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Loan Rates

Loan Rates

Our rates quoted are for clients with auto-deduct from a Fidelity Bank checking account.

  • .25% to rates for any client without auto-deduct.

There is a $75 document preparation fee on all consumer loans and credit report fee of $10.95.

All client loans are based on the top-tier credit score.

In addition to the below examples, other rates and terms are available.

Please contact your local branch or call 1-800-388-4380 for details.

Auto Loans 1

Effective Date: Friday May 23, 2025
ProductTerm (Months)RateAPRMonthly PaymentApply Today
New/Used Cars 2023 & Above634.850%4.994%$452.02Apply
Used Cars 2022/2021/2020635.840%5.985%$463.51Apply
Used Cars 2019/2018637.350%7.498%$481.33Apply
Used Cars 2017/2016577.750%7.912%$527.68Apply
Older Cars488.590%8.782%$619.63Apply

Payment and APR based on an amount financed of $25,000

Please note that the interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here. The interest rates and annual percentage rates (APRs) shown above are subject to change without notice. The actual interest rate offered is based on your credit history, product, and loan term. Your APR will vary based on your final loan amount and actual finance charges. 

Personal Loans

Effective Date: Friday May 23, 2025
ProductTermRateAPRMonthly Payment Per $1,000 BorrowedApply Now
Personal Unsecured Loans up to $10,000 for a term of up to 60 months.236 Months9.99%10.578%$35.04Apply
Personal Secured Loans up to $20,000 for term of up to 60 months.36 Months9.37%9.956%$34.73Apply

Preferred Credit

Effective Date: Friday May 23, 2025
ProductTermAPRMonthly Payment per $1,000 BorrowedHow to Apply
Preferred Credit Loans provide overdraft protection on a Fidelity Bank checking account. Loan amount can be up to $5,000. Preferred Credit Loans have a $30 annual fee.Demand15.00%3% of the balance plus interestContact Us

Rates and are subject to change.

All consumer loan rates are based on a credit score of 740 or better; other rates and terms are available. Contact your local branch or call 1-800-388-4380 for details. $75 document preparation fee and $10.95 credit report fee on all consumer loans.

Fidelity Bank offers many different types of installment loans including Personal Unsecured and Secured, Time Loans and Land Loans.

  1. APR based on $10,000 loan. Rates are based on a credit score of 740 or better with Auto-Pay. Other rates and terms are available; contact your local branch or call 1-800-388-4380 for details. Financing available up to 110% on new autos. Financing up to the amount of the NADA book average loan value on used autos.
  2. APR based on $5,000 loan. Rates are based on a credit score of 740 or better with Auto-Pay. Other rates and terms are available, contact your local branch or call 1-800-388-4380 for details. Fidelity Bank offers many different types of installment loans including Personal Unsecured and Secured, Time Loans and Land Loans.
  3. APR based on $20,000 loan. Rates are based on a credit score of 740 or better with Auto-Pay. Other rates and terms are available, contact your local branch or call 1-800-388-4380 for details. Fidelity Bank offers many different types of installment loans including Personal Unsecured and Secured, Time Loans and Land Loans.