What are the current interest rates at Fidelity Bank & Trust (IA)?

Current rates for Fidelity Bank & Trust (IA) include: 12-Month CD: 2.31%, 18-Month CD: 2.36%, 24-Month CD: 2.41%, 36-Month CD: 2.57%, 48-Month CD: 2.67%, 60-Month CD: 2.77%, Savings: 5.12%, MMA: 0.55%

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Fidelity Bank & Trust (IA) Rates & Review November 2026

Q: What CD terms does Fidelity Bank & Trust (IA) offer?

Fidelity Bank & Trust (IA) CD rates are 2.31% APY for a 12 month CD, 4.20% APY for a 13 month CD, 2.36% APY for an 18 month CD, 4.50% APY for a 21 month CD, 2.41% APY for a 2 year CD, 2.82% APY for a 3 year CD, 2.92% APY for a 4 year CD and 3.02% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Fidelity Bank & Trust (IA) for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Fidelity Bank & Trust (IA)'s 21-Month CD rates are at 4.50%, 13-Month CD rates are at 4.20%, 60-Month CD rates are at 3.02%, 48-Month CD rates are at 2.92%, 36-Month CD rates are at 2.82%. Fidelity Bank & Trust (IA)'s savings rates are at 5.12%. Fidelity Bank & Trust (IA)'s money market rates are at 0.55%. Fidelity Bank & Trust (IA)'s 7/5 Adjustable Rate Mortgage (ARM) rates are at 6.55%, 15 Year Fixed Mortgage rates are at 6.50%, 20 Year Fixed Mortgage rates are at 6.625%, 30 Year Fixed Mortgage rates are at 6.875%. Fidelity Bank & Trust (IA)'s top CD rate of 4.50% APY on a 21 month CD is 53% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Fidelity Bank & Trust (IA) with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.05%. Rates last updated and verified on 11/05/2026.

Fidelity Bank & Trust (IA) money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Fidelity Bank & Trust (IA)? Share your experience about Fidelity Bank & Trust (IA) by leaving a review below, or read customer reviews before you decide to use Fidelity Bank & Trust (IA).

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.05%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Fidelity Bank & Trust

4250 Asbury Rd
Dubuque, IA 52002

https://www.bankfidelity.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Fidelity Bank & Trust (IA) CD Rates

