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The Fidelity Deposit and Discount Bank

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The Fidelity Deposit and Discount Bank Rates & Review November 2026

Q: What are the current interest rates at The Fidelity Deposit and Discount Bank?

Current rates for The Fidelity Deposit and Discount Bank include: 12-Month CD: 0.95%, 18-Month CD: 0.95%, 24-Month CD: 0.95%, 36-Month CD: 1.05%, 48-Month CD: 1.10%, 60-Month CD: 1.10%, Savings: 0.35%, MMA: 2.01%

Q: What CD terms does The Fidelity Deposit and Discount Bank offer?

The Fidelity Deposit and Discount Bank CD rates are 1.35% APY for a 12 month CD, 0.95% APY for an 18 month CD, 0.95% APY for a 2 year CD, 1.45% APY for a 30 month CD, 1.45% APY for a 3 year CD, 1.50% APY for a 4 year CD and 1.50% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with The Fidelity Deposit and Discount Bank for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

The Fidelity Deposit and Discount Bank's 48-Month CD rates are at 1.50%, 60-Month CD rates are at 1.50%, 30-Month CD rates are at 1.45%, 36-Month CD rates are at 1.45%, 12-Month CD rates are at 1.35%. The Fidelity Deposit and Discount Bank's savings rates are at 0.35%. The Fidelity Deposit and Discount Bank's money market rates are at 2.01%. The Fidelity Deposit and Discount Bank's checking rates are as high as 0.03%. The Fidelity Deposit and Discount Bank's Mortgage - 10-Year Fixed rates are at 6.625%, Jumbo Loan - 15-Year Jumbo rates are at 6.875%, Mortgage - 15-Year Fixed rates are at 6.875%, 7/1 ARM rates are at 6.625%, Mortgage - 20-Year Fixed rates are at 7.00%. The Fidelity Deposit and Discount Bank's Personal Loan Rates are as low as 10.578%. The Fidelity Deposit and Discount Bank's top CD rate of 1.50% APY on a 4 year CD is 47% lower than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of The Fidelity Deposit and Discount Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.53%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.53%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

The Fidelity Deposit and Discount Bank

101 N Blakely St
Dunmore, PA 18512

https://www.bankatfidelity.com

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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.

