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Fidelity Bank & Trust (IA) Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 18, 2026
Fidelity Bank & Trust (IA)'s 27-Month CD rates are at 4.10%, 27-Month CD rates are at 4.10%, 27-Month CD rates are at 4.10%, 27-Month CD rates are at 4.10%, 27-Month CD rates are at 4.10%. Fidelity Bank & Trust (IA)'s savings rates are at 0.05%. Fidelity Bank & Trust (IA)'s money market rates are at 0.10%. Fidelity Bank & Trust (IA)'s 7/5 Adjustable Rate Mortgage (ARM) rates are at 6.43%, 15 Year Fixed Mortgage rates are at 6.50%, 20 Year Fixed Mortgage rates are at 6.88%, 30 Year Fixed Mortgage rates are at 6.88%. 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 09/18/2026.
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).
Fidelity Bank & Trust (IA) has earned an overall safety grade of A (Excellent, Score: 94/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Fidelity Bank & Trust (IA) has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
12.05%
ExcellentHigher than avg
Fidelity Bank & Trust (IA) Texas Ratio
Fidelity Bank & Trust (IA)'s Texas Ratio is 12.05%, which is considered excellent and is higher than the national average of 5.85%.
Fidelity Bank & Trust (IA) has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.72% to 12.05% over 12 quarters, worseningFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this bank has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsMinimum 15% down payment with no PMI (Private Mortgage Insurance) & may be amortized up to 30 years.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
15 Year Fixed Mortgage
6.50%
-
6.71%
15 Year Fixed
No additional details.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
20 Year Fixed Mortgage
6.88%
-
7.03%
20 Year Fixed
No additional details.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
30 Year Fixed Mortgage
6.88%
-
7.07%
30 Year Fixed
No additional details.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
Fidelity Bank & Trust (IA) Other Rates
Product
Rate
Points
APY/APR
Term
View More
Home Construction Loan
-
-
6.38%
DetailsAPR based on average loan amount of $500,000.00. Rate is subject to change. See More Information
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
Business Interest
0.10%
-
0.10%
Min Balance$0
DetailsBalance: $0 to $99,999.99
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
Business Interest
0.15%
-
0.15%
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
Business Interest
0.20%
-
0.20%
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
Business Interest
0.35%
-
0.35%
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
Business Interest
0.45%
-
0.45%
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 and over
Last Updated09/18/2026
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 Updated09/18/2026
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 Updated09/18/2026
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
DetailsBalance: $0 - $50,000.00*
Last Updated09/18/2026
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
DetailsBalance: $50,000.01 and up
Last Updated09/18/2026
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
DetailsBalance: $0 - $49,999
Last Updated09/18/2026
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
DetailsBalance: $50,000 and Over
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
Hometown Interest
0.05%
-
0.05%
Min Balance$0
DetailsBalance: $0 to $99,999.99
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
Hometown Interest
0.05%
-
0.05%
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
Hometown Interest
0.10%
-
0.10%
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
Hometown Interest
0.15%
-
0.15%
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
Hometown Interest
0.20%
-
0.20%
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 and over
Last Updated09/18/2026
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
DetailsBalance: $0 - $1,000,000.00*
Last Updated09/18/2026
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
DetailsBalance: $1,000,000.01 and up
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.05%
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 weakened 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 NameFidelity Bank & Trust (IA)
Bank Holding CompanyFIDELITY CO
Address
4250 Asbury Rd,
Dubuque, IA 52002 · Dubuque
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.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Fidelity Bank & Trust (IA) yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Fidelity Bank & Trust (IA)
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.
Current Fidelity Bank & Trust (IA) Rates
12-Month CD2.31%
18-Month CD2.36%
36-Month CD2.57%
48-Month CD2.67%
60-Month CD2.77%
Savings0.05%
MMA0.10%
Retrieved from our database of financial products. Rates subject to change.
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Brian McKay