Product	Rate	APY	Term
21-Month CD	4.45%	4.50%	21 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
21-Month CD	4.45%	4.50%	21 Month
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
21-Month CD	4.45%	4.50%	21 Month
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
21-Month CD	4.45%	4.50%	21 Month
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
21-Month CD	4.45%	4.50%	21 Month
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
13-Month CD	4.15%	4.20%	13 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
13-Month CD	4.15%	4.20%	13 Month
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
13-Month CD	4.15%	4.20%	13 Month
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
13-Month CD	4.15%	4.20%	13 Month
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
13-Month CD	4.15%	4.20%	13 Month
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
60-Month CD	3.00%	3.02%	60 Month
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
48-Month CD	2.90%	2.92%	48 Month
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.92% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
36-Month CD	2.80%	2.82%	36 Month
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.82% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
60-Month CD	2.75%	2.77%	60 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.77% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
60-Month CD	2.75%	2.77%	60 Month
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.77% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
60-Month CD	2.75%	2.77%	60 Month
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.77% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
60-Month CD	2.75%	2.77%	60 Month
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.77% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30-Month CD	2.70%	2.72%	30 Month
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.72% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
24-Month CD	2.65%	2.67%	24 Month
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 11/05/2026 Rate History 2 changes since Oct 2, 2026 · 4.25% → 2.67% ▼ 1.58 pts · high 4.50% / low 2.67% Nov 5, 20262.67%▼ from 4.50% Oct 14, 20264.50%▲ from 4.25% Oct 2, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
48-Month CD	2.65%	2.67%	48 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.67% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
48-Month CD	2.65%	2.67%	48 Month
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.67% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
48-Month CD	2.65%	2.67%	48 Month
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.67% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
48-Month CD	2.65%	2.67%	48 Month
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.67% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
18-Month CD	2.60%	2.62%	18 Month
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 11/05/2026 Rate History 3 changes since Sep 18, 2026 · 2.62% → 2.62% ▼ 0.00 pts · high 4.30% / low 2.62% Nov 5, 20262.62%▼ from 4.30% Oct 14, 20264.30%▲ from 4.10% Oct 2, 20264.10%▲ from 2.62% Sep 18, 20262.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
12-Month CD	2.55%	2.57%	12 Month
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 11/05/2026 Rate History 3 changes since Sep 18, 2026 · 2.57% → 2.57% ▼ 0.00 pts · high 4.10% / low 2.57% Nov 5, 20262.57%▼ from 4.10% Oct 14, 20264.10%▲ from 4.00% Oct 2, 20264.00%▲ from 2.57% Sep 18, 20262.57%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
36-Month CD	2.55%	2.57%	36 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.57% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
36-Month CD	2.55%	2.57%	36 Month
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.57% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
36-Month CD	2.55%	2.57%	36 Month
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.57% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
36-Month CD	2.55%	2.57%	36 Month
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.57% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30-Month CD	2.45%	2.47%	30 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.47% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30-Month CD	2.45%	2.47%	30 Month
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.47% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30-Month CD	2.45%	2.47%	30 Month
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.47% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30-Month CD	2.45%	2.47%	30 Month
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Penalty: loss of 365 days interest Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.47% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