The Fidelity Deposit and Discount Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
48-Month CD	1.492%	1.50%	48 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Platinum & Performance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
60-Month CD	1.492%	1.50%	60 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Platinum & Performance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
30-Month CD	1.442%	1.45%	30 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Platinum & Performance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
36-Month CD	1.442%	1.45%	36 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Platinum & Performance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
48-Month CD	1.442%	1.45%	48 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Relationship Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
60-Month CD	1.442%	1.45%	60 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Relationship Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
30-Month CD	1.393%	1.40%	30 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Relationship Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
36-Month CD	1.393%	1.40%	36 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Relationship Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
48-Month CD	1.393%	1.40%	48 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Reliance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
48-Month CD	1.393%	1.40%	48 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Platinum & Performance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
60-Month CD	1.393%	1.40%	60 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Reliance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
60-Month CD	1.393%	1.40%	60 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Platinum & Performance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
12-Month CD	1.35%	1.35%	12 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Platinum & Performance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
18-Month CD	1.343%	1.35%	18 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Platinum & Performance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
24-Month CD	1.343%	1.35%	24 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Platinum & Performance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
30-Month CD	1.343%	1.35%	30 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Reliance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
30-Month CD	1.343%	1.35%	30 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Platinum & Performance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
36-Month CD	1.343%	1.35%	36 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Reliance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
36-Month CD	1.343%	1.35%	36 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Platinum & Performance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
48-Month CD	1.343%	1.35%	48 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Relationship Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
60-Month CD	1.343%	1.35%	60 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Relationship Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
12-Month CD	1.30%	1.30%	12 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Relationship Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
18-Month CD	1.294%	1.30%	18 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Relationship Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
24-Month CD	1.294%	1.30%	24 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Relationship Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
30-Month CD	1.294%	1.30%	30 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Relationship Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
36-Month CD	1.294%	1.30%	36 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Relationship Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
48-Month CD	1.294%	1.30%	48 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Reliance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
48-Month CD	1.294%	1.30%	48 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Platinum & Performance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
60-Month CD	1.294%	1.30%	60 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Reliance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
60-Month CD	1.294%	1.30%	60 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Platinum & Performance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
12-Month CD	1.25%	1.25%	12 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Reliance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
12-Month CD	1.25%	1.25%	12 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Platinum & Performance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
18-Month CD	1.244%	1.25%	18 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Reliance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
18-Month CD	1.244%	1.25%	18 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Platinum & Performance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
24-Month CD	1.244%	1.25%	24 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Reliance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
24-Month CD	1.244%	1.25%	24 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Platinum & Performance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
3-Month CD	1.25%	1.25%	3 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Platinum & Performance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
30-Month CD	1.244%	1.25%	30 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Reliance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
30-Month CD	1.244%	1.25%	30 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Platinum & Performance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
36-Month CD	1.244%	1.25%	36 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Reliance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
36-Month CD	1.244%	1.25%	36 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Platinum & Performance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
48-Month CD	1.244%	1.25%	48 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Relationship Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
6-Month CD	1.25%	1.25%	6 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Platinum & Performance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
60-Month CD	1.244%	1.25%	60 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Relationship Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
9-Month CD	1.25%	1.25%	9 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Platinum & Performance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
12-Month CD	1.20%	1.20%	12 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Relationship Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
18-Month CD	1.195%	1.20%	18 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Relationship Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
24-Month CD	1.195%	1.20%	24 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Relationship Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
3-Month CD	1.20%	1.20%	3 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Relationship Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
30-Month CD	1.195%	1.20%	30 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Relationship Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
36-Month CD	1.195%	1.20%	36 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Relationship Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
48-Month CD	1.195%	1.20%	48 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Reliance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
6-Month CD	1.20%	1.20%	6 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Relationship Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
60-Month CD	1.195%	1.20%	60 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Reliance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
9-Month CD	1.20%	1.20%	9 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Relationship Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
12-Month CD	1.15%	1.15%	12 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Reliance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
12-Month CD	1.15%	1.15%	12 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Platinum & Performance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
18-Month CD	1.145%	1.15%	18 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Reliance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
18-Month CD	1.145%	1.15%	18 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Platinum & Performance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
24-Month CD	1.145%	1.15%	24 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Reliance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
24-Month CD	1.145%	1.15%	24 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Platinum & Performance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
3-Month CD	1.15%	1.15%	3 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Reliance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
3-Month CD	1.15%	1.15%	3 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Platinum & Performance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
30-Month CD	1.145%	1.15%	30 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Reliance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
36-Month CD	1.145%	1.15%	36 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Reliance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
48-Month CD	1.145%	1.15%	48 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Relationship Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
6-Month CD	1.15%	1.15%	6 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Reliance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
6-Month CD	1.15%	1.15%	6 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Platinum & Performance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
60-Month CD	1.145%	1.15%	60 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Relationship Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
9-Month CD	1.15%	1.15%	9 Months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Checking Package: Reliance Checking; Balance: $500,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
9-Month CD	1.15%	1.15%	9 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Platinum & Performance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
12-Month CD	1.10%	1.10%	12 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Relationship Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
18-Month CD	1.095%	1.10%	18 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Relationship Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
24-Month CD	1.095%	1.10%	24 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Relationship Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
3-Month CD	1.10%	1.10%	3 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Relationship Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
30-Month CD	1.095%	1.10%	30 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Relationship Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
36-Month CD	1.095%	1.10%	36 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Relationship Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
48-Month CD	1.095%	1.10%	48 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Reliance Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
6-Month CD	1.10%	1.10%	6 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Relationship Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
60-Month CD	1.095%	1.10%	60 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Reliance Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
9-Month CD	1.10%	1.10%	9 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Relationship Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
12-Month CD	1.05%	1.05%	12 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Reliance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
18-Month CD	1.046%	1.05%	18 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Reliance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
24-Month CD	1.046%	1.05%	24 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Reliance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
3-Month CD	1.05%	1.05%	3 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Reliance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
3-Month CD	1.05%	1.05%	3 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Platinum & Performance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
30-Month CD	1.046%	1.05%	30 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Reliance Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
36-Month CD	1.046%	1.05%	36 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Reliance Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
6-Month CD	1.05%	1.05%	6 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Reliance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
6-Month CD	1.05%	1.05%	6 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Platinum & Performance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
9-Month CD	1.05%	1.05%	9 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Checking Package: Reliance Checking; Balance: $100,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
9-Month CD	1.05%	1.05%	9 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Platinum & Performance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
12-Month CD	1.00%	1.00%	12 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Relationship Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
18-Month CD	0.996%	1.00%	18 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Relationship Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
24-Month CD	0.996%	1.00%	24 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Relationship Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
3-Month CD	1.00%	1.00%	3 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Relationship Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
6-Month CD	1.00%	1.00%	6 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Relationship Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
9-Month CD	1.00%	1.00%	9 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Relationship Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
9-Month CD	1.00%	1.00%	9 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Relationship Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
12-Month CD	0.95%	0.95%	12 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Reliance Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
18-Month CD	0.947%	0.95%	18 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Reliance Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
24-Month CD	0.947%	0.95%	24 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Reliance Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
3-Month CD	0.95%	0.95%	3 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Reliance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
6-Month CD	0.95%	0.95%	6 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Reliance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
9-Month CD	0.95%	0.95%	9 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Reliance Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
9-Month CD	0.95%	0.95%	9 Months	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Checking Package: Reliance Checking; Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
6-Month CD	0.90%	0.90%	6 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Relationship Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
6-Month CD	0.85%	0.85%	6 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Reliance Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
3-Month CD	0.75%	0.75%	3 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Platinum & Performance Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
3-Month CD	0.70%	0.70%	3 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Relationship Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
3-Month CD	0.65%	0.65%	3 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Checking Package: Reliance Checking; Balance: $1,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

