Fidelity CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

Today's 12-month CD rates can be found at 2.38%, 6-month CD rates at 4.51% and 3-month CD rates at 3.80%. Current savings rates are at 0.25% and money market rates are at 1.92%. Mortgage rates today on 30-year fixed loans are around 6.71%. Credit Card rates are at 8.90%. Personal Loan rates are at 12.99%. All these rates, and more, can be found in our database of rates. Fidelity's 3-Month CD rates are at 4.20%, 6-Month CD rates are at 4.15%, 9-Month CD rates are at 4.10%, 60-Month CD rates are at 4.10%, 48-Month CD rates are at 4.10%.

Fidelity

To see how these rates compare to Fidelity CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Fidelity, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Fidelity CD rates. You can also compare Fidelity savings rates, MMA rates and mortgage rates using our other rate lists.

Fidelity 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? Share your experience about Fidelity by leaving a review below, or read customer reviews before you decide to use Fidelity.

Fidelity Texas Ratio

Fidelity's Texas Ratio is at 0.00%, which is considered excellent. The Texas Ratio for Fidelity is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Fidelity is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate

APY/APR

vs Avg

12-Month CD

4.05%

2.54%

18-Month CD

4.05%

2.27%

24-Month CD

4.00%

2.27%

36-Month CD

4.05%

2.20%

48-Month CD

4.10%

2.14%

60-Month CD

4.10%

2.26%

Savings

N/A

0.65%

MMA

N/A

1.01%

30-Year Fixed

N/A

6.76%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

Fidelity

2 Contra Way
Merrimack, NH 03054

https://www.fidelity.com

MonitorBankRates' Rating

5/5

★★★★★

Review Fidelity

Fidelity CD Rates and Interest Rates

Fidelity

3-Month CD

4.20%

$1,000

Fidelity

6-Month CD

4.15%

$1,000

Fidelity

9-Month CD

4.10%

$1,000

Fidelity

48-Month CD

4.10%

$1,000

Fidelity

60-Month CD

4.10%

$1,000

Fidelity

12-Month CD

4.05%

$1,000

Fidelity

18-Month CD

4.05%

$1,000

Fidelity

36-Month CD

4.05%

$1,000

Fidelity

24-Month CD

4.00%

$1,000

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Fidelity Rates with Other Competitive Bank and Credit Union Rates

All America Bank

Mega Money Market Checking

4.40%

Alliance Community Bank

24-Month CD

4.07%

$1,000

Security Bank Tulsa, OK

18-Month CD

4.06%

$2,000

Toyota Financial Savings Bank

60-Month CD

4.06%

Fidelity

12-Month CD

4.05%

$1,000

EvaBank

12-Month CD

4.00%

$1,000

GSL Savings Bank

12-Month CD

3.77%

$500

Nebraska Bank

48-Month CD

3.55%

$500

Regent Bank (OK)

48-Month CD

3.50%

$1,000

Farm Bureau Bank FSB

24-Month CD (CDARS)

3.50%

$250,000

AAA Federal Savings Bank

36-Month CD

3.50%

$500

First National Bank in Olney

24-Month CD

3.45%

$500

PSB of Plainview

24-Month CD

3.44%

$10,000

Henderson FSB

60-Month CD

3.30%

$500

North Valley Bank Thornton, CO

36-Month CD

3.25%

$1,000

Centier Bank

18-Month CD

3.25%

$1,000

MCT Credit Union

48-Month CD

3.20%

$1,000

Heartland State Bank Edgeley, ND

36-Month CD (Bump)

3.00%

$500

Gainey Business Bank

6-Month CD

2.89%

$5,000

Vast Bank

36-Month CD

2.75%

$1,000

USLA Union S&L

30-Month CD

2.50%

$1,000

Profile Bank

36-Month CD

2.02%

$500

Profile Bank

24-Month CD

2.02%

$500

Reliance Bank

Really Green Checking

2.01%

Delaware NB of Delhi

18-Month CD

1.87%

$100

FNB Of Nokomis

30-Month CD

1.76%

$1,000

Hingham Institution for Savings

24-Month CD

1.75%

$1,000

Northwest B&T Co.