24-Month CD	2.40%	2.41%	24 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 11/05/2026 Rate History 2 changes since Oct 2, 2026 · 4.25% → 2.41% ▼ 1.84 pts · high 4.50% / low 2.41% Nov 5, 20262.41%▼ from 4.50% Oct 14, 20264.50%▲ from 4.25% Oct 2, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
24-Month CD	2.40%	2.41%	24 Month
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 11/05/2026 Rate History 2 changes since Oct 2, 2026 · 4.25% → 2.41% ▼ 1.84 pts · high 4.50% / low 2.41% Nov 5, 20262.41%▼ from 4.50% Oct 14, 20264.50%▲ from 4.25% Oct 2, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
24-Month CD	2.40%	2.41%	24 Month
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99 Last Updated 11/05/2026 Rate History 2 changes since Oct 2, 2026 · 4.25% → 2.41% ▼ 1.84 pts · high 4.50% / low 2.41% Nov 5, 20262.41%▼ from 4.50% Oct 14, 20264.50%▲ from 4.25% Oct 2, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
24-Month CD	2.40%	2.41%	24 Month
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 11/05/2026 Rate History 2 changes since Oct 2, 2026 · 4.25% → 2.41% ▼ 1.84 pts · high 4.50% / low 2.41% Nov 5, 20262.41%▼ from 4.50% Oct 14, 20264.50%▲ from 4.25% Oct 2, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
18-Month CD	2.35%	2.36%	18 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 11/05/2026 Rate History 3 changes since Sep 18, 2026 · 2.36% → 2.36% ▼ 0.00 pts · high 4.30% / low 2.36% Nov 5, 20262.36%▼ from 4.30% Oct 14, 20264.30%▲ from 4.10% Oct 2, 20264.10%▲ from 2.36% Sep 18, 20262.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
18-Month CD	2.35%	2.36%	18 Month
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 11/05/2026 Rate History 3 changes since Sep 18, 2026 · 2.36% → 2.36% ▼ 0.00 pts · high 4.30% / low 2.36% Nov 5, 20262.36%▼ from 4.30% Oct 14, 20264.30%▲ from 4.10% Oct 2, 20264.10%▲ from 2.36% Sep 18, 20262.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
18-Month CD	2.35%	2.36%	18 Month
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99 Last Updated 11/05/2026 Rate History 3 changes since Sep 18, 2026 · 2.36% → 2.36% ▼ 0.00 pts · high 4.30% / low 2.36% Nov 5, 20262.36%▼ from 4.30% Oct 14, 20264.30%▲ from 4.10% Oct 2, 20264.10%▲ from 2.36% Sep 18, 20262.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
18-Month CD	2.35%	2.36%	18 Month
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 11/05/2026 Rate History 3 changes since Sep 18, 2026 · 2.36% → 2.36% ▼ 0.00 pts · high 4.30% / low 2.36% Nov 5, 20262.36%▼ from 4.30% Oct 14, 20264.30%▲ from 4.10% Oct 2, 20264.10%▲ from 2.36% Sep 18, 20262.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
12-Month CD	2.30%	2.31%	12 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 11/05/2026 Rate History 3 changes since Sep 18, 2026 · 2.31% → 2.31% ▼ 0.00 pts · high 4.10% / low 2.31% Nov 5, 20262.31%▼ from 4.10% Oct 14, 20264.10%▲ from 4.00% Oct 2, 20264.00%▲ from 2.31% Sep 18, 20262.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
12-Month CD	2.30%	2.31%	12 Month
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 11/05/2026 Rate History 3 changes since Sep 18, 2026 · 2.31% → 2.31% ▼ 0.00 pts · high 4.10% / low 2.31% Nov 5, 20262.31%▼ from 4.10% Oct 14, 20264.10%▲ from 4.00% Oct 2, 20264.00%▲ from 2.31% Sep 18, 20262.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
12-Month CD	2.30%	2.31%	12 Month
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99 Last Updated 11/05/2026 Rate History 3 changes since Sep 18, 2026 · 2.31% → 2.31% ▼ 0.00 pts · high 4.10% / low 2.31% Nov 5, 20262.31%▼ from 4.10% Oct 14, 20264.10%▲ from 4.00% Oct 2, 20264.00%▲ from 2.31% Sep 18, 20262.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
12-Month CD	2.30%	2.31%	12 Month
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 11/05/2026 Rate History 3 changes since Sep 18, 2026 · 2.31% → 2.31% ▼ 0.00 pts · high 4.10% / low 2.31% Nov 5, 20262.31%▼ from 4.10% Oct 14, 20264.10%▲ from 4.00% Oct 2, 20264.00%▲ from 2.31% Sep 18, 20262.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
182 Day CD	1.95%	1.96%	182 Day
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.96% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
91 Day CD	1.95%	1.96%	91 Day
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.96% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
182 Day CD	1.70%	1.71%	182 Day
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
182 Day CD	1.70%	1.71%	182 Day
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
182 Day CD	1.70%	1.71%	182 Day
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
182 Day CD	1.70%	1.71%	182 Day
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
91 Day CD	1.70%	1.71%	91 Day
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
91 Day CD	1.70%	1.71%	91 Day
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
91 Day CD	1.70%	1.71%	91 Day
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
91 Day CD	1.70%	1.71%	91 Day
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%