The Fidelity Deposit and Discount Bank Savings Rates

Product	Rate	APY
Optimum Choice Savings	0.35%	0.35%
Min Balance $100 Details Balance: $100-$24,999 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Optimum Choice Savings	0.35%	0.35%
Min Balance $25,000 Details Balance: $25,000 or more Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Statement Savings	0.25%	0.25%
Min Balance $100 Details Balance: $100 or more Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.25% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Green Team Savings	0.15%	0.15%
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.15% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Scholar Savings	0.05%	0.05%
Min Balance $50 Details Balance: $50 or more Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.05% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Green Team Savings	0.00%	0.00%
Min Deposit $1 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Optimum Choice Savings	0.00%	0.00%
Min Deposit $100 Min Balance $0 Details Balance: $0-$99.99 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.35% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Scholar Savings	0.00%	0.00%
Min Deposit $25 Min Balance $0 Details Balance: $0-$49.99 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Statement Savings	0.00%	0.00%
Min Deposit $100 Min Balance $0 Details Balance: $0-$99.99 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

The Fidelity Deposit and Discount Bank Money Market Rates

Product	Rate	APY
Personal Money Market - Performance	1.992%	2.01%
Min Balance $500,000 Details Balance: $500,000 or more; Rates apply for clients with Relationship Checking or Performance Checking account, or Fidelity Choice Banking account Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Platinum Money Market	1.992%	2.01%
Min Balance $500,000 Details Balance: $500,000 or more; Available to Wealth Management Clients Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Platinum Money Market	1.736%	1.75%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Available to Wealth Management Clients Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 1.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Relationship	1.687%	1.70%
Min Balance $500,000 Details Balance: $500,000 or more; Rates apply for clients with Relationship Checking or Performance Checking account, or Fidelity Choice Banking account Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Performance	1.539%	1.55%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Rates apply for clients with Relationship Checking or Performance Checking account, or Fidelity Choice Banking account Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Performance	1.539%	1.55%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Rates apply for clients with Relationship Checking or Performance Checking account, or Fidelity Choice Banking account Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Relationship	1.243%	1.25%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Rates apply for clients with Relationship Checking or Performance Checking account, or Fidelity Choice Banking account Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Platinum Money Market	1.144%	1.15%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Available to Wealth Management Clients Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 1.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Performance	1.045%	1.05%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Rates apply for clients with Relationship Checking or Performance Checking account, or Fidelity Choice Banking account Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Relationship	0.995%	1.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Rates apply for clients with Relationship Checking or Performance Checking account, or Fidelity Choice Banking account Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Reliance	0.847%	0.85%
Min Balance $500,000 Details Balance: $500,000 or more Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.70% → 0.85% ▼ 0.85 pts · high 1.70% / low 0.85% Oct 14, 20260.85%▼ from 1.70% Sep 18, 20261.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Relationship	0.797%	0.80%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Rates apply for clients with Relationship Checking or Performance Checking account, or Fidelity Choice Banking account Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Performance	0.747%	0.75%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99; Rates apply for clients with Relationship Checking or Performance Checking account, or Fidelity Choice Banking account Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Platinum Money Market	0.747%	0.75%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99; Available to Wealth Management Clients Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Relationship	0.598%	0.60%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99; Rates apply for clients with Relationship Checking or Performance Checking account, or Fidelity Choice Banking account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Reliance	0.598%	0.60%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.25% → 0.60% ▼ 0.65 pts · high 1.25% / low 0.60% Oct 14, 20260.60%▼ from 1.25% Sep 18, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Reliance	0.499%	0.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.00% → 0.50% ▼ 0.50 pts · high 1.00% / low 0.50% Oct 14, 20260.50%▼ from 1.00% Sep 18, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Reliance	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Reliance	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 0.80% → 0.20% ▼ 0.60 pts · high 0.80% / low 0.20% Oct 14, 20260.20%▼ from 0.80% Sep 18, 20260.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Performance	0.00%	0.00%
Min Balance $0 Details Balance: $0-$2,499; Rates apply for clients with Relationship Checking or Performance Checking account, or Fidelity Choice Banking account Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Relationship	0.00%	0.00%
Min Balance $0 Details Balance: $0-$2,499; Rates apply for clients with Relationship Checking or Performance Checking account, or Fidelity Choice Banking account Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Personal Money Market - Reliance	0.00%	0.00%
Min Balance $0 Details Balance: $0-$2,499 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 0.80% → 0.20% ▼ 0.60 pts · high 0.80% / low 0.20% Oct 14, 20260.20%▼ from 0.80% Sep 18, 20260.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Platinum Money Market	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $2,499; Available to Wealth Management Clients Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

