Certificates of Deposit

Certificates of Deposit

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If you have money to invest but you prefer a more conservative savings strategy, Certificates of Deposit (CDs) are a great choice. With one of our Fidelity Bank CD products you can earn a guaranteed fixed rate of return on a flexible, secure investment.

Get rewarded for saving with a promotional CD!

10-month Certificate of Deposit
15-month Certificate of Deposit

4.35% APY+

4.60% APY*
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Our relationship managers are experts at helping you find CD products to fit your needs and lifestyle. Offerings include:

  • Long-term CD
  • IRA CDs

All our Certificates of Deposit feature:

  • Safe, secure, steady growth
  • Guaranteed returns
  • Higher interest rates
  • A penalty may be imposed for withdrawals before maturity
+Annual Percentage Yield (APY) current as of July 27, 2023. Offer may change or discontinue at any time. Certificate of Deposit promotional offer requires a new or existing Fidelity Bank checking account. Advertised fixed rate is available when a minimum of $10,000 of money not currently held at Fidelity Bank is deposited. Please note that if you are an IRA account holder, contribution limits may apply, but you may still be eligible for the promotion. Fees may reduce earnings. Earnings may be reported to the IRS for tax purposes. After the 10-month APY, the Certificate of Deposit renews into the bank’s standard 12-month term as stated in account opening disclosures. Rate may change with certificate of deposit renewal. A penalty may be imposed for withdrawals before maturity.

Various rates available. For example, Reliance Checking account clients can open a three (3) month CD and earn 0.65% APY for deposits of $1,000.00 – $24,999.99, or a one hundred and twenty (120) month CD and earn 1.55% APY for deposits $500,000.00+. Rates effective as of 07/27/2023.
*Annual Percentage Yield (APY) current as of July 27, 2023. Offer may change or discontinue at any time. Certificate of Deposit promotional offer requires a new or existing Fidelity Bank checking account. Advertised fixed rate is available when a minimum of $10,000 of money not currently held at Fidelity Bank is deposited. Please note that if you are an IRA account holder, contribution limits may apply, but you may still be eligible for the promotion. Fees may reduce earnings. Earnings may be reported to the IRS for tax purposes. After the 15-month APY, the Certificate of Deposit renews into the bank’s standard 12-month term as stated in account opening disclosures. Rate may change with certificate of deposit renewal. A penalty may be imposed for withdrawals before maturity.

Various rates available. For example, Reliance Checking account clients can open a three (3) month CD and earn 0.65% APY for deposits of $1,000.00 – $24,999.99, or a one hundred and twenty (120) month CD and earn 1.55% APY for deposits $500,000.00+. Rates effective as of 07/27/2023.
Effective Date: Saturday September 23, 2023
$1,000 Minimum to openReliance CheckingReliance CheckingRelationship CheckingRelationship CheckingPlatinum & Performance CheckingPlatinum & Performance Checking
TermRateAPYRateAPYRateAPY
3 Months
$1,000 – $24,9990.650%0.65%0.700%0.70%0.750%0.75%
$25,000 – $99,9990.950%0.95%1.000%1.00%1.050%1.05%
$100,000 – $499,9991.050%1.05%1.100%1.10%1.150%1.15%
$500,000 or more1.150%1.15%1.200%1.20%1.250%1.25%
6 Months
$1,000 – $24,9990.850%0.85%0.900%0.90%0.950%0.95%
$25,000 – $99,9990.950%0.95%1.000%1.00%1.050%1.05%
$100,000 – $499,9991.050%1.05%1.100%1.10%1.150%1.15%
$500,000 or more1.150%1.15%1.200%1.20%1.250%1.25%
9 Months
$1,000 – $24,9990.950%0.95%1.000%1.00%1.050%1.05%
$25,000 – $99,9990.950%0.95%1.000%1.00%1.050%1.05%
$100,000 – $499,9991.050%1.05%1.100%1.10%1.150%1.15%
$500,000 or more1.150%1.15%1.200%1.20%1.250%1.25%
12 Months
$1,000 – $24,9990.950%0.95%1.000%1.00%1.050%1.05%
$25,000 – $99,9991.050%1.05%1.100%1.10%1.150%1.15%
$100,000 – $499,9991.150%1.15%1.200%1.20%1.250%1.25%
$500,000 or more1.250%1.25%1.300%1.30%1.350%1.35%
18 Months
$1,000 – $24,9990.947%0.95%0.996%1.00%1.046%1.05%
$25,000 – $99,9991.046%1.05%1.095%1.10%1.145%1.15%
$100,000 – $499,9991.145%1.15%1.195%1.20%1.244%1.25%
$500,000 or more1.244%1.25%1.294%1.30%1.343%1.35%
24 Months
$1,000 – $24,9990.947%0.95%0.996%1.00%1.046%1.05%
$25,000 – $99,9991.046%1.05%1.095%1.10%1.145%1.15%
$100,000 – $499,9991.145%1.15%1.195%1.20%1.244%1.25%
$500,000 or more1.244%1.25%1.294%1.30%1.343%1.35%
30 Months
$1,000 – $24,9991.046%1.05%1.095%1.10%1.145%1.15%
$25,000 – $99,9991.145%1.15%1.195%1.20%1.244%1.25%
$100,000 – $499,9991.244%1.25%1.294%1.30%1.343%1.35%
$500,000 or more1.343%1.35%1.393%1.40%1.442%1.45%
36 Months
$1,000 – $24,9991.046%1.05%1.095%1.10%1.145%1.15%
$25,000 – $99,9991.145%1.15%1.195%1.20%1.244%1.25%
$100,000 – $499,9991.244%1.25%1.294%1.30%1.343%1.35%
$500,000 or more1.343%1.35%1.393%1.40%1.442%1.45%
48 Months
$1,000 – $24,9991.095%1.10%1.145%1.15%1.195%1.20%
$25,000 – $99,9991.195%1.20%1.244%1.25%1.294%1.30%
$100,000 – $499,9991.294%1.30%1.343%1.35%1.393%1.40%
$500,000 or more1.393%1.40%1.442%1.45%1.492%1.50%
60 Months
$1,000 – $24,9991.095%1.10%1.145%1.15%1.195%1.20%
$25,000 – $99,9991.195%1.20%1.244%1.25%1.294%1.30%
$100,000 – $499,9991.294%1.30%1.343%1.35%1.393%1.40%
$500,000 or more1.393%1.40%1.442%1.45%1.492%1.50%
84 Months
$1,000 – $24,9991.294%1.30%1.343%1.35%1.393%1.40%
$25,000 – $99,9991.393%1.40%1.442%1.45%1.492%1.50%
$100,000 – $499,9991.442%1.45%1.492%1.50%1.541%1.55%
$500,000 or more1.541%1.55%1.590%1.60%1.640%1.65%
120 Months
$1,000 – $24,9991.294%1.30%1.343%1.35%1.393%1.40%
$25,000 – $99,9991.393%1.40%1.442%1.45%1.492%1.50%
$100,000 – $499,9991.442%1.45%1.492%1.50%1.541%1.55%
$500,000 or more1.541%1.55%1.590%1.60%1.640%1.65%

2 All CDs are auto-renewable; penalty may be imposed for early withdrawal.

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For more information or questions, please contact us by phone at 1-800-388-4380 or email us at Fidelity@fddbank.com.

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