Fidelity Bank CD Rates for 2025
Written by
Sarah Sharkey
Edited by
Emily Gadd
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Fidelity Bank is a community bank with local branches in Northeastern Pennsylvania and the Lehigh Valley region. The bank first opened in 1902 and, in 1951, was the first U.S. bank to open a drive-through window.
Fidelity Bank offers different interest rates on certificates of deposit depending on your relationship with the bank and how much you hold in various Fidelity Bank deposit accounts. Platinum & Performance checking customers can earn the highest APYs on Fidelity Bank CDs.
What Are the Current Rates on CDs at Fidelity Bank?
Fidelity Bank offers CDs with terms from 3 months up to 120 months. In general, the more you save in a single CD account, the higher the APY.
At Fidelity Bank, you’ll need to open or have a Fidelity checking account. The type of checking account you have and the amount you deposit impacts your CD rates. The table below highlights the rates available:
| Term | Reliance APY | Relationship APY | Platinum & Performance APY |
|---|---|---|---|
| 10 month promotional CD | |||
| 3 months | – | – | – |
| 6 months | – | – | – |
| 9 months | – | – | – |
| 12 months | – | – | – |
| 18 months | – | – | – |
| 24 months | – | – | – |
| 30 months | – | – | – |
| 36 months | – | – | – |
| 48 months | – | – | – |
| 60 months | – | – | – |
| 84 months | – | – | – |
| 120 months | – | – | – |
As you can see from the chart above, Fidelity Bank rewards customers with higher interest rates on CDs based not just on the individual CD account balance and the term, but on the type of checking account you have.
Balances of $500,000 or higher earn the highest APYs at each tier. Customers who have a Platinum or Performance checking account can receive up to APY on an 84-month or 120-month CD. But the promotional CD available to all customers offers APY.
Pros and Cons of CDs at Fidelity
Fidelity CDs have a lot to offer, but that doesn’t mean they’re right for everyone. Here are some pros and cons to help you decide:
Pros
- FDIC-insured
- Special promo rate of APY on 10-month CD for April 2025
- Personalized service at local branches across Northeastern Pennsylvania
Cons
- Can find higher rates with neobanks and online banks
- Early withdrawal penalties
- $1,000 minimum opening depositÂ
How Much Can You Earn From a Fidelity CD?
If you decide to grow your funds through a Fidelity CD, here’s what you can expect to earn.
| Deposit Amount | Tier | Term Length | APY | Estimated Interest Earned |
|---|---|---|---|---|
| $1,000 | Promotional | 10 months | APY | $24.94 |
| $1,000 | Reliance | 12 months | APY | $9.50 |
| $1,000 | Relationship | 12 months | APY | $10 |
| $1,000 | Platinum & Performance | 12 months | APY | $10.50 |
| $100,000 | Reliance | 12 months | APY | $1,150 |
| $100,000 | Relationship | 12 months | APY | $1,200 |
| $100,000 | Platinum & Performance | 12 months | APY | $1,250 |
How to Open a CD with Fidelity
Before you can open a CD with Fidelity, you’ll need to open a checking account with the financial institution.
The bank offers four different types of checking accounts, including:
- Reliance Checking. This account requires a minimum deposit of $25. You’ll face a $7 monthly fee unless you make at least 10 point of sale (POS) transactions with your debit card, receive $400 in monthly direct deposits, or have an average daily balance of $1,500.
- Relationship Checking. This account requires a minimum deposit of $50. You must maintain a combined balance of $10,000 across your accounts, receive $2,500 in monthly direct deposits, or make at least 15 POS transactions with your debit card to avoid a $15 monthly fee.
- Performance Checking. Performance Checking account customers need a $500 minimum deposit to open an account. The checking account has a monthly fee of $25, but you can waive this fee with a minimum combined balance of $30,000 across Fidelity Bank accounts or $4,000 in monthly direct deposits.
- Platinum Checking. Platinum Checking customers are high-wealth individuals with a personal banking relationship at Fidelity Bank. These customers carry a higher average monthly balance and investment portfolio, although Fidelity Bank does not specify just how much money is needed in deposit accounts to qualify for the special privileges of a Platinum account.
Once you have the checking account required, you can open a Fidelity Bank CD.
Generally, you can open these CDs online. But if you want to open the promotional CD, you must do that a physical bank branch. For each of these CDs, you’ll need a minimum opening deposit of $1,000. But you’ll need to deposit at least $500,000 to obtain the highest offered rate for the term.
Fidelity CD Rates vs Other CDs
Apart from the special promotional offer, Fidelity Banks’s APYs for CDs are not as high as you may find with some online-only banks like CIT Bank or Marcus by Goldman Sachs, Member FDIC.
For example, CIT Bank’s 6-month CD comes with a APY. And Marcus by Goldman Sachs’ 6-month CD comes with a APY. Both of these rates are significantly higher than most rates offered through Fidelity Bank.
Is a Fidelity CD Right for You?
Fidelity Bank CDs are best for Fidelity Bank Platinum or Performance Checking customers who are willing to invest their money in a long-term CD to receive the highest interest rates.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of May 21, 2025.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
