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%, 36-Month CD: 2.57%, 48-Month CD: 2.67%, 60-Month CD: 2.77%, Savings: 0.05%, MMA: 0.10%

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Fidelity Bank & Trust (IA) Rates & Review August 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: August 28, 2026

Fidelity Bank & Trust (IA)'s 27-Month rates are at 4.10%, 19-Month rates are at 4.00%, 11-Month rates are at 3.75%, 60-Month rates are at 3.02%, 48-Month rates are at 2.92%. 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 15 Year Fixed Mortgage rates are at 6.00%, 7/5 Adjustable Rate Mortgage (ARM) rates are at 6.12%, 20 Year Fixed Mortgage rates are at 6.38%, 30 Year Fixed Mortgage rates are at 6.62%. 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 1.72%. Rates last updated and verified on 08/28/2026.

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).

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.72%

Excellent Lower than avg

Fidelity Bank & Trust

4250 Asbury Rd
Dubuque, IA 52002

https://www.bankfidelity.bank

Fidelity Bank & Trust (IA) CD Rates

Product	Rate	APY	Term
27 Month	4.06%	4.10%	27 Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
19 Month	3.96%	4.00%	19 Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
11 Month	3.71%	3.75%	11 Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
60 Month	3.00%	3.02%	60 Month
Min Balance $1,000,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
48 Month	2.90%	2.92%	48 Month
Min Balance $1,000,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
36 Month	2.80%	2.82%	36 Month
Min Balance $1,000,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
60 Month	2.75%	2.77%	60 Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
30 Month	2.70%	2.72%	30 Month
Min Balance $1,000,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
48 Month	2.65%	2.67%	48 Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
18 Month	2.60%	2.62%	18 Month
Min Balance $1,000,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
12 Month	2.55%	2.57%	12 Month
Min Balance $1,000,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
36 Month	2.55%	2.57%	36 Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
30 Month	2.45%	2.47%	30 Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
18 Month	2.35%	2.36%	18 Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
12 Month	2.30%	2.31%	12 Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

Fidelity Bank & Trust (IA) Savings Rates

Product	Rate	APY
Snap $tack Savings	5.00%	5.12%
Min Deposit $50 Min Balance $0 Details Balance tier: $0 - $5,000.00* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Snap Savings	0.05%	5.12%
Min Deposit $50 Details Qualifications Required: Must have Snap $tack Savings for Cash Back Activity Credits $1,000.00 minimum average balance in Snap $tack Checking; Must have Online or Mobile Banking with e-Statements enrollment; One (1) signature or PIN based debit card transactions during qualification period; Two (2) auto transfers (ACH or Direct Deposit) required during qualification period; SNAP STACK CHECKING eligibility requirements per qualification period to receive APY of 5.12% on the first $5,000 in SNAP STACK SAVINGS. If requirements are met each qualification period, balances up to $5,000.00 receive APY of 5.12%; the portion of balances over $5,000.00 earn an interest rate of 0.05%, resulting in 5.12% - 0.05% APY, depending on the balance. Qualifying transactions must post to and settle during the qualification period. The qualification period begins on the 27th of the month and runs thru the close of business on the 26th of the following month. Transactions may take one or more banking days from the date the transaction was made to post and settle. If the qualification beginning date falls on a weekend or a Federal Holiday, the period will begin on the next business day start of business. If the period ending date falls on a weekend or Federal holiday, the qualification period will end the prior business day close of business. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
IRA Preferred Rate Savings	2.75%	2.78%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
IRA Savings	2.50%	2.52%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Christmas Club	2.50%	2.50%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
IRA Preferred Rate Savings	2.00%	2.02%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
IRA Savings	2.00%	2.02%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Savings	0.25%	0.25%
Min Balance $1,000,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Health Savings	0.15%	0.15%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Savings	0.15%	0.15%
Min Balance $500,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Savings	0.10%	0.10%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Savings	0.05%	0.05%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Snap $tack Savings	0.05%	0.05%
Min Deposit $50 Min Balance $5,000 Details Balance tier: $5,000.01 and up Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

Fidelity Bank & Trust (IA) Money Market Rates

Product	Rate	APY
Money Market	0.55%	0.55%
Min Balance $1,000,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Money Market	0.45%	0.45%
Min Balance $500,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Money Market	0.25%	0.25%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Money Market	0.20%	0.20%
Min Balance $250,000 Details ($1,000 minimum to open) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Money Market	0.15%	0.15%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Money Market	0.10%	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

Fidelity Bank & Trust (IA) Checking Rates

Product	Rate	APY
HYPE Xtreme Checking	-	5.00%
Details Qualifications Required: Online or Mobile Banking with e-Statements enrollment; Twelve (12) signature or PIN based debit card transactions per statement cycle; Four (4) auto transfers (ACH or Direct Deposit) required during statement cycle; Maintain $50,000.00 average daily balance. Balances above $1,000,000.01 will earn interest rate of 0.05% APY. If requirement qualifications are not met, the interest rate and annual percentage yield (APY) will be .05%. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Hometown HYPE Checking	-	4.00%
Details Qualifications Required: Online or Mobile Banking with e-Statements enrollment; Ten (10) signature or PIN based debit card transactions per statement cycle; Two (2) auto transfers (ACH or Direct Deposit) required during statement cycle; Balances above $50,000.01 will earn interest rate of 0.05% APY. If requirement qualifications are not met, the interest rate and annual percentage yield (APY) will be .05%. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Business Interest Checking	0.45%	0.45%
Min Balance $1,000,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Business Interest Checking	0.35%	0.35%
Min Balance $500,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Business Interest Checking	0.20%	0.20%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Business Interest Checking	0.15%	0.15%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Business Interest Checking	0.10%	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

Fidelity Bank & Trust (IA) Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Mortgage	6.00%	-	6.21%	15 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
7/5 Adjustable Rate Mortgage (ARM)	6.12%	-	6.24%
Details Minimum 15% down payment with no PMI (Private Mortgage Insurance) & may be amortized up to 30 years. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
20 Year Fixed Mortgage	6.38%	-	6.54%	20 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
30 Year Fixed Mortgage	6.63%	-	6.75%	30 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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 04/20/1910

FDIC Insurance Date 05/19/1934

Domestic Offices 36

Total Branches 36

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.72%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6197%

Return on Equity (ROE) 6.5000%

Non-Performing Loans (NPL) 0.11%

Total Assets $2,520,177,000

Total Deposits $2,125,580,000

Equity Capital $257,757,000

Net Income $22,324,000

Headquarters Dubuque

Total Branches and Offices 36

Source: FDIC | Last Updated 12/31/2025

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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.