The Fidelity Deposit and Discount Bank Checking Rates

Product	Rate	APY
Muni-Choice Checking	0.03%	0.03%
Min Balance $2,500 Details Balance: $2,500.00-$99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.03% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Muni-Choice Checking	0.03%	0.03%
Min Balance $100,000 Details Balance: $100,000-$999,999,99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Muni-Choice Checking	0.03%	0.03%
Min Balance $1,000,000 Details Balance: $1,000,000 or more Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Performance Checking	0.03%	0.03%
Min Balance $2,500 Details Balance: $2,500 or more Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.03% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Platinum Checking	0.03%	0.03%
Min Balance $2,500 Details Balance: $2,500 or more Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.03% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Muni-Choice Checking	0.00%	0.00%
Min Deposit $2,500 Min Balance $0 Details Balance: $0-$2,499.99 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.03% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Performance Checking	0.00%	0.00%
Min Deposit $500 Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.03% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Platinum Checking	0.00%	0.00%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.03% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

The Fidelity Deposit and Discount Bank Business Checking Rates

Product	Rate	APY
Business Relationship Interest Checking	0.03%	0.03%
Min Balance $10,000 Details Balance: $10,000 or more Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.03% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Business Relationship Interest Checking	0.00%	0.00%
Min Deposit $1,000 Min Balance $0 Details Balance: $0-$9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.03% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

The Fidelity Deposit and Discount Bank Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage - 10-Year Fixed	6.625%	-	6.708%
No additional details. Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.71% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Jumbo Loan - 15-Year Jumbo	6.875%	-	6.942%	15 years
Details Effective Date: Thursday November 05, 2026; Fixed-rate jumbo; Rates based on excellent credit history Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Mortgage - 15-Year Fixed	6.875%	-	6.942%
No additional details. Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
7/1 ARM	6.625%	-	6.999%
Details Effective Date: Monday October 26, 2026 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Mortgage - 20-Year Fixed	7.00%	-	7.048%
No additional details. Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.05% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
10/1 ARM	6.875%	-	7.076%
Details Effective Date: Monday October 26, 2026 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 7.08% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Mortgage - 30-Year Fixed	7.125%	-	7.163%
Details Excellent credit history; credit score > 780; $200,000 loan on $250,000 estimated value; 20% down; Single Family Primary Residence; Rate reduced by .25% with auto pay from Fidelity Bank checking Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.16% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Jumbo Loan - 30-Year Jumbo	7.375%	-	7.398%	30 years
Details Effective Date: Thursday November 05, 2026; Fixed-rate jumbo; Rates based on excellent credit history Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

