Bank · FDIC insured
Fidelity Federal CD Rates
Fidelity Federal’s best CD rate is 4.00% APY on an 11-month CD. Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How Fidelity Federal’s CD rates compare
Compared with banks and credit unions near Columbus, OH, where Fidelity Federal has the most branches. $10,000, best rate first.
This bank’s best
Fidelity Federal
4.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $366
Certificates of Deposit
Top rate
Homeland Credit Union
5.15%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,338
2nd-highest rate
Scott Associates Credit Union Inc
5.06%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,802
Fidelity Federal CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo0.50%
- 31–60 months31–60 mo0.65%
- 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 Federal 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.
Certificates of Deposit
Up to 4.00%APY · 9 terms
No monthly fees. Rate guaranteed for the term of the account. Automatically renewable. Fees may reduce earnings. Rates are subject to change without notice.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day Fixed. APY is calculated based on a one-year time frame | — | 0.15% | 0.15% | $4 |
| 6 months182 Day Fixed. APY is calculated based on a one-year time frame | 3.75% | — | 3.75% | $186 |
| 11 months11 Months Fixed. APY is calculated based on a one-year time frame | 4.00% | — | 4.00% | $366 |
| 12 months12 Months Fixed. APY is calculated based on a one-year time frame | 3.85% | — | 3.85% | $385 |
| 18 months18 Months Fixed. APY is calculated based on a one-year time frame | 0.35% | — | 0.35% | $53 |
| 24 months24 Months Fixed. APY is calculated based on a one-year time frame | 0.45% | — | 0.45% | $90 |
| 30 months30 Months Fixed. APY is calculated based on a one-year time frame | 0.50% | — | 0.50% | $125 |
| 36 months36 Months Fixed. APY is calculated based on a one-year time frame | 0.55% | — | 0.55% | $166 |
| 48 months48 Months Fixed. APY is calculated based on a one-year time frame | 0.65% | — | 0.65% | $263 |
Special-purpose accounts
Traditional & Roth IRA Accounts - Certificate of Deposit
Up to 4.00%APY · 8 terms
Traditional and Roth IRA Certificate of Deposit options. An early withdrawal penalty may apply for IRA accounts. Fees may reduce earnings. Rates are subject to change without notice. No deposits during the term. No withdrawals during term except for RMD. 7 days grace period after maturity.
| Term | APY · $250 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months182 Day Fixed ($250 min deposit). Simple interest compounding | 0.20% | — | 0.20% | $10 |
| 6 months182 Day Fixed ($500 min deposit) | — | 3.75% | 3.75% | $186 |
| 11 months11 Months Fixed ($500 min deposit) | — | 4.00% | 4.00% | $366 |
| 12 months12 Months Fixed ($250 min deposit). Compound daily | 0.25% | — | 0.25% | $25 |
| 12 months12 Months Fixed ($500 min deposit). Compound daily | — | 3.85% | 3.85% | $385 |
| 18 months18 Months Fixed ($250 min deposit). Compound daily | 0.35% | — | 0.35% | $53 |
| 24 months24 Months Fixed ($250 min deposit). Compound daily | 0.45% | — | 0.45% | $90 |
| 30 months30 Months Fixed ($250 min deposit). Compound daily | 0.50% | — | 0.50% | $125 |
| 36 months36 Months Fixed ($250 min deposit). Compound daily | 0.55% | — | 0.55% | $166 |
| 48 months48 Months Fixed ($250 min deposit). Compound daily | 0.65% | — | 0.65% | $263 |
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.