Bank · FDIC insured
Fidelity Bank & Trust CD Rates
Fidelity Bank & Trust’s best CD rate is 4.10% APY on a 27-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Fidelity Bank & Trust’s CD rates compare
Compared with banks and credit unions near Dubuque, IA, where Fidelity Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Fidelity Bank & Trust
4.10%APY
- Term
- 27 months
- Minimum
- $500
- Earns on $10,000
- $946
Certificate of Deposit
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
Fidelity Bank & Trust CD score
81
CD score
Higher than 57% of U.S. banks and credit unions
- 3–8 months3–8 mo1.71%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo2.77%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Fidelity Bank & Trust ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.10%APY · 10 terms
Penalty for early withdrawal for CDs. Fees may reduce earnings. Consumer rates only. Open a CD with $500 or more. Interest can be mailed semi-annually, compounded semi-annually, or credited to checking/savings.
| Term | APY · $500 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 months | 1.71% | — | 1.71% | 1.71% | 1.96% | 1.71%1.71% $250k–$500k1.71% $500k–$1,000k1.96% from $1,000k | $86 |
| 11 monthsCD Special. Other restrictions apply. See bank for details | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75%3.75% $100k–$250k3.75% $250k–$500k3.75% $500k–$1,000k3.75% from $1,000k | $343 |
| 12 months | 2.31% | 2.31% | 2.31% | 2.31% | 2.57% | 2.31%2.31% $100k–$250k2.31% $250k–$500k2.31% $500k–$1,000k2.57% from $1,000k | $231 |
| 18 months | 2.36% | 2.36% | 2.36% | 2.36% | 2.62% | 2.36%2.36% $100k–$250k2.36% $250k–$500k2.36% $500k–$1,000k2.62% from $1,000k | $356 |
| 19 monthsCD Special. Other restrictions apply. See bank for details | 4.00% | 4.00% | 4.00% | 4.00% | — | 4.00%4.00% $100k–$250k4.00% $250k–$500k4.00% $500k–$1,000k | $641 |
| 27 monthsCD Special. Other restrictions apply. See bank for details | 4.10% | 4.10% | 4.10% | 4.10% | 4.10% | 4.10%4.10% $100k–$250k4.10% $250k–$500k4.10% $500k–$1,000k4.10% from $1,000k | $946 |
| 30 monthsEarly withdrawal penalty is loss of 365 days interest | 2.47% | 2.47% | 2.47% | 2.47% | 2.72% | 2.47%2.47% $100k–$250k2.47% $250k–$500k2.47% $500k–$1,000k2.72% from $1,000k | $629 |
| 36 months36-month term. Early-withdrawal penalty is loss of 365 days' interest | — | — | — | 2.57% | — | —2.57% $500k–$1,000k | — |
| 36 monthsEarly withdrawal penalty is loss of 365 days interest | 2.57% | 2.57% | 2.57% | — | 2.82% | 2.57%2.57% $100k–$250k2.57% $250k–$500k2.82% from $1,000k | $791 |
| 48 monthsEarly withdrawal penalty is loss of 365 days interest | 2.67% | 2.67% | 2.67% | 2.67% | 2.92% | 2.67%2.67% $100k–$250k2.67% $250k–$500k2.67% $500k–$1,000k2.92% from $1,000k | $1,112 |
| 60 monthsEarly withdrawal penalty is loss of 365 days interest | 2.77% | 2.77% | 2.77% | 2.77% | 3.02% | 2.77%2.77% $100k–$250k2.77% $250k–$500k2.77% $500k–$1,000k3.02% from $1,000k | $1,464 |
Sources (2)
All captured Sep 26, 2026
Special-purpose accounts
IRA CD
Up to 4.10%APY · 11 terms
IRA CD term investments. CD term does not allow contributions until maturity. Not all CD Specials apply to IRA Time Certificates. Penalty for early withdrawal for CDs. Fees may reduce earnings. Consumer rates only.
