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Effective 5/16/25
| Product | Annual Percentage Yield (APY) | Plus Spending APY2 | Premier Spending APY2 |
|---|---|---|---|
| 5-Month CD Special3 | 3.90% | 3.93% | 3.95% |
| 7-Month CD/IRA Special3 | 3.90% | 3.93% | 3.95% |
| 11-Month CD/IRA Special3 | 3.85% | 3.88% | 3.90% |
| 19-Month CD/IRA Special3 | 3.75% | 3.78% | 3.80% |
| 25-Month CD Special3 | 3.50% | 3.53% | 3.55% |
| 91-Day CD/IRA4 | 0.70% | 0.73% | 0.75% |
| 6-Month CD/IRA | 0.75% | 0.78% | 0.80% |
| 12-Month CD/IRA | 0.80% | 0.83% | 0.85% |
| 24-Month CD/IRA | 0.85% | 0.88% | 0.90% |
| 60-Month CD/IRA | 1.00% | 1.03% | 1.05% |
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 Special offer is not valid to existing funds on deposit at the bank and is limited only to funds that are new to Fidelity Bank.
4 There is one penalty–free withdrawal per term for any 91 day CD/IRA (only after the first six days of a deposit’s term). Minimum balance to open 91-Day IRA is $500 and may be opened with $25 when electronic deposits are established.
Effective 5/16/25
| Account | Annual Percentage Yield (APY) | Minimum Daily Balance to Earn APY | Minimum Balance to Open |
|---|---|---|---|
| Primary Savings | 0.25% | $10 and above | $10 |
| Premier Savings2 | 3.40% 1.75% | $10-$999,999.99 $1,000,000 and above | $5,000 |
| Growth Savings3 | 0.95% | $10 and above | $10 |
| 18/65 Savings4 | 0.02% | $10 and above | $10 |
| Retirement Savings (IRA) | 0.25% | $10 and above | $10 |
| Retirement Premier Savings (IRA)2 | 3.40% 1.75% | $10-$999,999.99 $1,000,000 and above | $5,000 |
1 Please see our Terms & Conditions, Truth-In-Savings Disclosures, Fee Schedule, and current rates for more detail. All rates are subject to change without notice. Fees may reduce the earnings on these accounts. Personal accounts only.
2 Premier Savings and Retirement Premier Savings accounts must be opened with a minimum of $5,000 in new funds not already on deposit with Fidelity Bank. The fixed rate construction and home equity anchors are a bit off.
3 To qualify for Growth Savings child must be 18 years old or younger.
4 To qualify for 18/65 Savings you must be under the age of 19 or age 65 and older.
Effective 5/16/25
| Account | Annual Percentage Yield (APY) | Minimum Daily Balance to Earn APY | Minimum Balance to Open |
|---|---|---|---|
| Primary Money Market | 0.01% 0.02% 0.04% | $10-$9,999.99 $10,000-$24,999.99 $25,000 and above | $2,500 |
| Plus Money Market2 | 0.04% 0.05% 0.07% | $10-$9,999.99 $10,000-$24,999.99 $25,000 and above | $2,500 |
| Premier Money Market3 | 0.07% 0.09% | $10-$24,999.99 $25,000 and above | $2,500 |
| Retirement Money Market (IRA) | 0.01% 0.02% 0.04% | $10-$9,999.99 $10,000-$24,999.99 $25,000 and above | $10 |
1 Please see our Terms & Conditions, Truth-In-Savings Disclosures, Fee Schedule, and current rates for more detail. All rates are subject to change without notice. Fees may reduce the earnings on these accounts. Personal accounts only.
2 Plus Money Market account available exclusively to Plus Spending relationship clients.
3 Premier Money Market account available exclusively to Premier Spending relationship clients.
Effective 5/21/2025
| Product | Interest Rate | APR | Payment/$1000 |
|---|---|---|---|
| 30 Year | 7.125% | 7.315% | $6.74 |
| 30 Year – 1 Point | 6.875% | 7.164% | $6.57 |
| 20 Year | 7.000% | 7.245% | $7.75 |
| 15 Year | 6.375% | 6.675% | $8.64 |
| 10 Year | 6.375% | 6.798% | $11.29 |
| 30 Year Jumbo | 7.375% | 7.568% | $6.91 |
| 20 Year Jumbo | 7.250% | 7.498% | $7.90 |
| 15 Year Jumbo | 6.625% | 6.927% | $8.78 |
| 10 Year Jumbo | 6.625% | 7.050% | $11.42 |
Effective 5/21/2025
| Product | Interest Rate | APR | Payment/$1000 |
|---|---|---|---|
| 30 Year | 7.375% | 7.698% | $6.91 |
| 20 Year | 7.250% | 7.657% | $7.90 |
| 15 Year | 6.625% | 7.121% | $8.78 |
| 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.
Effective 5/21/2025
| Product | Interest Rate | APR | Payment/$1000 |
|---|---|---|---|
| 6-Month Introductory Rate Home Equity Line** | 5.99% for 6 months then Prime minus .50% for life of loan*** | 7.000% | $3.33 |
| 5 YR Home Equity Loan | 6.740% | 6.740% | $19.68 |
| 10 YR Home Equity Loan | 6.990% | 6.990% | $11.61 |
| 15 YR Home Equity Loan | 7.490% | 7.490% | $9.26 |
| 20 YR Home Equity Loan | 8.000% | 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 9/19/2024. 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 7.500% (updated as of 12/19/2024)
Routing # 211370707 | NMLS # 452347 | Phone: 800.581.5363
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