Current Rates
For rates on products not listed on this page please contact us.
Fixed Rate Mortgage*
Effective 10/06/2022
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| Product | INTEREST RATE | APR | PAYMENT / $1000 |
|---|---|---|---|
| 30 Year Purchase | 6.125% | 6.223% | $6.08 |
| 20 Year Purchase | 5.750% | 5.883% | $7.02 |
| 15 Year Purchase | 5.375% | 5.528% | $8.10 |
| 10 Year Purchase | 5.500% | 5.718% | $10.85 |
| 30 Year Refinance | 6.500% | 6.600% | $6.32 |
| 20 Year Refinance | 6.250% | 6.385% | $7.31 |
| 15 Year Refinance | 6.000% | 6.156% | $8.44 |
| 10 Year Refinance | 6.000% | 6.220% | $11.10 |
| 30 Year Jumbo Purchase | 6.375% | 6.474% | $6.32 |
| 20 Year Jumbo Purchase | 6.000% | 6.134% | $7.16 |
| 15 Year Jumbo Purchase | 5.625% | 5.779% | $8.24 |
| 10 Year Jumbo Purchase | 5.750% | 5.969% | $10.98 |
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.
Fixed Rate Construction*
Effective 10/06/2022
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| Product | INTEREST RATE | APR | PAYMENT / $1000 |
|---|---|---|---|
| 30 Year | 6.375% | 6.600% | $6.24 |
| 20 Year | 6.000% | 6.253% | $7.16 |
| 15 Year | 5.625% | 5.904% | $8.24 |
| Land Loan | 7.500% | 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.
Home Equity*
Effective 10/06/2022
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| Product | INTEREST RATE | APR | PAYMENT / $1000 |
|---|---|---|---|
| 6-Month Introductory Rate Home Equity Line** | 2.99% for 6 months then Prime minus .50% for life of loan*** | 5.75% | $3.33 |
| 5 YR Home Equity Loan | 4.740% | 4.740% | $18.75 |
| 10 YR Home Equity Loan | 4.990% | 4.990% | $10.60 |
| 15 YR Home Equity Loan | 5.490% | 5.490% | $8.17 |
| 20 YR Home Equity Loan | 5.740% | 5.740% | $7.02 |
*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 80% Combined Loan to Value (CLTV) may have higher rates and terms and require PMI. Property insurance required.
**Annual Percentage Rates (APR) accurate as of 9/23/22. The introductory APR of 2.99% 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 and with an existing or new CareChecking 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 80% 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 6.250% (updated as of 9/21/22)
Certificates of Deposit (CDs)*
Effective 08/30/2022
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| Product | INTEREST RATE | APY | MINIMUM OPENING DEPOSIT |
|---|---|---|---|
| 24-Month Step-Up CD/IRA** | 1.98% for the first 8 months 2.23% for the next 8 months 2.47% for the next 8 months | 2.00% for the first 8 months 2.25% for the next 8 months 2.50% for the next 8 months 2.25% Blended | $500.00 |
| 3-Month CD/IRA | 0.20% | 0.20% | $500.00 |
| 6-Month CD/IRA | 0.25% | 0.25% | $500.00 |
| 1-Year CD/IRA | 0.30% | 0.30% | $500.00 |
| 2-Year CD/IRA | 0.35% | 0.35% | $500.00 |
| 5-Year CD/IRA | 0.50% | 0.50% | $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 July 14, 2022. Certificates of Deposit (CDs) are FDIC insured and offer a fixed rate of return if held to maturity. Blended APY assumes principal and interest remain on deposit for the full term of the certificate. Interest is compounded daily and credited every month. $500 minimum deposit to open. Minimum balance to earn APY is $0.01. Current Fidelity Bank clients are eligible to transfer up to 50% of the total deposit, not to exceed $250,000., from another Fidelity Bank account. Penalty will be imposed for early withdrawal. Fees could reduce earning on the account. Limit one account per tax reported owner. Personal accounts only. Promotional offer subject to change or cancellation at any time.
Savings Accounts*
Effective 08/30/22
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| Product | INTEREST RATE | APY | INTEREST TIERS | MINIMUM OPENING DEPOSIT |
|---|---|---|---|---|
| EarnMore Savings Promotion†| 1.49% 1.49%-0.10% | 1.50% 1.50%-0.10% | $0.01-$500,000. $500,000.01 and above | $5,000.00 (Offer available only for new funds)†|
| LifeDesign Statement Savings | 0.02% | 0.02% | $0.01 and above | $10.00 |
| Companion Savings** | 0.01% 0.02% 0.03% | 0.01% 0.01%-0.02%*** 0.01%-0.03%*** | $0.01-75,000.00 $75,000.01-200,000.00 $200,000.01 and above | $25.00 |
| CompleteCare Companion Savings** | 0.04% | 0.04% | $0.01 and above | $25.00 |
| Growth Savings** | 0.40% 0.04% | 0.40% 0.40%-0.04%*** | $0.01 – $300.00 $300.01 and above | $10.00 |
| Save4Life | 0.02% | 0.02% | $0.01 and above | $10.00 |
*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 5/2/22, is guaranteed until December 31, 2022, and is subject to change thereafter. 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 during the promotional period (now through December 31, 2022) must be new funds to Fidelity Bank. No transfers from other Fidelity Bank accounts allowed. No withdrawals can be made on the account within the first six business days after account opening. The APY for the EarnMore Savings Account as of 5/2/22 is 1.5%, for balances up to $500,000. APY is 1.50% – 0.10% for balances $500,000.01 and over. Rate is blended. APY and APY tiers are subject to change after promotional period. Limit one account per tax reported owner. Personal accounts only. The minimum balance to earn interest is $0.01. Promotional offer subject to change or cancellation at any time.Â
