Bank · FDIC insured
Fidelity Bank & Trust Savings Rates
Fidelity Bank & Trust’s best savings rate is 0.10% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Fidelity Bank & Trust’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $10
Money Market
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
Fidelity Bank & Trust savings score
75
Savings score
Higher than 39% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.15%
- QualifiedQualified2.59%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Snap $tack Savings
2.59%APY on $10,000
Must have Snap $tack Checking with $1,000.00 minimum average balance and Online/Mobile Banking with e-Statements. One debit card transaction and two auto transfers (ACH or Direct Deposit) required during qualification period (27th of the month through 26th of following month) to receive APY of 5.12% on the first $5,000. If qualifications are not met or on balances above $5,000.01, interest rate and APY is 0.05%.
| Part of the balance | Rate on that part |
|---|---|
| Up to $5,000 | 5.00% |
| Over $5,000 | 0.05% |
On $10,000 the tiers blend to about 2.59% APY, earning $259 a year.
Sources (1)
- bankfidelity.bank/customer-resources/rates/deposit-rates · captured Oct 16, 2026
Money Market
0.10%APY
Consumer rates only. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 0.10% | $10 |
| $100,000 – $250,000 | 0.15% | — |
| $250,000 – $500,000 | 0.25% | — |
| $250,000 – $500,000 | 0.20% | — |
| $500,000 – $1,000,000 | 0.45% | — |
| $1,000,000 and up | 0.55% | — |
Sources (2)
All captured Oct 16, 2026
Savings
0.05%APY
When the account has a zero balance for sixty consecutive days, the account will automatically close. Monthly withdrawal limits and quarterly compounding interest.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $49,999$25 to open | 0.05% | $25 | $5 |
| Up to $100,000Unknown to open | 0.05% | Unknown | $5 |
| $50,000 and up$25 to open | 0.05% | $25 | — |
| $100,000 – $250,000$25 to open | 0.05% | $25 | — |
| $250,000 – $500,000Unknown to open | 0.10% | Unknown | — |
| $500,000 – $1,000,000Unknown to open | 0.15% | Unknown | — |
| $1,000,000 and upUnknown to open | 0.25% | Unknown | — |
Special-purpose accounts
IRA Preferred Rate Savings
2.02%APY
Requires $50,000 minimum deposit to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 2.02% | $202 |
| $50,000 and up | 2.78% | — |
IRA Savings
2.02%APY
Traditional, Roth, and Education IRAs available. Tax-deferred or tax-free growth subject to IRS rules and contribution limits.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $49,999 | 2.02% | $202 |
| $50,000 and up | 2.52% | — |
Christmas Club
2.50%APY
Maximum deposit is $5,000 and maximum account balance is $15,000. Funds cannot be withdrawn prior to disbursement in October. One account per household. When the account has a zero balance for sixty consecutive days, the account will automatically close.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000One account per household. Maximum deposit $5,000; maximum balance $15,000. Funds disbursed in October.Up to $15,000 | 2.50% | $250 | One account per household. Maximum deposit $5,000; maximum balance $15,000. Funds disbursed in October. |
Health Savings Account
0.15%APY
Available to individuals covered by a high deductible health plan. When the account has a zero balance for sixty consecutive days, the account will automatically close. A deposit will reopen the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 0.15% | $15 |
| $50,000 and up | 0.15% | — |
| $100,000 – $250,000 | 0.15% | — |
| $250,000 – $500,000 | 0.15% | — |
| $500,000 – $1,000,000 | 0.15% | — |
| $1,000,000 and up | 0.15% | — |
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.