Certificates of Deposit

Certificates of Deposit

Get Started

Open Account Open a Certificates of Deposit Account.Contact Us Contact Us onlineView Rates 

Get rewarded for saving with a promotional CD!

10-Month Certificate of Deposit

4.50% APY+

Grow your savings with this limited-time special Certificate of Deposit offer from Fidelity Bank!

Certificates of Deposit offer a reliable way to ensure your funds remain secure, providing peace of mind. Don’t miss your opportunity to benefit from one of the most competitive rates available and secure a higher return compared to traditional savings accounts.

  • Interest is paid upon maturity of your account (10 months)
  • Easily view your current balance in Online Banking and the Fidelity Mobile Banking App

Take advantage of this limited-time offer by visiting your local Fidelity Bank branch!

Open Now

Certificates of Deposit:

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.

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

 

To apply for a Certificate of Deposit, click the “Open Account” button in the sidebar or contact a banker by calling 1-800-388-4380!

(Promotional CDs can only be opened at one of our branches)
+Annual Percentage Yield (APY) current as of August 12, 2024. Offer may change or discontinue at any time. Certificate of Deposit promotional offer requires a new or existing Fidelity Bank Relationship or Performance 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. Interest is paid upon maturity of account (10 months). 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 01/25/2024.
Effective Date: Friday December 13, 2024
$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.

Need help?

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

Resource Center

Fidelity Bank offers a variety of convenient resources and tools. Educational articles, Frequently Asked Questions, Instructional Videos and more are at your fingertips.

Security Center Image

Security Center
FAQs icon

FAQs
Videos Icon

Videos
Educational Articles

Educational Articles
Calculators icon

Calculators

Trust & Fiduciary Services

Learn More about Trust & Fiduciary Services

Smart Cents Saving

Learn More about Smart Cents Saving