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Loan Rates

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 client 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: Wednesday December 06, 2023
ProductTerm (Months)RateAPRMonthly Payment*Appy Today
New/Used Cars 2021 & Above608.00%8.23%$20.39Apply Today
New/Used Cars 2021 & Above728.15%8.34%$17.10Apply Today
New/Used Cars 2021 & Above808.79%8.97%$16.65Apply Today
Used Cars 2020, 2019 & 2018608.25%8.48%$20.51Apply Today
Used Cars 2020, 2019 & 2018728.40%8.59%$17.82Apply Today
Used Cars 2017 & 2016608.80%9.03%$20.77Apply Today
Used Cars 2015 & 2014489.20%9.45%$25.10Apply Today
Older Cars4810.04%10.34%$25.53Apply Today

*Per $1,000 borrowed.

Mileage = 40,000 or less

Personal Loans

Effective Date: Wednesday December 06, 2023
ProductTermRateAPRMonthly 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: Wednesday December 06, 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.