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

Current rates for Fidelity Bank & Trust (IA) include: 12-Month CD: 4.30%, 18-Month CD: 4.30%, 24-Month CD: 4.30%, 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)

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

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Fidelity Bank & Trust (IA)'s top rates as of October 7, 2026 are 4.30% APY on its 12-Month Certificate, 5.12% APY on savings, 0.55% APY on money market accounts, and 6.81% on its 7/5 Adjustable Rate Mortgage (ARM), according to rates verified by MonitorBankRates. Other Fidelity Bank & Trust (IA) CD rates include 18-Month Certificate at 4.30%, 24-Month Certificate at 4.30%, and 60-Month Certificate at 3.02%. Other Fidelity Bank & Trust (IA) mortgage rates include 15 Year Fixed Mortgage at 6.875%, 20 Year Fixed Mortgage at 7.25%, and 30 Year Fixed Mortgage at 7.375%. 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 10/07/2026.

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 Q2 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
12 Month Certificate	4.25%	4.30%	12 Month
Details $500 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
18 Month Certificate	4.25%	4.30%	18 Month
Details $500 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
24 Month Certificate	4.25%	4.30%	24 Month
Details $500 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
60 Month Certificate	3.00%	3.02%	60 Month
Details $1,000,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
48 Month Certificate	2.90%	2.92%	48 Month
Details $1,000,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
36 Month Certificate	2.80%	2.82%	36 Month
Details $1,000,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
60 Month Certificate	2.75%	2.77%	60 Month
Details $500 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.77% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30 Month Certificate	2.70%	2.72%	30 Month
Details $1,000,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.72% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
48 Month Certificate	2.65%	2.67%	48 Month
Details $500 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.67% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
36 Month Certificate	2.55%	2.57%	36 Month
Details $500 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.57% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30 Month Certificate	2.45%	2.47%	30 Month
Details $500 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.47% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
182 Day Certificate	1.95%	1.96%	182 Day
Details $1,000,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
91 Day Certificate	1.95%	1.96%	91 Day
Details $1,000,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
182 Day Certificate	1.70%	1.71%	182 Day
Details $500 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
91 Day Certificate	1.70%	1.71%	91 Day
Details $500 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.71% APY · checked 2 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 $0 Details Balance: $0 - $5,000.00* Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.12% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 2.78% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 2.52% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 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 10/07/2026 Rate History No change since Sep 18, 2026 · 2.02% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.25%	0.25%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Balance $0 Details Balance: $0.00 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Balance $500,000 Details Balance: $500,000.00 to $999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.15%	0.15%
Min Balance $500,000 Details Balance: $500,000.00 to $999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.10%	0.10%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 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 - $49,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Snap $tack Savings	0.05%	0.05%
Min Deposit $50 Min Balance $5,000 Details Balance: $5,000.01 and up Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Money Market	0.45%	0.45%
Min Balance $500,000 Details Balance: $500,000.00 to $999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Money Market	0.25%	0.25%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Money Market	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Money Market	0.10%	0.10%
Min Balance $0 Details Balance: $0.00 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 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)	6.81%	-	6.93%
Details Minimum 15% down payment with no PMI (Private Mortgage Insurance) & may be amortized up to 30 years. Last Updated 10/07/2026 Rate History 4 changes since Sep 15, 2026 · 6.40% → 6.93% ▲ 0.53 pts · high 6.93% / low 6.40% Oct 7, 20266.93%▲ from 6.80% Oct 1, 20266.80%▲ from 6.70% Sep 24, 20266.70%▲ from 6.55% Sep 18, 20266.55%▲ from 6.40% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
15 Year Fixed Mortgage	6.875%	-	7.085%	15 Year
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.59% → 7.09% ▲ 0.50 pts · high 7.09% / low 6.59% Oct 7, 20267.09%▲ from 6.71% Sep 18, 20266.71%▲ from 6.59% Sep 15, 20266.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
20 Year Fixed Mortgage	7.25%	-	7.421%	20 Year
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 7.05% → 7.42% ▲ 0.37 pts · high 7.42% / low 7.03% Oct 7, 20267.42%▲ from 7.03% Sep 18, 20267.03%▼ from 7.05% Sep 15, 20267.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30 Year Fixed Mortgage	7.375%	-	7.508%	30 Year
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 7.13% → 7.51% ▲ 0.38 pts · high 7.51% / low 7.07% Oct 7, 20267.51%▲ from 7.13% Sep 24, 20267.13%▲ from 7.07% Sep 18, 20267.07%▼ from 7.13% Sep 15, 20267.13%first recorded 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	5.95%	-	6.376%
Details Monthly Interest Only Payment Example: $1,239.58 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 6.38% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Home Construction Rate Loan	-	-	6.376%
Details APR based on average loan amount of $500,000.00. Rate is subject to change. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 6.38% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Business Interest	0.10%	-	0.10%
Min Balance $0 Details Balance: $0.00 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
College Fund CD	3.50%	-	3.53%
Min Deposit $25 Details ($25 minimum to open) Last Updated 10/07/2026 Rate History No change since Sep 18, 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 Balance: $0 - $50,000.00* Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Hometown HYPE	0.05%	-	0.05%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000.01 and up Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
HYPE Xtreme	2.81%	-	2.85%
Min Deposit $50,000 Min Balance $0 Details Balance: $0 - $1,000,000.00* Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
HYPE Xtreme	0.05%	-	0.05%
Min Deposit $50,000 Min Balance $1,000,000 Details Balance: $1,000,000.01 and up Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times 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

Institution Name Fidelity Bank & Trust (IA)

Bank Holding Company FIDELITY CO

Address 4250 Asbury Rd, Dubuque, IA 52002 · Dubuque

Website https://www.bankfidelity.bank

FDIC Certificate # 14382

Established 19100420

FDIC Insurance Date 19340519

Domestic Offices 36

Total Branches 36

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.05%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2993%

Return on Equity (ROE) 12.7200%

Non-Performing Loans (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 36

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

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

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Frequently Asked Questions About Fidelity Bank & Trust (IA)

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.