Certificate of Deposit Accounts

CDs from Fidelity Federal

A variety of savings

Fidelity offers a variety of savings options for your long or short term savings needs.  If you are looking to invest your money for a specific period of time, consider a certificate of deposit. Certificates of Deposit provide you an interest rate that is usually higher than a regular savings account and the rate is guaranteed for the term of the account. 

Check Rates and Terms

Features and Benefits

  • Interest Bearing Accounts
  • Terms ranging from 91 days to 48 months
  • FDIC Insured*
  • Rate Guaranteed for Term of Account
  • Automatic Renewable

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Details

91 Day and 182 Day Terms

12 months to 48 Month Terms

Account Overview

A short term savings option with potential for higher yields than a no term savings account.

Excellent for longer term savings needs with higher yields than a regular savings account.

Minimum Opening Deposit Requirement

2500.00

500.00

Minimum Balance to earn interest

2500.00

500.00

Transaction Limitations

No withdrawal of principal before maturity date.

No Deposits during term

3 month Penalty for early withdrawal may apply

No withdrawal of principal before maturity date.

No Deposits during term

6 month Penalty for early withdrawal may apply

Interest Compounding Type

Simple

Compound Daily

Interest disposition

Interest posts at maturity**

Interest posts quarterly**

Grace Days after Maturity Date

7 Days

7 Days

Automatic Renewal

Account will automatically renew for same term and current rate being paid if no activity during grace period.

Account will automatically renew for same term and current rate being paid if no activity during grace period.

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.

*FDIC limits apply. Please refer to FDIC.gov for details

**Interest can be mailed or transferred instead of posting to account. Certificate Terms 6 months or longer can have monthly, quarterly, semi-annual and annual checks or transfers if requested.

Definitions

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.

Annual Percentage Yield: also known as APY is the effective annual rate of return on an investment, taking into account the effect of compounding interest, for a one-year period. For an interest-bearing deposit account, such as a savings or certificate of deposit.

Compound Interest: Interest is calculated on the combined total of the initial principal and also on the accumulated interest for prior periods.
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