Bank · FDIC insured
Fidelity Bank Savings Rates
Fidelity Bank’s best savings rate is 1.76% APY on $10,000, with its Advantage Account. Rates checked October 16, 2026.
How Fidelity Bank’s savings rates compare
Compared with banks and credit unions near Waco, TX, where Fidelity Bank has the most branches. $10,000, best rate first.
This bank’s best
Fidelity Bank
1.76%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $176
Advantage Account
Top rate
Texell Credit Union
3.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Fidelity Bank savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.76%
- $100,000 balance$100,0002.78%
- QualifiedQualified1.76%
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 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.
Advantage Account
1.76%APY
Minimum $10,000 to open. Interest is compounded and credited monthly, balance computation method is daily balance. Maintenance fee of $10.00 imposed every statement cycle if balance falls below $1,500.00 any day of the monthly statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Tier 1: $0 - $9,999 (or $9,999.99 or less). Minimum daily balance to obtain APY is $0.01. Maintenance fee of $10.00 waived if balance stays at or above $1,500.00 each day of the statement cycle. | 1.26% | — | Tier 1: $0 - $9,999 (or $9,999.99 or less). Minimum daily balance to obtain APY is $0.01. Maintenance fee of $10.00 waived if balance stays at or above $1,500.00 each day of the statement cycle. |
| $10,000 – $99,999Tier 2: $10,000 - $99,999 (or $99,999.99 or less). Minimum daily balance to obtain APY is $0.01. Maintenance fee of $10.00 waived if balance stays at or above $1,500.00 each day of the statement cycle. | 1.76% | $176 | Tier 2: $10,000 - $99,999 (or $99,999.99 or less). Minimum daily balance to obtain APY is $0.01. Maintenance fee of $10.00 waived if balance stays at or above $1,500.00 each day of the statement cycle. |
| $100,000 and upTier 3: $100,000 + (or $100,000.00 or more). Minimum daily balance to obtain APY is $0.01. Maintenance fee of $10.00 waived if balance stays at or above $1,500.00 each day of the statement cycle. | 2.78% | — | Tier 3: $100,000 + (or $100,000.00 or more). Minimum daily balance to obtain APY is $0.01. Maintenance fee of $10.00 waived if balance stays at or above $1,500.00 each day of the statement cycle. |
Sources (3)
- fbot.bank/Personal/Savings-Accounts
- fbot.bank/Personal/Savings-Accounts/Advantage-Account
- fbot.bank/Personal/CDs-IRAs/Interest-Rates
All captured Sep 17, 2026
Money Market Account
1.26%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Maintenance fee of $10.00 imposed every statement cycle if the balance falls below $1,500.00 any day of the monthly statement cycle. Minimum daily balance of $0.01 to obtain APY. Interest is compounded and credited monthly using daily balance method.Over $0 | 1.26% | $126 | Maintenance fee of $10.00 imposed every statement cycle if the balance falls below $1,500.00 any day of the monthly statement cycle. Minimum daily balance of $0.01 to obtain APY. Interest is compounded and credited monthly using daily balance method. |
Sources (2)
All captured Sep 17, 2026
Savings Account
0.15%APY
Minimum $100 to open. Interest is compounded and credited monthly, balance computation method is daily balance. Maintenance fee of $3.00 imposed every statement cycle if balance falls below $100.00 any day of the monthly statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum daily balance to obtain APY is $0.01. Maintenance fee of $3.00 waived if balance stays at or above $100.00 each day of the statement cycle.Any balance | 0.15% | $15 | Minimum daily balance to obtain APY is $0.01. Maintenance fee of $3.00 waived if balance stays at or above $100.00 each day of the statement cycle. |
Sources (3)
- fbot.bank/Personal/Savings-Accounts
- fbot.bank/Personal/Savings-Accounts/Savings-Account
- fbot.bank/Personal/CDs-IRAs/Interest-Rates
All captured Sep 17, 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.