Grow Your Savings with Minimal Risk
Fidelity Federal, based in Delaware, Ohio, offers certificates of deposit (CDs) with a guaranteed fixed rate for the length of your term. Choose from 91 days to 48 months and watch your money grow predictably, whether you’re saving for something soon or years down the road. Explore our rates below and find the term that works for you.
Quick Facts About Fidelity Federal CDs
- Interest-bearing accounts
- Terms ranging from 91 days to 48 months
- FDIC Insured*
- Rate guaranteed for the term of the account
- Automatically renewable
Certificate of Deposit Rates***
| Type of Account | Minimum Deposit to Open | Minimum Balance to Obtain APY** | Interest | APY** |
|---|---|---|---|---|
91 Day Fixed | $2500.00 | $2500.00 | 0.15% | 0.15% |
182 Day Fixed | $500.00 | $500.00 | 3.63% | 3.70% |
12 Months Fixed | $500.00 | $500.00 | 0.25% | 0.25% |
18 Months Fixed | $500.00 | $500.00 | 0.35% | 0.35% |
24 Months Fixed | $500.00 | $500.00 | 0.45% | 0.45% |
30 Months Fixed | $500.00 | $500.00 | 0.50% | 0.50% |
36 Months Fixed | $500.00 | $500.00 | 0.55% | 0.55% |
48 Months Fixed | $500.00 | $500.00 | 0.65% | 0.65% |
**Annual Percentage Yield (APY) is calculated based on a one-year time frame. If you allow your interest to add back to the principal over a one-year time period, the APY is what you will receive.
***An early withdrawal penalty may apply for IRA accounts.
Fees may reduce earnings on accounts
NOTE – Rates are subject to change without notice.
Benefits of Certificates of Deposit (CDs)
- No monthly fees
- Higher interest rates
- Fixed interest rates
- Low risk investments
- Range of term lengths
- Predictable savings plan
Frequently Asked Questions
What is a certificate of deposit (CD)?
A certificate of deposit (CD) is a savings account that holds a fixed amount of money for a set period of time, called a term, in exchange for a guaranteed interest rate. At the end of the term, you receive your original deposit plus the interest earned.
How is a CD different from a savings account?
Unlike a regular savings account, a CD locks your money in for a specific term and offers a higher, fixed interest rate in return. This makes a CD a great option if you have savings you won’t need immediate access to.
What CD term is right for me?
The right CD term depends on when you’ll need access to your money and what rate you want to secure. Fidelity Federal offers terms from 91 days to 48 months, so whether you’re saving short-term or long-term, there’s an option that fits your goals.
Can I withdraw my money before the CD term ends?
CDs are designed to hold your funds for the full term. Withdrawing early may result in an early withdrawal penalty, so it’s important to choose a term that matches when you’ll realistically need access to your money.
