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Deposit Account rates effective as of Tuesday, July 7, 2026. Rates are subject to change at any time.
| Product | Annual Percentage Yield (APY) | Plus Spending APY2 | Premier Spending APY2 |
|---|---|---|---|
| 91-Day CD3 Open Now → | 3.20% | 3.23% | 3.25% |
| 6-Month CD/IRA Open Now → | 3.15% | 3.18% | 3.20% |
| 9-Month CD/IRA Open Now → | 3.20% | 3.23% | 3.25% |
| 12-Month CD/IRA Open Now → | 3.20% | 3.23% | 3.25% |
| 18-Month CD/IRA Open Now → | 3.00% | 3.03% | 3.05% |
| 24-Month CD/IRA Open Now → | 3.00% | 3.03% | 3.05% |
| 36-Month CD/IRA Open Now → | 3.00% | 3.03% | 3.05% |
| 48-Month CD/IRA Open Now → | 2.75% | 2.78% | 2.80% |
| 60-Month CD/IRA Open Now → | 2.75% | 2.78% | 2.80% |
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).
| Account | Annual Percentage Yield (APY) | Minimum Daily Balance to Earn APY | Minimum Balance to Open |
|---|---|---|---|
| Primary Savings Open Now → | 0.02% | $10 and above | $10 |
| Premier Savings2 Open Now → | 2.75% | $10 and above | $5,000 |
| Growth Savings3 | 0.95% | $10 and above | $10 |
| 18/65 Savings4 Open Now → | 0.02% | $10 and above | $10 |
| Retirement Savings (IRA) | 0.02% | $10 and above | $10 |
| Retirement Premier Savings (IRA)2 | 2.75% | $10 and above | $5,000 |
1 Please see our Terms & Conditions, Truth-In-Savings Disclosures, Fee Schedule, and current rates for more detail. Rate may change after opening. 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.
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.
| Account | Annual Percentage Yield (APY) | Minimum Daily Balance to Earn APY | Minimum Balance to Open |
|---|---|---|---|
| Primary Money Market Open Now → | 0.01% 0.02% 0.04% | $10-$9,999.99 $10,000-$24,999.99 $25,000 and above | $2,500 |
| Plus Money Market2 Open Now → | 0.04% 0.05% 0.07% | $10-$9,999.99 $10,000-$24,999.99 $25,000 and above | $2,500 |
| Premier Money Market3 Open Now → | 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. Rate may change after opening. 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.
| Loan Type | Term | Minimum Amount | Maximum Amount | Annual Percentage Rate (APR) | Payments in Dollar per Thousand |
|---|---|---|---|---|---|
| Home Equity Lines and Loans | |||||
| Home Equity Line of Credit Apply Now → | 10 year draw period, 20 year repayment* | $10,000 | $400,000 | 6.75%** | Payments vary based on outstanding balance |
| Home Equity Loan Apply Now → | 10 Years | $10,000 | $400,000 | 6.875% | 120 monthly payments of $11.55 per $1,000 advanced at 6.875% APR† |
| † Payment example does not include taxes or insurance premiums. Actual payment obligation may be greater. | |||||
| Personal Unsecured Loans | |||||
| Personal Overdraft Line of Credit | N/A | $500 (advances in $50 increments) | $2,500 | 17.00% | Payments vary based on outstanding balance |
| Unsecured Personal Loan | 36 months | $1,000 | $5,000 | 13.75% | 36 monthly payments of $34.05 per $1,000 advanced at 13.75% APR |
*Interest-only payments during draw period.
**Annual Percentage Rate – Wall Street Journal Prime Rate +0.00%. Annual Percentage Rate will never be more than 18.000% or less than 3.00%. This is a variable rate product. Property insurance is required. Additional discounts may be available subject to underwriting guidelines. An annual fee of $50 will be assessed, which is waived for Premier Spending relationship customers. An early termination fee of $750 will apply if the line is terminated within the first 24 months. You also must pay certain fees to third parties. These fees generally total between $0 and $2500. If you ask, we will give you an itemization of the fees you will have to pay to third parties.
