-$150,000.00, and 0.10% for balances of $0.01-$50,000.00. APY and APY tiers are subject to change at any time. The minimum balance to earn interest is $0.01. Offer subject to change or cancellation at any time.

Escape High Rates with Our Rate Rescue Program: Get 1% of Your Rate Covered for a Year or a Permanent Reduction with One Discount Point!

Fixed Rate Mortgage*

Effective 5/24/2024

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PRODUCTINTEREST RATEAPRPAYMENT / $1000
30 Year 7.375%7.569%$6.91
30 Year – 1 Point7.000%7.293%$6.65
20 Year 7.000%7.247%$7.75
15 Year7.125%7.434%$9.06
10 Year7.000%7.431%$11.461
30 Year Jumbo 7.625%7.822%$7.08
20 Year Jumbo 7.250%7.500%$7.90
15 Year Jumbo7.375%7.686%$9.20
10 Year Jumbo7.250%7.683%$11.74

PLEASE CALL FOR RATES ON LOANS WITH 1 POINT, 2 POINTS OR OUR NO POINTS NO CLOSING COSTS PROGRAM

*Interest Rates and APR are subject to change without notice. Interest rates posted are considered benchmark rates, additional points or higher rates may be applicable. Ask your Home Loan Specialist for details as they apply to you. APR is annual percentage rate and is accurate as of the effective date. LTV – The loan-to-value ratio is the amount of a first mortgage lien as a percentage of the total appraised value of the real property. Loans exceeding 80% loan-to-value require Private Mortgage Insurance (PMI). Rate assumes 20% down payment. Payment amounts on the above product does not include taxes and insurance. Your final payment may be greater. Jumbo mortgages are loans which exceed your county’s maximum conforming loan limit. Please consult one of our Home Loan Specialists for more detail on Jumbo loan options. Subject to credit approval.

**One Percent Buy Down will temporarily reduce the mortgage Note Rate by 1% for the first year of the mortgage via a bank-paid credit. The bank will fund an escrow account and disperse funds to cover the difference in interest during the one-year period. **One Percent Point Reduction will permanently credit the borrower 1% of the loan amount as a discount point providing a lower rate for the life of the loan. For example, for a $100,000 mortgage the cost of the point at one percent equals $1,000. Example Loan Transaction: A 30-year fixed rate mortgage, with an APR (Annual Percentage Rate) of 6.60% (current on 2/14/23), is repaid in 360 monthly payments of $6.32 per $1,000. The exact APR and amount of the interest rate reduction will depend on the type of loan, amount of loan, and current rate. Only one Rate Rescue offer per loan. Offers valid only on: conventional financing loans; purchase mortgages; primary residences; and fixed-rate loans. Additional restrictions may apply. Rate Rescue offers subject to change or cancellation at any time. All loans subject to credit approval. NMLS# 452347

Fixed Rate Construction*

Effective 5/24/2024

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ProductINTEREST RATEAPRPAYMENT / $1000
30 Year7.625%7.954% $7.08
20 Year7.250%7.659%$7.90
15 Year7.375%7.884%$9.20
Land Loan7.500%7.634%$6.99

*Interest Rates and APR are subject to change without notice. Interest rates posted are considered benchmark rates, additional points or higher rates may be applicable. Ask your Home Loan Specialist for details as they apply to you. APR is annual percentage rate and is accurate as of the effective date. LTV – The loan-to-value ratio is the amount of a first mortgage lien as a percentage of the total appraised value of the real property. Loans exceeding 80% loan-to-value require Private Mortgage Insurance (PMI). Rate assumes 20% down payment. Payment amounts on the above product does not include taxes and insurance. Your final payment may be greater. Subject to credit approval.

Get the Funds You Need for the Things That Matter with a 0.00% APR Home Equity Loan for the First Three Months!†

Home Equity*

Effective 5/24/2024

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ProductINTEREST RATEAPRPAYMENT / $1000
6-Month Introductory Rate Home Equity Line**5.99% for 6 months then Prime minus .50% for life of loan***8.000%$3.33
5 YR Home Equity Loan6.740%6.740%$19.68
10 YR Home Equity Loan6.990%6.990%$11.61
15 YR Home Equity Loan7.490%7.490%$9.26
20 YR Home Equity Loan8.000%8.000%$8.36

*Home equity lines and loans are available on 1-2 family owner-occupied homes and condominiums only. Loans available from $10,000 and up. You may borrow up to 100% combined loan to value; Loans exceeding 75.01% Combined Loan to Value (CLTV) may have higher rates and terms and require PMI. Property insurance required.

**Annual Percentage Rates (APR) accurate as of 7/28/23. The introductory APR of 5.99% APR will be in effect for the first 6 months of your loan. After the introductory rate period, the subsequent Annual Percentage Rate (APR) will adjust monthly based on the highest Wall Street Journal published Prime Rate on the last business day of each month. Introductory APR only available to clients: without an existing Fidelity Bank home equity line or loan; with an existing or new CareChecking account; and with an automatic payment deduction from a Fidelity Bank Checking Account. Subsequent APR is prime minus .50%, prime minus .625 % with CareMore or SecureCare Checking, or prime minus .75% with CompleteCare Checking. Rate will never exceed 18% APR or drop below 4.00% APR. Available on 1-2 family owner-occupied homes and condominiums only. Loans available from $10,000 and up. You can borrow up to 100% of the equity you have in your home. Loans exceeding 75.01% Combined Loan to Value (CLTV) may have higher rates and require Private Mortgage Insurance (PMI). Property insurance required. There is an annual fee of $50.00. Interest begins to accrue when funds are advanced from line of credit. If the line is closed within 3 years, the Bank’s closing costs must be repaid. Interest may be tax-deductible. Please consult your tax advisor. All loans are subject to credit approval. Other restrictions may apply. Offers subject to change or termination at any time.

*** WALL STREET JOURNAL PRIME RATE IS 8.500% (updated as of 7/27/23)

†Promotional offer of 0% Annual Percentage Rate (APR) for first three months can be paired with any current Fidelity Bank home equity loan product. Offer available only on: 1-2 family owner-occupied homes and condominiums; loans from $10,000 to $100,000; up to 75% combined loan to value; and with an automatic payment deduction from any Fidelity Bank Checking Account. Property insurance required. The mortgage Note Rate will be temporarily reduced by the full amount of the APR for the first months of the loan via a bank-paid credit. The bank will fund an escrow account and disperse funds to cover the full interest during the three-month period. Example Loan Transaction: A 5-year fixed rate home equity loan, with an APR of 6.49% (current on 9/22/23), is repaid in 60 monthly payments of $19.56 per $1,000. The exact APR will depend on the type of loan, amount of loan, and current rate. Offer subject to change or cancellation at any time. Additional restrictions may apply. All loans subject to credit approval. NMLS# 452347. **5-Day Fasttrack approval is within five (5) business days from when Fidelity Bank receives all required documentation from borrower(s).