Bank · FDIC insured
Fidelity Bank CD Rates
Fidelity Bank’s best CD rate is 4.50% APY on a 20-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Fidelity Bank’s CD rates compare
Compared with banks and credit unions near Ames, IA, where Fidelity Bank has the most branches. $10,000, best rate first.
This bank’s best
Fidelity Bank
4.50%APY
- Term
- 20 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $761
CD Special Offers
2nd-highest rate
Midwest Heritage
4.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $920
3rd-highest rate
Northwest Bank
4.50%APY
- Term
- 26 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $1,001
Fidelity Bank CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo0.50%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo1.25%
- QualifiedQualified4.50%
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 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.
CD Special Offers
Up to 4.50%APY · 2 terms
Exclusive for new depository money. Zero setup or maintenance fees. Subject to credit qualifications. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsRollover into a 12-month term at maturity, current 12-month term CD rates will apply | 4.25% | $353 |
| 20 monthsRollover into a 24-month term at maturity, current 24-month term CD rates will apply | 4.50% | $761 |
Sources (2)
All captured Oct 6, 2026
Certificates of Deposit
Up to 1.25%APY · 8 terms
No setup or maintenance fees. Fixed rate CD terms. Subject to credit qualifications. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsVisit branch to open | 0.25% | $6 |
| 6 months | 0.50% | $25 |
| 12 months | 0.75% | $75 |
| 18 months | 0.95% | $143 |
| 24 months | 1.00% | $201 |
| 36 monthsVisit branch to open | 1.10% | $334 |
| 48 monthsVisit branch to open | 1.20% | $489 |
| 60 monthsVisit branch to open | 1.25% | $641 |
Sources (2)
All captured Oct 6, 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.