Fidelity CD Rates and Terms for 2025
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
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Fidelity CD rates can be competitive, especially if you’re looking for brokered CDs through a trusted brokerage platform. Unlike traditional bank CDs, Fidelity’s CDs are tradable, flexible and offered from multiple issuers — giving investors access to potentially better yields and a broader selection.
Current Fidelity CD Rates: September 2025
Here are the current Fidelity CD rates for new issue brokered CDs:
| Term | APY |
|---|---|
| 3 months | |
| 6 months | |
| 9 months | |
| 12 months | |
| 18 months | |
| 2 years | |
| 3 years | |
| 4 years | |
| 5 years |
How Do Brokered CDs Differ From Bank CDs?
Brokered CDs and bank CDs may seem similar, but there are a few key differences to keep in mind.
| Feature | Brokered CDs | Bank CDs |
|---|---|---|
| Access | Available through multiple banks via a brokerage firm | Only available directly from the issuing bank |
| Tradability | Can be bought and sold on the secondary market | Locked in until maturity, non-tradable |
| Rates | Often more competitive due to market-based pricing | Generally lower, set by the bank |
| Liquidity | More liquid — can be sold before maturity | Less liquid — early withdrawals may incur penalties |
| Early withdrawal penalty | No penalties, but market fluctuations may affect resale value | Typically has penalties for early withdrawal |
Pros and Cons of Fidelity CDs
Here’s a look at some of the advantages and drawbacks of Fidelity CDs:
Pros
- Access to multiple issuers
- Competitive rates across terms
- Tradable on the secondary market
- FDIC insured
Cons
- No compounding interest
- Rates can change frequently
- Requires a brokerage account
How Much Can You Earn With a Fidelity CD?
Your potential earnings depend on how much you invest and the term you choose. Here are a few sample returns across different deposit amounts and time frames:
| Deposit Amount | Term | APY | Estimated Interest Earned |
|---|---|---|---|
| $1,000 | 1 year | $39 | |
| $5,000 | 2 years | $397.60 | |
| $10,000 | 3 years | $1,167.71 | |
| $20,000 | 4 years | $3,262.48 |
How To Open a Fidelity CD
Opening a Fidelity CD is a relatively straightforward process. Here is a step-by-step guide:
- Go to the Fidelity website.
- Log into your Fidelity brokerage account.
- Navigate to the “Fixed Income Section.”
- Select the “CDs” tab.
- Look for the section labeled “New Issue CDs.”
- You can filter the options based on term length, interest rate, issuer and minimum investment.
- Select and purchase the CD.
What’s Required To Open a Fidelity CD?
- A brokerage account with Fidelity is required to purchase CDs.
- You must be 18 to open a brokerage account.
- You have to provide identification in the form of a government ID or passport. You must also provide your Social Security number.
- You must have a valid U.S. address.
- You need sufficient funds in your brokerage account to fund the CD.
How Fidelity CD Rates Compare to Other Banks
When shopping around for the best CD account for you, it helps to compare varying issuing banks or brokerage firms. Fidelity CD rates do fluctuate more than bank CDs, but their rates are competitive.
Here is how Fidelity stacks up:
| Bank or Brokerage | 6-Month APY | 1-Year APY |
|---|---|---|
| Fidelity | ||
| Discover® Bank, Member FDIC | ||
| Marcus by Goldman Sachs | ||
| Ally Bank |
Finding the Best Fit: Look Beyond Just APY
While CD rates matter, it’s important to consider more than just returns when choosing a bank. Look at factors like account fees, other savings options and overall banking benefits to find the best fit for your needs.
MOST COMPARABLE
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No monthly service fee
None
$0
APY
APY
APY
Min Opening
Min Opening
Min Opening
$0
$0
$0
MOST COMPARABLE
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No monthly service fee
Early withdrawal penalty may apply
No monthly service fee
APY
APY
APY
Up to
Up to
Up to
Min Opening
Min Opening
Min Opening
$0
$500
$0
What’s the Best Fit For Your Goals?
Each savings option serves a different purpose — here’s how to match the right one to your financial needs.
- Fidelity brokered CDs: Ideal for investors seeking stable, competitive returns with FDIC protection and flexibility to trade before maturity. Best for medium to long-term goals.
- Bank CDs: Great for those who prefer simplicity and guaranteed returns, but expect limited access to funds.
- Treasuries: A solid pick for ultra-conservative savers who want tax benefits and maximum safety.
- Money market funds: Best for short-term savers who prioritize liquidity but don’t mind modest returns.
- High-yield savings accounts: Ideal for emergency funds and anyone needing frequent, penalty-free access to cash.
Is a Fidelity CD Right For You?
Fidelity CD rates are competitive and are best for investors who want flexibility. Because Fidelity gives you a choice of multiple CDs to invest in, with options such as call protection, these investments are best for investors with some knowledge and experience.
Interest rates rise and fall, but when you invest your money in a CD, you can get a guaranteed rate of return, which is comforting in today’s economy. No matter the brokerage firm or issuing bank, make sure you are getting an APY and term length that aligns with your financial goals.
Fidelity CD Rates: FAQ
Here are the answers to some frequently asked questions about Fidelity CD rates and features.- What is the minimum deposit for a Fidelity CD?
- Fidelity typically requires a minimum investment of $1,000 to purchase a new issue brokered CD.
- Do I need a Fidelity account to open a CD?
- Yes, you'll need to have a Fidelity brokerage account to buy a CD through the platform.
- Can I open a CD online?
- Yes, you can open and purchase a CD completely online through Fidelity's website.
- What happens if I withdraw before the term ends?
- Because Fidelity CDs are brokered, you can sell them on the secondary market before maturity. However, you may lose money if the market value has dropped.
- Are Fidelity CD rates competitive in 2025?
- Fidelity CD rates remain competitive in 2025. The platform gives you access to multiple issuers, which may offer higher yields than traditional banks.
More on Fidelity
- Fidelity vs. Vanguard
- Best Fidelity Index Funds
- Fidelity Routing Number
- Best Fidelity ETFs
- Fidelity vs. Robinhood
Caitlyn Moorhead, Dawn Allcot and Sarah Sharkey contributed to the reporting for this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Sept. 5, 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.
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- Fidelity Investments. "Fidelity Investments CDs."
