Fidelity Bank & Trust savings, CD and money market rates
Fidelity Bank & Trust's Snap $tack Savings lists 5.12% APY on balances of $5,000 or less, and 0.05% on larger balances. On a $10,000 balance the account earns 0.05% overall, about $5 in a year, which is 0.33 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
The rate needs a linked account at the bank.
Ranked #7 of 3121 tracked savings rates by advertised APY. For a $10,000 balance it would rank #2539.
Estimate your earnings·What Fidelity Bank & Trust actually pays
Fidelity Bank & Trust at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 5.12% · Snap $tack Savings · $5,000 or less only · needs a linked account at the bank |
| Minimum to open | $50 · Snap $tack Savings |
| Against the national average | 4.74 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.30% · 18 months · 18 Month CD |
| Minimum to open | not stated · 18 months CD |
| Money market | |
| Top money market APY | Up to 0.55% · Money Market · needs at least $1,000,000 |
| Minimum to open | $1,000 · Money Market |
| Against the national average | 0.08 percentage points below the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 14382 · Dubuque, IA |
|---|---|
| Website | www.bankfidelity.com; www.bankfidelity.bank |
| Branches | 36 branches in IA, IL, MN, WI |
| Availability | Available in IA, IL, MN, WI |
Fidelity Bank & Trust savings, CD and money market rates
Personal
How the rate applies
How the rate applies
How the rate applies
How the rate applies
How the rate applies
IRA
How the rate applies
How the rate applies
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Fidelity Bank & Trust CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| not stated | 3.53% | $25 | College Fund CD |
| 3 months | Up to1.96%Needs at least $1,000,000 | not stated | 91 Day CD |
| 6 months | Up to1.96%Needs at least $1,000,000 | not stated | 182 Day CD |
| 12 months | 4.10% | not stated | 12 Month CD |
| 18 months | 4.30% | not stated | 18 Month CD |
| 30 months | Up to2.72%Needs at least $1,000,000 | not stated | 30 Month CD |
| 36 months | Up to2.82%Needs at least $1,000,000 | not stated | 36 Month CD |
| 48 months | Up to2.92%Needs at least $1,000,000 | not stated | 48 Month CD |
| 60 months | Up to3.02%Needs at least $1,000,000 | not stated | 60 Month CD |
Interactive Tool
Calculate Savings for Fidelity Bank & Trust
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$230.90(1.6%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,230.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Fidelity Bank & Trust pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 5.12% applies to balances of $5,000 or less. A larger balance earns 0.05% on the whole amount.
In Q2 2026, Fidelity Bank & Trust paid a higher average rate on savings and money market deposits than 32% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Fidelity Bank & Trust, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Snap $tack Savings | Up to 5.12% | $50 | $0 | $5,000 | not stated | Linked account at the bank | Tiered | |
| Fine print: The stated APY applies to the first $5,000 of the balance; the part above that earns the bank's low posted rate. A Snap $tack Checking account holding a $1,000 average balance is required, and each qualification period the account must have online or mobile banking with e-statements, one signature or PIN debit card transaction and two automatic transfers. If those are not met, the whole balance earns the low rate for that period. The qualification period runs from the 27th of one month to the 26th of the next. | ||||||||
| HYPE Xtreme | 3.10% | $50,000 | $0 | $1,000,000 | not stated | Linked account at the bank | Tiered | |
| Fine print: The stated APY applies to the first $1,000,000 of the balance; the part above that earns the bank's low posted rate. A HYPE Xtreme Checking account is required, and each statement cycle the account must have online or mobile banking with e-statements, twelve signature or PIN debit card transactions, four automatic transfers and a $50,000 average daily balance. If those are not met, the whole balance earns the low rate for that cycle. | ||||||||
| Christmas Club | 2.50% | not stated | $0 | $15,000 | not stated | not stated | One rate | |
| Hometown HYPE | 2.03% | $50 | $0 | $50,000 | not stated | Linked account at the bank | Tiered | |
