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

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Today's 12-month CD rates can be found at 3.03%, 6-month CD rates at 1.81% and 3-month CD rates at 1.97%. Current savings rates are at 0.05% and money market rates are at 2.08%. Mortgage rates today on 30-year fixed loans are around 6.66%. Credit Card rates are at 12.96%. Personal Loan rates are at 13.24%. All these rates, and more, can be found in our database of rates. Fidelity's 3-Month CD New Issue rates are at 5.30%, 9-Month CD New Issue rates are at 5.10%, 6-Month CD New Issue rates are at 5.10%, 18-Month CD New Issue rates are at 4.95%, 12-Month CD New Issue rates are at 4.95%.

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 6.24%. 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
4.95%
18-Month CD
4.95%
24-Month CD
4.70%
36-Month CD
4.30%
48-Month CD
4.30%
60-Month CD
4.20%
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Fidelity
2 Contra Way
Merrimack, NH 03054
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Fidelity CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Fidelity
Fidelity
3-Month CD New Issue
5.30%
$1,000
Fidelity
Fidelity
6-Month CD New Issue
5.10%
$1,000
Fidelity
Fidelity
9-Month CD New Issue
5.10%
$1,000
Fidelity
Fidelity
12-Month CD New Issue
4.95%
$1,000
Fidelity
Fidelity
18-Month CD New Issue
4.95%
$1,000
Fidelity
Fidelity
24-Month CD New Issue
4.70%
$1,000
Fidelity
Fidelity
36-Month CD New Issue
4.30%
$1,000
Fidelity
Fidelity
48-Month CD New Issue
4.30%
$1,000
Fidelity
Fidelity
60-Month CD New Issue
4.20%
$1,000
Show More

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

Bank
Product
APY
Min Dep
MidCountry Bank
MidCountry Bank
24-Month variable rate new money
5.61%
$25,000
State Bank of Southern Utah
State Bank of Southern Utah
12-Month CD Add-On
5.20%
$500
Wisconsin River Bank
Wisconsin River Bank
3-Month CD special
5.15%
$1,000
Hancock Whitney Bank
Hancock Whitney Bank
3-Month CD
5.00%
$1,000
Henderson State Bank
Henderson State Bank
11-Month CD special
4.90%
$500
The Dolores State Bank
The Dolores State Bank
12-Month CD
4.84%
$1,000
Keen Bank
Keen Bank
9-Month CD
4.78%
$2,500
Climate First Bank
Climate First Bank
9-Month CD Penalty Free
4.69%
$500
Balboa Thrift and Loan Association
Balboa Thrift and Loan Association
48-Month CD
4.40%
$10,000
Guardian Credit Union Montgomery, AL
Guardian Credit Union Montgomery, AL
18-Month CD (Certificate)
4.39%
$500
705 Federal Credit Union
705 Federal Credit Union
18-Month CD certificate
4.06%
$1,000
Federation Bank
Federation Bank
9-Month CD
4.01%
$500
KodaBank
KodaBank
12-Month CD
3.85%
$1,000
Elkhorn Valley Bank & Trust
Elkhorn Valley Bank & Trust
24-Month CD
3.75%
$0
FNB of Wyoming
FNB of Wyoming
18-Month CD
3.56%
$100
Touchmark Bank
Touchmark Bank
24-Month CD
3.50%
$1,000
Wayne Bank and Trust Co.
Wayne Bank and Trust Co.
Silver Eagle Money Market
3.41%
$1,000,000
Fairfield Federal S&L of Lancaster
Fairfield Federal S&L of Lancaster
6-Month CD
3.30%
$500
CNB of McConnelsville
12-Month CD
3.25%
$500
University Federal Credit Union
University Federal Credit Union
Money Market
3.25%
$1,000,000
Citizens Bank
Citizens Bank
Private Client Money Market
3.00%
$25,000
Ashton State Bank
Ashton State Bank
36-Month CD
2.83%
$1,000
Service Federal Credit Union
Service Federal Credit Union
60-Month CD certificate
2.50%
$500
Navy Federal Credit Union
Navy Federal Credit Union
Jumbo Money Market Savings
2.25%
$1,000,000
Cornhusker Bank
Cornhusker Bank
48-Month CD
2.05%
$1,000
Fsb&t
Fsb&t
60-Month CD
2.02%
$1,000
Arcola First Bank
Arcola First Bank
18-Month CD
1.66%
$2,500
First State Bank and Trust Bayport, MN
First State Bank and Trust Bayport, MN
60-Month CD
1.51%
$1,000
Merchants State Bank
Merchants State Bank
Money Market
1.50%
$2,500
The Citizens Bank Company
The Citizens Bank Company
24-Month CD
1.46%
$1,000
Abco Federal Credit Union
Abco Federal Credit Union
Money Market
1.20%
$50,000
FNB of Bellville
FNB of Bellville
48-Month CD
1.11%
$1,000
Consumers Credit Union
60-Month CD
1.01%
$1,000
Heritage Bank of St Tammany
Heritage Bank of St Tammany
48-Month CD Bump Option
0.80%
$500
Farmers State Bank Center, TX
Farmers State Bank Center, TX
Savings Account
0.60%
$100
Vibrant Credit Union
Vibrant Credit Union
24-Month CD certificate
0.60%
$5
Warsaw Federal S&L
48-Month CD
0.55%
$500
Androscoggin Savings Bank
Androscoggin Savings Bank
60-Month CD
0.45%
$500
WCB West Central Bank
WCB West Central Bank
Savings Account
0.40%
$100
PeoplesBank
PeoplesBank
48-Month CD
0.30%
$1,000
PCSB Bank
PCSB Bank
36-Month CD
0.30%
$500
First FSB Rochester, IN
First FSB Rochester, IN
12-Month CD
0.25%
$500
GCSB Swayzee, IN
GCSB Swayzee, IN
Savings Account
0.25%
$25
Wakefield Co-operative Bank
Wakefield Co-operative Bank
24-Month CD
0.25%
$500
Preferred Bank Rothville, MO
Preferred Bank Rothville, MO
Money Market
0.20%
$5,000
Burke & Herbert Bank
Burke & Herbert Bank
36-Month CD
0.20%
$500
Kish Bank
Kish Bank
Savings Account
0.10%
$100
Woodsville Guaranty Savings Bank
Woodsville Guaranty Savings Bank
Statement Savings Account
0.05%
$10
ESSA Bank & Trust
ESSA Bank & Trust
Premium Savings
0.05%
$100
First Commonwealth Bank
First Commonwealth Bank
18-Month CD
0.05%
$500
Show More