12-Month CD

1.75%

$1,000

Nuvision Federal Credit Union

High Yield Money Market

1.60%

$50,000

First United Bank Dimmitt, TX

Performance Money Market

1.35%

$50,000

Round Top State Bank

60-Month CD

1.24%

$1,000

GTE Financial Credit Union

Savings

0.75%

Peoples Trust Co. of St. Albans

36-Month CD

0.70%

$500

Farmers State Bank Center, TX

Money Market Plus

0.55%

$25,000

Mid-Missouri Bank

3-Month CD

0.50%

$1,000

Nebraska State Bank and Trust Company

Regular Savings

0.45%

$200

Conway National Bank (CNB)

Passbook Savings

0.35%

Cecil Bank

18-Month CD

0.30%

$500

Twin River Bank

Statement Savings

0.30%

$50

Gorham Savings Bank

Champion Money Market

0.25%

Clare Bank

24-Month CD

0.25%

$500

FSB of Cando

Premier Money Market

0.25%

$1,000

Benchmark Community Bank

Personal Money Market

0.25%

$100

Midland Community Bank

Regular Savings

0.20%

$100

Peoples Bank Taylorsville, KY

12-Month CD

0.15%

$500

Sturdy Savings Bank

60-Month CD

0.13%

$500

Canton Co-operative Bank

Money Market

0.10%

$2,500

North Shore Bank Co-op

Savings

0.05%

$10

Friendship State Bank

Passbook Savings

0.05%

$100

Luana Savings Bank

Regular Savings

0.05%

$100

Disclaimer

Mortgage Rates May 14, 2025

1st Northern California Credit Union

7-Year Fixed

3.990%

4.357%

0.750

1st Northern California Credit Union

10-Year Fixed

4.250%

4.514%

0.750

1st Northern California Credit Union

15-Year Fixed

4.500%

4.685%

0.750

M&T Bank

5-Year ARM Jumbo

5.250%

4.753%

0.000

Americas First Federal Credit Union

15-Year Fixed

5.560%

5.250%

0.000

Catskill Hudson Bank

15-Year Fixed

5.250%

5.385%

0.750

Lakewood Credit Union

15 Year Fixed

5.300%

5.390%

0.000

Pioneer Federal Credit Union

15-Year Fixed

5.250%

5.491%

0.000

Savings Bank of Danbury

5/1 ARM

4.750%

5.507%

0.000

Pittsford Federal Credit Union

15-Year Fixed

5.375%

5.507%

0.000

State Employees Credit Union

10-Year Fixed

5.300%

5.518%

0.000

North Carolina Press Association Federal Credit Union

10 Year Fixed

5.300%

5.518%

0.000

1st Northern California Credit Union

15-Year Fixed (Jumbo)

5.375%

5.525%

0.750

Savings Bank of Danbury

7/1 ARM

5.000%

5.531%

0.000

DCU Digital Federal Credit Union

10-Year Fixed

5.250%

5.545%

1.000

Pittsford Federal Credit Union

10-Year Fixed

5.375%

5.563%

0.000

First FSB of Champaign Urbana

10-Year Fixed

5.500%

5.569%

0.000

Mutual Security Credit Union

5/1 ARM

5.500%

5.614%

0.000

Hatboro Federal Savings

15-Year Fixed

5.250%

5.629%

2.000

Piedmont Advantage Credit Union

15-Year Fixed

5.375%

5.633%

0.000

Abound Federal Credit Union

15-Year Fixed Jumbo

5.625%

5.651%

0.000

State Employees Credit Union

15-Year Fixed

5.500%

5.654%

0.000

North Carolina Press Association Federal Credit Union

15 Year Fixed

5.500%

5.654%

0.000

Nuvision Federal Credit Union

15-Year Fixed

5.375%

5.677%

1.125

Sikorsky Credit Union

15-Year Fixed

5.625%

5.681%

0.000

Disclaimer

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Fidelity Information

Fidelity

2 Contra Way
Merrimack, NH 03054
Hillsborough
Established Date: 05/15/2000
FDIC Certificate #: 35206
Date of FDIC Deposit Insurance: 05/15/2000

How Many Domestic U.S. Offices? 2

How Many Branches are There? 2

Website: https://www.fidelity.com

Is Fidelity FDIC Insured? Yes

What is Fidelity's Cert number? 35206

What is the maximum amount for insured deposits? $250,000 per holder, per account

Fidelity Financials

Total Assets:

$79,848,000

Total Deposits:

$500,000

Equity Capital:

$77,369,000

Domestic Deposits:

$500,000

Net Income:

$2,966,000

Return on Assets:

16.5098%

Quarterly Return on Assets:

15.0300%

Pretax Return on Assets:

20.5002%

Pretax Quarterly Return on Assets:

20.5000%

Return on Equity:

17.2700%

Quarterly Return on Equity:

15.6300%

Leverage Tier 1 (Core Capital) Ratio:

97.6599%

Total Interest Income (YTD):

4.5620%

Headquarters:

Merrimack

FDIC Field Office:

South Boston

Regulator:

OCC

County:

Hillsborough

# of Offices:

Metropolitan Statistical Area (MSA):

Manchester-Nashua, NH

Consolidated Metropolitan Statistical Area (CMSA):

Boston-Worcester-Lawrence, MA-NH-ME-CT

OTS Region:

Northeast

FDIC Region:

New York

Source: FDIC Last Updated 03/31/2024

When is the Best Time for a Roth IRA Conversion?