Fidelity Bank & Trust (IA) Savings Rates

Product	Rate	APY
Snap $tack Savings	5.00%	5.12%
Min Deposit $50 Min Balance $50 Details Qualifications Required; Balance: $0 - $5,000.00; Qualifying balance up to $5,000.00 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 5.12% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
IRA Preferred Rate Savings	2.75%	2.78%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.78% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
IRA Savings	2.50%	2.52%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.52% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Christmas Club	2.50%	2.50%
Min Balance $0 Details Balance: $0 - $15,000; Club Accounts Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
IRA Preferred Rate Savings	2.00%	2.02%
Min Deposit $50,000 Min Balance $0 Details Balance: $0.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.02% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
IRA Savings	2.00%	2.02%
Min Deposit $50 Min Balance $0 Details Balance: $0.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.02% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.25%	0.25%
Min Deposit $25 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Deposit $50 Min Balance $0 Details Balance: $0 to $99,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Deposit $50 Min Balance $500,000 Details Balance: $500,000.00 to $999,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Deposit $50 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.15%	0.15%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000.00 to $999,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.10%	0.10%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: $0 to $99,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.05%	0.05%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.05%	0.05%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 and Over; Minimum to open: $25 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%

Fidelity Bank & Trust (IA) Money Market Rates

Product	Rate	APY
Money Market	0.55%	0.55%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Money Market rates are for Consumer and Business accounts; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Money Market	0.45%	0.45%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 to $999,999.99; Money Market rates are for Consumer and Business accounts; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99; Money Market rates are for Consumer and Business accounts; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Money Market	0.20%	0.20%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Money Market	0.15%	0.15%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99; Money Market rates are for Consumer and Business accounts; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 to $99,999.99; Money Market rates are for Consumer and Business accounts; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%

Fidelity Bank & Trust (IA) Mortgage Rates

Product	Rate	Points	APR	Term
7/5 Adjustable Rate Mortgage (ARM)	6.55%	-	6.669%
Details Minimum 15% down payment with no PMI; may be amortized up to 30 years; rates effective as of 11/05/2026 with 60-day rate lock Last Updated 11/05/2026 Rate History 8 changes since Sep 15, 2026 · 6.40% → 6.67% ▲ 0.27 pts · high 6.93% / low 6.40% Nov 5, 20266.67%▲ from 6.65% Oct 31, 20266.65%▼ from 6.82% Oct 26, 20266.82%▼ from 6.90% Oct 14, 20266.90%▼ from 6.93% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
15 Year Fixed Mortgage	6.50%	-	6.711%	15 years
Details Effective 11/05/2026; 45-day rate lock; Monthly Payment Example $2,187.92; Loan scenario: purchase, $250,000, 25% down, 780+ credit score Last Updated 11/05/2026 Rate History 7 changes since Sep 15, 2026 · 6.59% → 6.71% ▲ 0.13 pts · high 7.09% / low 6.59% Nov 5, 20266.71%▼ from 6.71% Oct 31, 20266.71%▲ from 6.71% Oct 26, 20266.71%▼ from 6.84% Oct 20, 20266.84%▲ from 6.59% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
15 Year Fixed Mortgage	6.50%	-	6.743%
Details Minimum 15% down payment with no PMI; may be amortized up to 15 years; rates effective as of 11/05/2026 with 60-day rate lock Last Updated 11/05/2026 Rate History 4 changes since Sep 24, 2026 · 6.59% → 6.74% ▲ 0.15 pts · high 7.22% / low 6.59% Nov 5, 20266.74%▼ from 7.22% Oct 14, 20267.22%▲ from 7.09% Oct 1, 20267.09%▼ from 7.09% Sep 27, 20267.09%▲ from 6.59% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
20 Year Fixed Mortgage	6.625%	-	6.796%	20 years
Details Effective 11/05/2026; 45-day rate lock; Monthly Payment Example $1,883.04; Loan scenario: purchase, $250,000, 25% down, 780+ credit score Last Updated 11/05/2026 Rate History 5 changes since Sep 15, 2026 · 7.05% → 6.80% ▼ 0.25 pts · high 7.42% / low 6.80% Oct 31, 20266.80%▼ from 7.05% Oct 26, 20267.05%▲ from 7.05% Oct 20, 20267.05%▼ from 7.42% Oct 7, 20267.42%▲ from 7.03% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30 Year Fixed Mortgage	6.875%	-	7.007%	30 years
Details Effective 11/05/2026; 45-day rate lock; Monthly Payment Example $1,642.93; Loan scenario: purchase, $250,000, 25% down, 780+ credit score Last Updated 11/05/2026 Rate History 6 changes since Sep 15, 2026 · 7.13% → 7.01% ▼ 0.13 pts · high 7.51% / low 7.01% Oct 31, 20267.01%▼ from 7.13% Oct 26, 20267.13%▼ from 7.26% Oct 20, 20267.26%▼ from 7.51% Oct 7, 20267.51%▲ from 7.13% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%