| Term | APY · $500 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 months | 1.71% | 1.71% | 1.71% | 1.71% | 1.96% | 1.71%1.71% $100k–$250k1.71% $250k–$500k1.71% $500k–$1,000k1.96% from $1,000k | $43 |
| 6 months | 1.71% | 1.71% | 1.71% | 1.71% | 1.96% | 1.71%1.71% $100k–$250k1.71% $250k–$500k1.71% $500k–$1,000k1.96% from $1,000k | $86 |
| 11 monthsCD Special. Not all CD Specials apply to IRA Time Certificates. Other restrictions apply. See bank for details | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75%3.75% $100k–$250k3.75% $250k–$500k3.75% $500k–$1,000k3.75% from $1,000k | $343 |
| 12 months | 2.31% | 2.31% | 2.31% | 2.31% | 2.57% | 2.31%2.31% $100k–$250k2.31% $250k–$500k2.31% $500k–$1,000k2.57% from $1,000k | $231 |
| 18 months | 2.36% | 2.36% | 2.36% | 2.36% | 2.62% | 2.36%2.36% $100k–$250k2.36% $250k–$500k2.36% $500k–$1,000k2.62% from $1,000k | $356 |
| 19 monthsCD Special. Not all CD Specials apply to IRA Time Certificates. Other restrictions apply. See bank for details | 4.00% | 4.00% | 4.00% | 4.00% | 4.00% | 4.00%4.00% $100k–$250k4.00% $250k–$500k4.00% $500k–$1,000k4.00% from $1,000k | $641 |
| 27 monthsCD Special. Not all CD Specials apply to IRA Time Certificates. Other restrictions apply. See bank for details | 4.10% | 4.10% | 4.10% | 4.10% | 4.10% | 4.10%4.10% $100k–$250k4.10% $250k–$500k4.10% $500k–$1,000k4.10% from $1,000k | $946 |
| 30 monthsEarly withdrawal penalty is loss of 365 days interest | 2.47% | 2.47% | 2.47% | 2.47% | 2.72% | 2.47%2.47% $100k–$250k2.47% $250k–$500k2.47% $500k–$1,000k2.72% from $1,000k | $629 |
| 36 monthsEarly withdrawal penalty is loss of 365 days interest | 2.57% | 2.57% | 2.57% | 2.57% | 2.82% | 2.57%2.57% $100k–$250k2.57% $250k–$500k2.57% $500k–$1,000k2.82% from $1,000k | $791 |
| 48 monthsEarly withdrawal penalty is loss of 365 days interest | 2.67% | 2.67% | 2.67% | 2.67% | 2.92% | 2.67%2.67% $100k–$250k2.67% $250k–$500k2.67% $500k–$1,000k2.92% from $1,000k | $1,112 |
| 60 monthsEarly withdrawal penalty is loss of 365 days interest | 2.77% | 2.77% | 2.77% | 2.77% | 3.02% | 2.77%2.77% $100k–$250k2.77% $250k–$500k2.77% $500k–$1,000k3.02% from $1,000k | $1,464 |
Sources (2)
All captured Sep 26, 2026
College Fund CD
3.53%APY
Open with $25 minimum. To open, one person over age 18 required as joint owner or agent. Funds accessible at age 16; account matures when child reaches age 25. Up to three withdrawals per year are allowed after age 16 without interest penalty. Additional withdrawals after age 16, and any withdrawal before age 16, are subject to a 90-day interest penalty. Funds remaining after age 25 do not accrue additional earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum to open $25. Terms per College Fund CD description.Any balance | 3.53% | $353 | Minimum to open $25. Terms per College Fund CD description. |
Sources (2)
All captured Oct 16, 2026
IRA Preferred Rate Savings CD
2.02%APY
Minimum deposit of $50,000 to open and a minimum maintenance balance of $50,000. Rollovers and transfers are accepted. Rate may change at any time.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Rate may change at any time. | 2.02% | $202 | Rate may change at any time. |
| $50,000 and upRate may change at any time. | 2.78% | — | Rate may change at any time. |
IRA Savings CD
2.02%APY
Allows convenience to contribute to investment at any time throughout the year. The rate of interest may change at any time.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Rate may change at any time. | 2.02% | $202 | Rate may change at any time. |
| $50,000 and upRate may change at any time. | 2.52% | — | Rate may change at any time. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.