A Roth IRA conversion is the process of converting funds from a traditional IRA or other qualified retirement plan into a Roth IRA. The main advantage of a Roth IRA conversion is that it allows an individual to pay taxes on their retirement savings at their current tax rate, rather than at their potentially higher tax rate in retirement. This can be especially beneficial for those who expect their income and tax rate to increase in the future.

When doing a Roth IRA conversion, it's important to understand the tax implications. The funds that are converted from a traditional IRA to a Roth IRA are considered taxable income in the year that the conversion takes place. This means that the individual will need to pay taxes on the amount converted at their current income tax rate.

However, once the funds are in the Roth IRA, they will grow tax-free and can be withdrawn tax-free in retirement as long as certain conditions are met. This can be a significant benefit for those who expect to be in a higher tax bracket in retirement.

Retirement Accounts in the U.S. Recover From Losses During the Finanical Crisis

During the financial crisis and the Great Recession, the value of individual retirement accounts plummeted as equity markets fell about 50 percent on average. Since that time, which is over 5 years now, the value of retirement accounts have made up some lost ground according to Fidelity Investments.The mutual fund company released the analysis of 7 million Individual Retirement Accounts (IRA) held at Fidelity. The average IRA balance fell to $52,900 at the end of 2008. The value of the average IRA grew to a five-year high of $81,100 in 2012, recovering some of the losses suffered in the financial crisis and recession.

IRA Account Gains Differed Based on Age Group

Fidelity Homestead Savings Bank Savings Rates and Money Market Account Rates

Fidelity Homestead Savings Bank of New Orleans, Louisiana, is advertising some of the best savings account rates and money market account rates currently available. The bank's highest savings account rate is on their Health Savings Account (HSA). The current HSA rate is 3.00% with an annual percentage yield of 3.04%. That savings rate beats most 5 year CD rates.Searching for the highest savings account yields and money market account yields? Use our rate tables at SavingsAccount.MonitorBankRates.com to find the best yields currently available. The bank's savings accounts include a regular Passbook Savings Account, a Statement Savings Account, a Christmas Club Savings Account, Health Savings Account and an AdvantEDGE Business Savings Account. Money market accounts include Fidelity Homestead's Money Market Fund and AdvantEDGE Business Money Market Account. Read more...

Fidelity Homestead Savings Bank CD Rates

Fidelity Homestead Savings Bank of New Orleans, LA, is advertising some of the best CD rates currently available from any bank or credit union. Fidelity Homestead Savings Bank is offering regular certificates of deposit and Individual Retirement Account (IRA) certificates of deposit.Looking for the highest bank CD rates and credit union CD rates? Use our CD rate tables at CDRates.MonitorBankRates.com to find the highest CD interest rates in your area.The bank is also advertising their Plus certificates of deposit and an 18 month variable CD rate IRA certificate of deposit. The current 18 month variable IRA CD rate is 1.83 percent with an annual percentage yield (APY) of 1.85 percent. The minimum opening deposit is $100. Read more...

Brokerage Certificate of Deposits

Brokerage certificate of deposits differ from traditional Bank CDs because they are offered by a broker (a middleman) not directly from a bank. Brokers can include investment banks and financial institutions like Charles Schwab or Fidelity. CD brokers usually purchase CDs in large denominations and resell them to customers in smaller amounts. Just like traditional certificate of deposits purchased from banks, brokerage certificate of deposits are FDIC insured for up to $250,000 for individual accounts and $500,000 for joint accounts.The difference between traditional bank CDs and brokerage CDs is the brokerage CDs are tradable like stocks or bonds. Why would one want to trade a CD? To access their funds without paying an early withdrawal penalty like you would with bank CDs. Read more...

FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

Explore Other Rate Deals

Mortgage Rate Lock Expiring Because You Can't Find a Home to Buy?

The first step to take when buying a home is to apply for a mortgage loan. The next step would ideally be to lock in a mortgage rate, especially these days since mortgage rates are so low and on the rise. Most lenders will give you a 30 day to 45 day lock period on a rate so you have time to find the right home and still get the rate you were quoted.

Mutual of Omaha Bank Money Market Account 25K Rates now at 0.85%

Mutual of Omaha Bank Money Market Account 25K rates are now at 0.85 percent with a yield of 0.85 percent. View current Money Market Account 25K rates at Mutual of Omaha Bank below.

American Bank Savings Rates now at 0.10%

American Bank Savings rates are now at 0.10 percent with a yield of 0.10 percent. View current Savings rates at American Bank below.