| Fine print: The stated APY applies to the first $50,000 of the balance; the part above that earns the bank's low posted rate. A Hometown HYPE Checking account is required, and each statement cycle the account must have online or mobile banking with e-statements, ten signature or PIN debit card transactions and two automatic transfers. If those are not met, the whole balance earns the low rate for that cycle. | ||||||||
| Savings | Up to 0.25% | $25 | $0 | None | not stated | not stated | Tiered | |
| Health Savings Account | 0.15% | $50 | $0 | None | not stated | not stated | Tiered | |
| Money Market | Up to 0.55% | $1,000 | $0 | None | not stated | not stated | Tiered | |
| IRA | ||||||||
| IRA Preferred Rate Savings | 2.78% | $50,000 | $0 | None | not stated | not stated | Tiered | |
| IRA Savings | Up to 2.52% | $50 | $0 | None | not stated | not stated | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| College Fund CD | not stated | 3.53% | $25 | not stated | not stated |
| 91 Day CD | 3 months | Up to 1.96% | not stated | not stated | not stated |
| 182 Day CD | 6 months | Up to 1.96% | not stated | not stated | not stated |
| 12 Month CD | 12 months | 4.10% | not stated | not stated | not stated |
| 18 Month CD | 18 months | 4.30% | not stated | not stated | not stated |
| 30 Month CD | 30 months | Up to 2.72% | not stated | not stated | not stated |
| 36 Month CD | 36 months | Up to 2.82% | not stated | not stated | not stated |
| 48 Month CD | 48 months | Up to 2.92% | not stated | not stated | not stated |
| 60 Month CD | 60 months | Up to 3.02% | not stated | not stated | not stated |
Opening and using the account
| Availability | Available in IA, IL, MN, WI |
|---|---|
| Footprint | 36 branches in IA, IL, MN, WI |
| Eligibility | not stated |
How Fidelity Bank & Trust behaves over time
Every observation of the advertised Snap $tack Savings rate in the last 12 months was 5.12% (observed through Oct 24, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 10, 202612 Month CDCut:4.30%to4.10%
- Obs. Oct 8, 2026HYPE XtremeRaise:2.85%to3.10%
- Obs. Oct 5, 202612 Month CDRaise:4.00%to4.30%
- Obs. Oct 5, 202618 Month CDRaise:4.10%to4.30%
- Obs. Oct 2, 202612 Month CDRaise:2.31%to4.00%
- 18 months CD
- Up 1.68 percentage points from 30 days ago.
$10,000 in Fidelity Bank & Trust's Snap $tack Savings earns 0.05% overall at the advertised rates, so it grows to $10,005 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,644 does today. See how the federal funds rate shapes savings rates.
Fidelity Bank & Trust CD rates over time
Who is Fidelity Bank & Trust?
| Headquarters | Dubuque, IA |
|---|---|
| Founded | 1910 |
| Scale | $2.6B assets · $2.1B deposits, $1.8B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 14382 |
| Charter state | Iowa · one of 226 insured banks chartered there (Q2 2026, FDIC) |
| Size | 486th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
Financial detail is in What Fidelity Bank & Trust pays on deposits above.
Common questions about Fidelity Bank & Trust
Is Fidelity Bank & Trust FDIC insured?
Yes. Fidelity Bank & Trust is FDIC insured under certificate 14382, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Fidelity Bank & Trust?
Fidelity Bank & Trust requires a minimum deposit of $50 to open its Snap $tack Savings account, as observed on Oct 24, 2026. Check the bank's current terms before you open an account.
Does the 5.12% apply to my whole balance?
The 5.12% applies to balances of $5,000 or less. A larger balance earns 0.05% on the whole amount. The rate needs a linked account at the bank. Rates are as observed on Oct 24, 2026.
Does Fidelity Bank & Trust have branches?
Yes. Fidelity Bank & Trust operates 36 branches according to FDIC branch records, in addition to its website and mobile apps.
Fidelity Bank & Trust against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Fidelity Bank & Trust | Up to5.12% | 1.00% | $50 | 36 branches in IA, IL, MN, WI |
| The Bennington State Bank | 5.10% | 1.97% | $0 | 15 branches in KS |
| Axos Bank | Up to5.00% | 2.77% | $0 | None for this account (online only) |
| Dedham Institution for Savings | Up to5.00% | 2.58% | $25 | 15 branches in MA |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Fidelity Bank & Trust's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Iowa, nearest to Fidelity Bank & Trust in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Iowa, CD rates in Iowa, money market rates in Iowa, and banks in Iowa.