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.

Mortgage Rates April 14, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.000%
5.363%
2.000
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.750%
5.834%
0.000
People\'s Alliance Federal Credit Union
People\'s Alliance Federal Credit Union
10 Year Fixed
0.000%
5.875%
1.000
15-Year Fixed
5.625%
5.877%
0.975
5.750%
5.883%
0.500
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
5.875%
5.913%
0.000
15 Year Fixed
5.625%
5.923%
1.000
15-Year Fixed
5.875%
5.925%
0.000
5.750%
5.946%
0.250
5.875%
5.958%
0.000
Show More

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? 1
How Many Branches are There? 1
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:
$66,610,000
Total Deposits:
$500,000
Equity Capital:
$64,048,000
Domestic Deposits:
$500,000
Net Income:
$3,428,000
Return on Assets:
2.2368%
Quarterly Return on Assets:
20.8400%
Pretax Return on Assets:
27.6801%
Pretax Quarterly Return on Assets:
27.6800%
Return on Equity:
2.4900%
Quarterly Return on Equity:
22.0000%
Leverage Tier 1 (Core Capital) Ratio:
91.8809%
Total Interest Income (YTD):
3.6332%
 
 
Headquarters:
Merrimack
FDIC Field Office:
South Boston
Regulator:
OCC
County:
Hillsborough
# of Offices:
1
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

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.

    Read more...

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.

Retirement Accounts in the U.S. Recover From Losses During the Finanical CrisisIRA Account Gains Differed Based on Age Group

    Read more...

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 cdsBrokerage 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:

    Read more...

Explore Other Rate Deals

Synchrony Bank Money Market Account rates are now at 0.85 percent with a yield of 0.85 percent. View current Money Market Account rates at Synchrony Bank below.
Average savings rates were unchanged this week over last in both Bankrate's national savings rate survey and the FDIC's national rate survey. Bankrate's national savings rate for the week ending 10/10/12 is currently at 0.52 percent. The FDIC's national average savings rate is considerably less at 0.08 percent. The best savings rates this week alo remained unchanged at 1.04 percent.
Mortgage rates have headed higher today after setting new lows this past week. Current 30 year mortgage rates are averaging 4.78 percent, up 20 basis points from a low of 4.58 percent set last week. 30 year mortgage rates have been heading higher since this past Friday.

Bank or Credit Union Offers and Deals

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Applying for a Mortgage: Steps to Take When Buying a Home
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CD Rates Remain Relatively Unchanged as Fiscal Cliff Nears

Alternative Bank and Credit Union Offers to Explore

Mortgage Rates Remain Stable: 30 Year Jumbo Mortgage Rates at 4.58%
30-Year Mortgage vs 15-Year Mortgage
Home Mortgage Interest Rates Increase: 30 Year Mortgage Interest Rates at 4.69%
Mortgage Rates: Weekly Average Rates Mixed as Budget Talks Continue, 30 Year Mortgage rates at 4.59%
OneUnited Bank Savings Jumbo Rates now at 0.60%
The Number One Point in Obama State of the Union Speech is the Economy
EH National Bank Money Market Account 50K Rates now at 0.83%
Heritage Bank 3 Month Jumbo CD Rates now at 0.10%
EverBank Certificates of Deposit
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Fidelity Reviews

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