Fidelity Bank & Trust (IA) Other Rates

Product	Rate	Points	APY/APR
Construction Loan	6.25%	-	6.678%
Details Rates effective as of 11/02/2026; 60-day rate lock; loan scenario: owner-occupied single family construction, $500,000 loan amount, 20% down, 12-month term, 650+ credit score; monthly interest only payment example $1,302.08 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 6.38% → 6.68% ▲ 0.30 pts · high 6.68% / low 6.38% Nov 5, 20266.68%▲ from 6.38% Sep 27, 20266.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Home Construction Rate Loan	-	-	6.678%
Details APR based on average loan amount of $500,000.00. Rate is subject to change. Last Updated 11/05/2026 Rate History 1 change since Sep 24, 2026 · 6.38% → 6.68% ▲ 0.30 pts · high 6.68% / low 6.38% Nov 5, 20266.68%▲ from 6.38% Sep 24, 20266.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Business Interest	0.10%	-	0.10%
Min Balance $0 Details Balance: $0 to $99,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Business Interest	0.15%	-	0.15%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Business Interest	0.20%	-	0.20%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Business Interest	0.35%	-	0.35%
Min Balance $500,000 Details Balance: $500,000.00 to $999,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Business Interest	0.45%	-	0.45%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
College Fund CD	3.50%	-	3.53%
Min Deposit $25 Min Balance $500 Details Balance: $500.00 - $99,999.99; $25 minimum to open Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.53% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Hometown HYPE	2.01%	-	2.03%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Balance: $0 - $50,000.00; Qualifying balance up to $50,000.00; If qualifications are not met, the interest rate and APY will be 0.05%; Balances above $50,000.01 earn 0.05% APY Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.03% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Hometown Interest	0.05%	-	0.05%
Min Deposit $50 Min Balance $0 Details Balance: $0 - $49,999; Minimum to open: $50 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Hometown Interest	0.05%	-	0.05%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000 and Over; Minimum to open: $50 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Hometown Interest	0.05%	-	0.05%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Hometown Interest	0.10%	-	0.10%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Hometown Interest	0.15%	-	0.15%
Min Balance $500,000 Details Balance: $500,000.00 to $999,999.99; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Hometown Interest	0.20%	-	0.20%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Checking & Savings Rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
HYPE Xtreme	3.06%	-	3.10%
Min Deposit $50,000 Min Balance $0 Details Qualifications Required; Balance: $0 - $1,000,000.00 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85% Oct 20, 20263.10%▲ from 2.85% Sep 18, 20262.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Fidelity Bank & Trust (IA)’s Texas Ratio rose from 1.72% in Q3 2023 to 12.05% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.6B	12.05%	5.0	A
March 31, 2026	$2.6B	9.69%	5.0	A
December 31, 2025	$2.5B	5.76%	5.0	A+
September 30, 2025	$2.1B	4.76%	5.0	A+
June 30, 2025	$2.0B	7.67%	5.0	A
March 31, 2025	$2.0B	6.55%	5.0	A
December 31, 2024	$2.0B	5.23%	5.0	A+
September 30, 2024	$1.9B	4.86%	5.0	A+
June 30, 2024	$1.9B	5.84%	5.0	A+
March 31, 2024	$1.9B	3.00%	5.0	A+
December 31, 2023	$1.9B	2.44%	5.0	A+
September 30, 2023	$1.8B	1.72%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Fidelity Bank & Trust (IA) is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Fidelity Bank & Trust (IA) rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Fidelity Bank & Trust (IA)'s official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Fidelity Bank & Trust (IA)

Website https://www.bankfidelity.bank

Address 4250 Asbury Rd, Dubuque, IA 52002 · Dubuque

Bank Holding Company FIDELITY CO

FDIC Certificate # 14382

Regulator FDIC

Established April 20, 1910

FDIC Insurance Date May 19, 1934

Domestic Offices 36

Total Branches 36

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.05%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.2993%

Return on Equity (ROE)

12.7200%

Non-Performing Loans Ratio (NPL)

0.93%

Total Assets

$2,603,348,000

Total Deposits

$2,131,878,000

Equity Capital

$268,381,000

Net Income

$16,687,000

Headquarters

Dubuque

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Fidelity Bank & Trust (IA) earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Fidelity Bank & Trust (IA)

Does Fidelity Bank & Trust (IA) offer CDs?

