Fidelity Bank savings, CD and money market rates
Fidelity Bank's All in One Super Account advertises 0.20% APY. That is 0.18 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #1855 of 3121 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1640.
Fidelity Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 0.20% · All in One Super Account |
| Minimum to open | $2,500 · All in One Super Account |
| Against the national average | 0.18 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 3.90% · 12 months · 1-Year CD |
| Minimum to open | $500 · 12 months CD |
| Against the national average | 2.14 percentage points above the 1.76% FDIC 12-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | 0.25% · Money Market Investor |
| Minimum to open | $2,500 · Money Market Investor |
| Against the national average | 0.38 percentage points below the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 19644 · West Memphis, AR |
|---|---|
| Website | www.fidelitybanker.com |
| Branches | 6 branches in AR |
| Availability | Available in AR |
Fidelity Bank savings, CD and money market rates
Personal
IRA
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 CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| not stated | 2.10% | $500 | 14-90 Day CD |
| not stated | 3.00% | $500 | 91-181 Day CD |
| not stated | 3.60% | $500 | 182-364 Day CD |
| 12 months | 3.90% | $500 | 1-Year CD |
| 18 months | 2.85% | $500 | 18-Month CD |
| 24 months | 2.80% | $500 | 2-Year CD |
| IRA CDs | |||
| 6 months | 3.60% | $500 | IRA CD 6 Month |
| 12 months | 3.90% | $500 | IRA CD 12 Month |
| 18 months | 2.85% | $500 | IRA CD 18 Month (Variable) |
Interactive Tool
Calculate Savings for Fidelity Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$89.80(0.6%)
- Total Contributions$13,000
- Initial Deposit$2,500
Projected Balance
$15,589.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Fidelity Bank 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.
In Q2 2026, Fidelity Bank paid a higher average rate on savings and money market deposits than 1% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Fidelity Bank, 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 |
|---|---|---|---|---|---|---|---|---|
| All in One Super Account | 0.20% | $2,500 | $0 | None | not stated | not stated | One rate | |
| Regular Savings | 0.20% | $100 | $0 | None | $10 fee per statement cycle if the daily balance falls below $100., can be waived | not stated | One rate | |
| Fine print: Only 3 withdrawals per quarter are free. Each additional withdrawal costs $2. The service charge for falling below the minimum daily balance is charged per statement cycle, not per month. | ||||||||
| All In One Account & Good Life Club Savings | 0.15% | $1,000 | $0 | None | not stated | not stated | One rate | |
| Money Market Investor | 0.25% | $2,500 | $0 | None | not stated | not stated | One rate | |
| Fine print: Six transfers are permitted per statement cycle, including telephone transfers. Each additional transfer attempt is charged $20. | ||||||||
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 |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 14-90 Day CD | not stated | 2.10% | $500 | not stated | not stated |
| Fine print: The term is set in days, from 14 to 90 days, rather than in whole months. | |||||
| 91-181 Day CD | not stated | 3.00% | $500 | not stated | not stated |
| Fine print: The term is set in days, from 91 to 181 days, rather than in whole months. | |||||
| 182-364 Day CD | not stated | 3.60% | $500 | not stated | not stated |
| Fine print: The term is set in days, from 182 to 364 days, rather than in whole months. | |||||
| 1-Year CD | 12 months | 3.90% | $500 | not stated | not stated |
| 18-Month CD | 18 months | 2.85% | $500 | not stated | not stated |
| 2-Year CD | 24 months | 2.80% | $500 | not stated | not stated |
| IRA CDs | |||||
| IRA CD 6 Month | 6 months | 3.60% | $500 | not stated | not stated |
| IRA CD 12 Month | 12 months | 3.90% | $500 | not stated | not stated |
| IRA CD 18 Month (Variable) | 18 months | 2.85% | $500 | not stated | not stated |
| Fine print: The rate is variable. It can change during the term of the certificate. | |||||
Opening and using the account
| Availability | Available in AR |
|---|---|
| Footprint | 6 branches in AR |
| Eligibility | not stated |
How Fidelity Bank behaves over time
Every observation of the advertised All in One Super Account rate in the last 12 months was 0.20% (observed through Oct 21, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 14, 20261-Year CDRaise:3.45%to3.90%
- All in One Super Account
- The same as 30 days ago.
- 12 months CD
- Up 0.45 percentage points from 30 days ago.
- Money Market Investor
- The same as 30 days ago.
$10,000 at the 0.20% APY Fidelity Bank advertises on All in One Super Account grows to $10,020 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 $9,659 does today. See how the federal funds rate shapes savings rates.
Fidelity Bank CD rates over time
Who is Fidelity Bank?
| Headquarters | West Memphis, AR |
|---|---|
| Founded | 1966 |
| Scale | $547M assets · $496M deposits, $383M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 19644 |
| Charter state | Arkansas · one of 78 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,578th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 9% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Fidelity Bank pays on deposits above.
Common questions about Fidelity Bank
Is Fidelity Bank FDIC insured?
Yes. Fidelity Bank is FDIC insured under certificate 19644, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Fidelity Bank?
Fidelity Bank requires a minimum deposit of $2,500 to open its All in One Super Account, as observed on Oct 21, 2026. Check the bank's current terms before you open an account.
Does Fidelity Bank have branches?
Yes. Fidelity Bank operates 6 branches according to FDIC branch records, in addition to its website and mobile apps.
Fidelity Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Fidelity Bank | 0.20% | 0.08% | $2,500 | 6 branches in AR |
| Aroostook County Federal Savings and Loan Association | 0.20% | 1.92% | $5 | 2 branches in ME |
| Bank Forward | 0.20% | 3.74% | $200 | 12 branches in MN, ND |
| Bank of Prairie du Sac | 0.20% | 2.46% | $100 | 2 branches in WI |
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's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Arkansas, nearest to Fidelity Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Arkansas, CD rates in Arkansas, money market rates in Arkansas, and banks in Arkansas.