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Loan Rates

Our rates quoted are for clients with auto-deduct from a Relationship and Performance Checking account, or any Choice products.

  • 1.00% to rates for any customer without auto-deduct.
  • .50% to rates for non-package or non-relationship checking account with auto-deduct.

There is a $50 document preparation fee on all consumer loans and credit report fee of $7.

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: Tuesday March 21, 2023
ProductTermAPR Monthly Payment Per $1,000 BorrowedApply Today
New and Used 2019 & newer Vehicles60 Months6.47%$19.55Apply
72 Months6.94%$17.02
84 Months7.44%$15.31
Used 2018/2017 Vehicles60 Months6.97%$19.79Apply
72 Months*7.19%$17.14Apply
Used 2016/2015 Vehicles60 Months7.52%$20.05Apply
Used 2013/2014 Vehicles60 Months7.95%$20.25Apply
Used (Older than 2013 Vehicles)48 Months8.83%$24.80Apply

*Mileage = 40,000 or less

Personal Loans

Effective Date: Tuesday March 21, 2023
ProductTermRateAPR (ANNUAL PERCENTAGE RATE)MONTHLY PAYMENT PER $1,000 BORROWEDApply Now
Personal Unsecured Loans up to $10,000 for a term of up to 60 months.260 Months10.99%11.23%$21.33Apply
Personal Secured Loans up to $20,000 for term of up to 60 months.60 Months10.04%10.16%$22.47Apply

Preferred Credit

Effective Date: Tuesday March 21, 2023
ProductTermAPR (Annual Percentage Rate)Monthly 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. $50 document preparation fee and $6.00 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.

1APR based on $10,000 loan. Rates are based on a credit score of 740 or better with Auto-Pay from a Fidelity Bank Relationship or Performance Checking account; or Fidelity Bank Choice Banking (Fidelity Bank, Classic or Green Choice Checking) account only. Other rates and terms are available; contact your local branch or call 1-800-388-4380 for details. Financing available up to 100% on new autos. Financing up to the amount of the NADA book average loan value on used autos.

2APR based on $5,000 loan. Rates are based on a credit score of 740 or better with Auto-Pay from a Fidelity Bank Relationship or Performance Checking account; or Fidelity Bank Choice Banking (Fidelity Bank, Classic or Green Choice Checking) account only. 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.

3APR based on $20,000 loan. Rates are based on a credit score of 740 or better with Auto-Pay from a Fidelity Relationship or Performance Checking account; or Fidelity Bank Choice Banking (Fidelity Bank, Classic or Green Choice Checking) account only. 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.