Bank · FDIC insured
Fidelity Bank CD Rates
Fidelity Bank’s best CD rate is 3.90% APY on a 1-year CD. Terms run from 1 year to 2 years. Rates checked October 22, 2026.
How Fidelity Bank’s CD rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where Fidelity Bank has the most branches. $10,000, best rate first.
This bank’s best
Fidelity Bank
3.90%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $390
Certificates of Deposit (CDs)
Top rate
Paragon Bank
4.39%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $476
2nd-highest rate
UT Federal Credit Union
4.25%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $246
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
Up to 3.90%APY · 4 terms
Automatically renewable with a 10-day grace period. Notices mailed 2 weeks prior to maturity. Early withdrawal penalties may apply. Maintenance or fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm: 14-90 Days | 2.10% | $0 |
| UnknownTerm: 182-364 Days | 3.60% | $0 |
| UnknownTerm: 91-181 Days | 3.00% | $0 |
| 12 months | 3.90% | $390 |
| 18 months | 2.85% | $431 |
| 24 months | 2.80% | $568 |
Sources (1)
- fidelitybanker.com/accounts/cds-iras · captured Oct 15, 2026
Special-purpose accounts
IRA (Fixed)
Up to 3.90%APY · 2 terms
Fixed rate IRA certificate. Early withdrawal penalties may apply. Maintenance or fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.60% | $178 |
| 12 months | 3.90% | $390 |
Sources (1)
- fidelitybanker.com/accounts/cds-iras · captured Oct 15, 2026
IRA (Variable)
2.85%APY · 1 term
Variable rate IRA certificate. Early withdrawal penalties may apply. Maintenance or fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 2.85% | $431 |
Sources (1)
- fidelitybanker.com/accounts/cds-iras · captured Oct 15, 2026
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.