The Fidelity Deposit and Discount Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans - New/Used Cars 2023 & Above	5.25%	-	5.425%	60 months
Details Payment and APR based on $25,000 amount financed; auto pay from Fidelity Bank checking required, otherwise rate .25% higher; effective November 05, 2026 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 5.43% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Auto Loans - Used Cars 2022/2021	5.99%	-	6.166%	60 months
Details Payment and APR based on $25,000 amount financed; auto pay from Fidelity Bank checking required, otherwise rate .25% higher; effective November 05, 2026 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.17% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Auto Loans - Used Cars 2020/2019/2018/2017	7.35%	-	7.528%	60 months
Details Payment and APR based on $25,000 amount financed; auto pay from Fidelity Bank checking required, otherwise rate .25% higher; effective November 05, 2026 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.53% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

The Fidelity Deposit and Discount Bank Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Loans	10.578%	36 Months
Details up to $10,000; Loan up to $10,000 for a term of up to 60 months; Rates for clients with auto-deduct from a Fidelity Bank checking account; .25% increase for clients without auto-deduct; $75 document preparation fee and $30.80 credit report fee Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 10.58% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

The Fidelity Deposit and Discount Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Preferred Credit Loans	-	-	15.00%
Details Overdraft protection on a Fidelity Bank checking account; loan amount up to $5,000; $30 annual fee; Monthly payment: 3% of the balance plus interest; How to apply: Contact Us Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 15.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

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.

Financial Health History

The Fidelity Deposit and Discount Bank’s Texas Ratio fell from 1.85% in Q3 2023 to 0.53% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.6 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$3.0B	0.53%	5.0	A+
March 31, 2026	$2.9B	0.83%	5.0	A+
December 31, 2025	$2.7B	0.76%	5.0	A+
September 30, 2025	$2.7B	0.97%	5.0	A+
June 30, 2025	$2.7B	1.43%	5.0	A+
March 31, 2025	$2.7B	2.73%	5.0	A+
December 31, 2024	$2.6B	3.67%	5.0	A+
September 30, 2024	$2.6B	3.50%	5.0	A+
June 30, 2024	$2.5B	3.40%	5.0	A+
March 31, 2024	$2.5B	1.82%	5.0	A+
December 31, 2023	$2.5B	1.59%	5.0	A+
September 30, 2023	$2.5B	1.85%	4.6	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 The Fidelity Deposit and Discount Bank 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 The Fidelity Deposit and Discount Bank 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 The Fidelity Deposit and Discount Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name The Fidelity Deposit and Discount Bank

Website https://www.bankatfidelity.com

Address 101 N Blakely St, Dunmore, PA 18512 · Lackawanna

Bank Holding Company FIDELITY D&D BCORP INC

FDIC Certificate # 11868

Regulator FDIC

Established May 11, 1903

FDIC Insurance Date January 1, 1934

Domestic Offices 23

Total Branches 23

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.53%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.1344%

Return on Equity (ROE)

13.2300%

Non-Performing Loans Ratio (NPL)

0.06%

Total Assets

$2,971,307,000

Total Deposits

$2,559,262,000

Equity Capital

$252,642,000

Net Income

$16,219,000

Headquarters

Dunmore

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

The Fidelity Deposit and Discount Bank earned the Verified Healthy badge

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About The Fidelity Deposit and Discount Bank

Does The Fidelity Deposit and Discount Bank offer CDs?

Yes. The Fidelity Deposit and Discount Bank current CD rates include its 48-Month CD at 1.50% APY, its 60-Month CD at 1.50% APY and its 30-Month CD at 1.45% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from The Fidelity Deposit and Discount Bank FDIC insured?

Yes. The Fidelity Deposit and Discount Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at The Fidelity Deposit and Discount Bank?

The highest The Fidelity Deposit and Discount Bank CD rate is its 48-Month CD at 1.50% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does The Fidelity Deposit and Discount Bank offer?

The Fidelity Deposit and Discount Bank CD rates are 1.35% APY for a 12 month CD, 0.95% APY for an 18 month CD, 0.95% APY for a 2 year CD, 1.45% APY for a 30 month CD, 1.45% APY for a 3 year CD, 1.50% APY for a 4 year CD and 1.50% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with The Fidelity Deposit and Discount Bank for its full lineup.

What is the highest savings rate at The Fidelity Deposit and Discount Bank?

The highest The Fidelity Deposit and Discount Bank savings rate is its Optimum Choice Savings at 0.35% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at The Fidelity Deposit and Discount Bank?

The highest The Fidelity Deposit and Discount Bank money market rate is its Personal Money Market - Performance at 2.01% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at The Fidelity Deposit and Discount Bank?