Yes. Fidelity Bank & Trust (IA) current CD rates include its 21-Month CD at 4.50% APY, its 13-Month CD at 4.20% APY and its 60-Month CD at 3.02% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Fidelity Bank & Trust (IA) FDIC insured?

Yes. Fidelity Bank & Trust (IA) is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Fidelity Bank & Trust (IA)?

The highest Fidelity Bank & Trust (IA) CD rate is its 21-Month CD at 4.50% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Fidelity Bank & Trust (IA) offer?

Fidelity Bank & Trust (IA) CD rates are 2.31% APY for a 12 month CD, 4.20% APY for a 13 month CD, 2.36% APY for an 18 month CD, 4.50% APY for a 21 month CD, 2.41% APY for a 2 year CD, 2.82% APY for a 3 year CD, 2.92% APY for a 4 year CD and 3.02% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Fidelity Bank & Trust (IA) for its full lineup.

What is the highest savings rate at Fidelity Bank & Trust (IA)?

The highest Fidelity Bank & Trust (IA) savings rate is its Snap $tack Savings at 5.12% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Fidelity Bank & Trust (IA)?

The highest Fidelity Bank & Trust (IA) money market rate is its Money Market at 0.55% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Fidelity Bank & Trust (IA)?

The lowest Fidelity Bank & Trust (IA) 30 year fixed mortgage rate is its 30 Year Fixed Mortgage at 6.875%, verified by MonitorBankRates as of November 5, 2026. Fidelity Bank & Trust (IA) mortgage rates are 6.875% for a 30 year mortgage, 6.625% for a 20 year mortgage and 6.50% for a 15 year mortgage.

How many branches does Fidelity Bank & Trust (IA) operate?

Fidelity Bank & Trust (IA) currently maintains approximately 36 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Fidelity Bank & Trust (IA) does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Fidelity Bank & Trust (IA) provides members with tools to manage their accounts and build a solid financial history.

Does Fidelity Bank & Trust (IA) offer online and mobile banking?

Most modern institutions like Fidelity Bank & Trust (IA) provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankfidelity.bank.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Fidelity Bank & Trust (IA) rates compare?

Fidelity Bank & Trust (IA)'s top CD rate of 4.50% APY on a 21 month CD is 53% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A health rating. Fidelity Bank & Trust (IA)'s top rates are its 21-Month CD at 4.50% APY, its Snap $tack Savings at 5.12% APY, its Money Market at 0.55% APY and its 15 Year Fixed Mortgage at 6.50%, verified by MonitorBankRates on November 5, 2026.

Current Fidelity Bank & Trust (IA) Rates

12-Month CD2.31%
18-Month CD2.36%
24-Month CD2.41%
36-Month CD2.57%
48-Month CD2.67%
60-Month CD2.77%
Savings5.12%
MMA0.55%

Retrieved from our database of financial products. Rates subject to change.

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Fidelity Bank & Trust (IA) Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Fidelity Bank & Trust (IA) Texas Ratio

Fidelity Bank & Trust (IA) Health Trend

Fidelity Bank & Trust (IA) CD Rates

Fidelity Bank & Trust (IA) Savings Rates

Fidelity Bank & Trust (IA) Money Market Rates

Fidelity Bank & Trust (IA) Mortgage Rates

Fidelity Bank & Trust (IA) Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Fidelity Bank & Trust (IA) earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Fidelity Bank & Trust (IA)

Does Fidelity Bank & Trust (IA) offer CDs?

Are CDs from Fidelity Bank & Trust (IA) FDIC insured?

What is the highest CD rate at Fidelity Bank & Trust (IA)?

What CD terms does Fidelity Bank & Trust (IA) offer?

What is the highest savings rate at Fidelity Bank & Trust (IA)?

What is the highest money market rate at Fidelity Bank & Trust (IA)?

What is the lowest 30 year fixed mortgage rate at Fidelity Bank & Trust (IA)?

How many branches does Fidelity Bank & Trust (IA) operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Fidelity Bank & Trust (IA) offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Fidelity Bank & Trust (IA) rates compare?

Current Fidelity Bank & Trust (IA) Rates

Compare to Other Banks