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Certificates of Deposit

Certificates

If you can invest your money for a specific period of time consider a certificate of deposit.  Certificates of Deposit provide you an interest rate that is guaranteed for the term of the account. Review our available certificates for a term that works best for your needs.  You also have the security of FDIC insurance.

• Deposits are prohibited during the term of the account
• $2500.00 minimum to open 91 day and 182 day terms
• 91 day and 182 day terms are simple interest accounts
• $500.00 minimum to open terms of 12 months or longer
• 12 month accounts or longer are compounded daily accounts
• Must maintain minimum balance to earn Annual Percentage Yield
• Interest posts to account
• Interest Checks and Transfers are available
• No monthly service charges
• Early withdrawal penalty may apply
• 7 Day Grace period following the maturity date

Here are a few terms you should know when investing in a certificate of deposit:

• Automatically Renewable Certificate: The certificate of deposit will automatically renew on the maturity date for the same term. The interest rate in effect at the time the certificate renews into the new term will be applied to the account.   
• Term: The term is the length of time you agree to leave your money in the account.
• Maturity Date: The maturity date is the first day you can change the term, rate or principal balance of your certificate without paying an early withdrawal penalty.
• Grace Period: The grace period is the 7 days after your maturity date that you can make changes to your certificate of deposit accounts term, rate or principal balance before it automatically renews for the same term.
• Interest Rate: The interest rate is the rate applied to your certificate of deposit for its term.

Note – You must reside within Delaware County or the contiguous counties (Franklin, Knox, Licking, Marion, Morrow and Union) to open an account with Fidelity Federal Savings & Loan.

When you open an account with Fidelity Federal Savings & Loan, we will ask you for your name, address, date of birth, taxpayer identification number and other information that will allow us to identify you. We will also ask to see your driver’s license or other identifying documents. We will let you know if additional information is required.