Fidelity Bank CD Rates and Details for 2025
Written by
Sarah Sharkey
Edited by
Elizabeth Constantineau
Commitment to Our Readers
GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
20 Years
Helping You Live Richer
Reviewed
by Experts
Trusted by
Millions of Readers
Fidelity Bank’s certificate of deposit (CD) rates vary based on your relationship with the bank and the amount you keep in eligible Fidelity deposit accounts. Customers with Platinum or Performance checking can qualify for the highest APYs on Fidelity Bank CDs.
Current Fidelity Bank CD Rates: December 2025
Fidelity Bank offers CD terms ranging from 3 to 120 months. In general, the more you deposit into a CD, the higher the annual percentage yield (APY). You’ll need to have — or open — a Fidelity checking account, and both your account type and deposit amount influence the rate you receive.
Here are the current CD rates:
| Term | Reliance APY | Relationship APY | Platinum and Performance APY |
|---|---|---|---|
| 3 months | – | – | – |
| 6 months | – | – | – |
| 9 months | – | – | – |
| 12 months | – | – | – |
| 18 months | – | – | – |
| 24 months | – | – | – |
| 30 months | – | – | – |
| 36 months | – | – | – |
| 48 months | – | – | – |
| 60 months | – | – | – |
| 84 months | – | – | – |
| 120 months | – | – | – |
Promotional CD Rates
Fidelity Bank occasionally offers promotional rates for CDs that are opened in a branch. Currently, there is one term available:
| Term | APY |
|---|---|
| 6 month |
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 rates
- Personalized service at local branches
Cons
- Can find higher rates with online banks
- Early withdrawal penalties
- Promotional CDs can only be opened in a branch
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 | Reliance | 12 months | $9.50 | |
| $10,000 | Relationship | 12 months | $100 | |
| $500,000 | Platinum & Performance | 12 months | $6,750 |
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.
Fidelity offers four checking options, each with its own minimum deposit and fee-waiver requirements.
| Account | Minimum Deposit | Monthly Fee | How To Waive the Fee |
|---|---|---|---|
| Reliance Checking | $25 | $7 | -Make at least 10 point of sale (POS) transactions -Receive $400 in monthly direct deposits -Maintain a $1,500 average daily balance |
| Relationship Checking | $100 | $15 | -Maintain $10,000 combined balance across accounts -Receive $2,500 in monthly direct deposits -Make 15 POS transactions |
| Performance Checking | $500 | $25 | -Maintain $30,000 combined balance across accounts -Receive $4,000 in monthly direct deposits |
| Platinum Checking | $1,000 | $25 | -Maintain $30,000 combined balance across accounts -Receive $4,000 in monthly direct deposits |
Once you’ve opened a checking account, you can apply for a Fidelity Bank CD. Most CDs can be opened online, though promotional CDs may require a branch visit or additional steps.
Fidelity CD Rates vs. Other CD Rates
Outside of its promotional offers, Fidelity Bank’s CD APYs tend to fall below what you’ll find at many online-only banks, which often offer higher yields and lower minimums.
Here’s how Fidelity compares on a 6-month term:
| Bank | APY |
|---|---|
| Fidelity Bank | Up to |
| CIT Bank | |
| Marcus by Goldman Sachs |
Is a Fidelity CD Right for You?
Fidelity Bank CDs may be a better fit for customers with Platinum or Performance Checking who plan to lock in their money for a longer term to earn the best available APYs. If you’re looking for higher short-term yields or more flexible options, you may be better served by an online bank.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Nov. 25, 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.
