Bank · FDIC insured
Fidelity Bank CD Rates
Top CarrotFidelity Bank’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Fidelity Bank’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Fidelity Bank has the most branches. $10,000, best rate first.
This bank’s best
Fidelity Bank
4.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $400
Certificate of Deposit (CD)
Top rate
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
Central One Federal Credit Union
4.45%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $559
Fidelity Bank CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo3.90%
- QualifiedQualified4.00%
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.
Certificate of Deposit (CD)
Up to 4.00%APY · 9 terms
Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsOne penalty-free withdrawal per term after seven days from account opening | 3.50% | $86 |
| 3 monthsRequires Plus Spending relationship. One penalty-free withdrawal per term after seven days from account opening | 3.53% | $87 |
| 3 monthsRequires Premier Spending relationship. One penalty-free withdrawal per term after seven days from account opening | 3.55% | $88 |
| 6 months | 3.65% | $181 |
| 6 monthsRequires Plus Spending relationship | 3.68% | $182 |
| 6 monthsRequires Premier Spending relationship | 3.70% | $183 |
| 9 months | 3.80% | $284 |
| 9 monthsRequires Plus Spending relationship | 3.83% | $286 |
| 9 monthsRequires Premier Spending relationship | 3.85% | $287 |
| 12 months | 3.95% | $395 |
| 12 monthsRequires Plus Spending relationship | 3.98% | $398 |
| 12 monthsRequires Premier Spending relationship | 4.00% | $400 |
| 18 months | 3.80% | $575 |
| 18 monthsRequires Plus Spending relationship | 3.83% | $580 |
| 18 monthsRequires Premier Spending relationship | 3.85% | $583 |
| 24 months | 3.85% | $785 |
| 24 monthsRequires Plus Spending relationship | 3.88% | $791 |
| 24 monthsRequires Premier Spending relationship | 3.90% | $795 |
| 36 months | 3.85% | $1,200 |
| 36 monthsRequires Plus Spending relationship | 3.88% | $1,210 |
| 36 monthsRequires Premier Spending relationship | 3.90% | $1,216 |
| 48 months | 3.55% | $1,497 |
| 48 monthsRequires Plus Spending relationship | 3.58% | $1,511 |
| 48 monthsRequires Premier Spending relationship | 3.60% | $1,520 |
| 60 months | 3.55% | $1,906 |
| 60 monthsRequires Plus Spending relationship | 3.58% | $1,923 |
| 60 monthsRequires Premier Spending relationship | 3.60% | $1,934 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate of Deposit (CD)
Up to 4.00%APY · 8 terms
Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.65% | $181 |
| 6 monthsRequires Plus Spending relationship | 3.68% | $182 |
| 6 monthsRequires Premier Spending relationship | 3.70% | $183 |
| 9 months | 3.80% | $284 |
| 9 monthsRequires Plus Spending relationship | 3.83% | $286 |
| 9 monthsRequires Premier Spending relationship | 3.85% | $287 |
| 12 months | 3.95% | $395 |
| 12 monthsRequires Plus Spending relationship | 3.98% | $398 |
| 12 monthsRequires Premier Spending relationship | 4.00% | $400 |
| 18 months | 3.80% | $575 |
| 18 monthsRequires Plus Spending relationship | 3.83% | $580 |
| 18 monthsRequires Premier Spending relationship | 3.85% | $583 |
| 24 months | 3.85% | $785 |
| 24 monthsRequires Plus Spending relationship | 3.88% | $791 |
| 24 monthsRequires Premier Spending relationship | 3.90% | $795 |
| 36 months | 3.85% | $1,200 |
| 36 monthsRequires Plus Spending relationship | 3.88% | $1,210 |
| 36 monthsRequires Premier Spending relationship | 3.90% | $1,216 |
| 48 months | 3.55% | $1,497 |
| 48 monthsRequires Plus Spending relationship | 3.58% | $1,511 |
| 48 monthsRequires Premier Spending relationship | 3.60% | $1,520 |
| 60 months | 3.55% | $1,906 |
| 60 monthsRequires Plus Spending relationship | 3.58% | $1,923 |
| 60 monthsRequires Premier Spending relationship | 3.60% | $1,934 |
Sources (2)
All 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.