The highest The Fidelity Deposit and Discount Bank checking rate is its Business Relationship Interest Checking at 0.03% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at The Fidelity Deposit and Discount Bank?

The lowest The Fidelity Deposit and Discount Bank 30 year fixed mortgage rate is its Mortgage - 30-Year Fixed at 7.125%, verified by MonitorBankRates as of November 5, 2026. The Fidelity Deposit and Discount Bank mortgage rates are 7.125% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.875% for a 15 year mortgage, 6.625% for a 10 year mortgage, 6.625% for a 7/1 ARM and 6.875% for a 10/1 ARM.

What is the lowest auto loan rate at The Fidelity Deposit and Discount Bank?

The lowest The Fidelity Deposit and Discount Bank auto loan rate is its Auto Loans - New/Used Cars 2023 & Above at 5.25%, verified by MonitorBankRates as of November 5, 2026.

What is the lowest personal loan rate at The Fidelity Deposit and Discount Bank?

The lowest The Fidelity Deposit and Discount Bank personal loan rate is its Personal Unsecured Loans at 9.99%, verified by MonitorBankRates as of November 5, 2026.

How many branches does The Fidelity Deposit and Discount Bank operate?

The Fidelity Deposit and Discount Bank currently maintains approximately 23 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, The Fidelity Deposit and Discount Bank 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, The Fidelity Deposit and Discount Bank provides members with tools to manage their accounts and build a solid financial history.

Does The Fidelity Deposit and Discount Bank offer online and mobile banking?

Most modern institutions like The Fidelity Deposit and Discount Bank 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.bankatfidelity.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do The Fidelity Deposit and Discount Bank rates compare?

The Fidelity Deposit and Discount Bank's top CD rate of 1.50% APY on a 4 year CD is 47% lower than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. The Fidelity Deposit and Discount Bank's top rates are its 48-Months 48-Month CD at 1.50% APY, its Optimum Choice Savings at 0.35% APY, its Personal Money Market - Performance at 2.01% APY, its Business Relationship Interest Checking at 0.03% APY, its Mortgage - 10-Year Fixed at 6.625% and its Personal Unsecured Loans at 10.578% APR, verified by MonitorBankRates on November 5, 2026.

Current The Fidelity Deposit and Discount Bank Rates

12-Month CD0.95%
18-Month CD0.95%
24-Month CD0.95%
36-Month CD1.05%
48-Month CD1.10%
60-Month CD1.10%
Savings0.35%
MMA2.01%

Retrieved from our database of financial products. Rates subject to change.

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The Fidelity Deposit and Discount Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

The Fidelity Deposit and Discount Bank Texas Ratio

The Fidelity Deposit and Discount Bank Health Trend

The Fidelity Deposit and Discount Bank CD Rates

The Fidelity Deposit and Discount Bank Savings Rates

The Fidelity Deposit and Discount Bank Money Market Rates

The Fidelity Deposit and Discount Bank Checking Rates

The Fidelity Deposit and Discount Bank Business Checking Rates

The Fidelity Deposit and Discount Bank Mortgage Rates

The Fidelity Deposit and Discount Bank Auto Loan Rates

The Fidelity Deposit and Discount Bank Personal Loan Rates

The Fidelity Deposit and Discount Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

The Fidelity Deposit and Discount Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About The Fidelity Deposit and Discount Bank

Does The Fidelity Deposit and Discount Bank offer CDs?

Are CDs from The Fidelity Deposit and Discount Bank FDIC insured?

What is the highest CD rate at The Fidelity Deposit and Discount Bank?

What CD terms does The Fidelity Deposit and Discount Bank offer?

What is the highest savings rate at The Fidelity Deposit and Discount Bank?

What is the highest money market rate at The Fidelity Deposit and Discount Bank?

What is the highest checking rate at The Fidelity Deposit and Discount Bank?

What is the lowest 30 year fixed mortgage rate at The Fidelity Deposit and Discount Bank?

What is the lowest auto loan rate at The Fidelity Deposit and Discount Bank?

What is the lowest personal loan rate at The Fidelity Deposit and Discount Bank?

How many branches does The Fidelity Deposit and Discount Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does The Fidelity Deposit and Discount Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do The Fidelity Deposit and Discount Bank rates compare?

Current The Fidelity Deposit and Discount Bank Rates

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