Current Deposit Rates

Checking Accounts | Savings Accounts | Money Market Accounts Money Manager Account | Education and Health Savings Liquidity Accounts Certificates of Deposit

Before opening an account simply because it has a higher interest rates, we would suggest that you consider the following:

Is comparing APY the best way to decide which financial institution has the highest rates?
 
The Federal Truth-in-Savings Regulation requires that all financial institutions disclose the Annual Percentage Yield (APY) when they advertise a deposit rate. The APY is a tool for evaluating how much a deposit earns for you over a twelve month period. APY considers the effect of compounding of interest on your deposit; more frequent compounding, such as daily compounding, means that a deposit is receiving interest on the interest earned. The daily compounding method of calculating interest allows your money to work hardest and grow faster than most methods of calculating interest. 
 
Additional items to consider, which may affect your accounts net earnings:
  • Are fees charged to your account that may reduce your earnings?
  • Will you be required to have other accounts; such as a checking account?
  •  Is the rate an Introductory Rate, good for only a short period of time?
  • Will the option of a “Bump-Up” rate really benefit you during the term of the CD?
Fidelity Savings uses the Daily compounding and a minimum of quarterly interest posting for most accounts, with the exception of our Holiday and Vacation Clubs; which earn simple interest and maturity interest posting,
 
Fidelity Savings’ accessible and experienced client service representatives look forward to meeting with you, without obligation, to help you compare the interest calculation and posting method, along with the APY to show you the financial impact on your monthly income from deposits. We are recognized for its continued customer service both during and after all accounts are opened.
 
Fidelity Savings success in our community is seen through helping those with deposit and borrowing needs from today’s generation, their parents and their grand-parents before them. Fidelity Savings has been recognized for being a banking tradition since 1885.
 
 

Rates are accurate as of 12/14/2018. All rates are subject to change and are stated as of the date listed above. If you would like current rate information after the rate effective date, please call Fidelity Savings’ Deposit Services Department at 215-788-0448 for more information on Deposit Products, or use the Contact Us link to send your communication to us.

Checking Accounts

Account TypeMinimum Balance Required to Earn InterestInterest RateAnnual Percentage Yield (APY)*
Interest Checking$50.000.25%0.25%
Premium Interest
$ 1 to $24,999.99$1.000.60%0.60%
$25,000 to $49,999.99$1.000.60%0.60%
$50,000 to $74,999.99$1.000.60%0.60%
$75,000 +$1.000.70%0.70%
Fees may reduce earnings in these accounts. Variable rate accounts may change without notice after account is opened. Please see Fidelity Savings' disclosure/brochures for further account information: Privacy Policy; Electronic Funds Transfer; Check Clearing Policies; and Truth-in-Savings (Account Terms and Special Service Fees). *APY refers to Annual Percentage Yield based on simple interest.

Savings Accounts

Account TypeMinimum Balance Required to Earn InterestInterest RateAnnual Percentage Yield (APY)*
Passbook Savings
Regular$100.000.30%0.30%
Student (Age 12 & Under)$100.000.30%0.30%
Vacation Club$10.000.50%0.50%
Holiday Club$10.000.30%0.30%
Statement Savings
Regular$100.000.30%0.30%
Business Savings$100.000.60%0.60%
Retirement Savings$1.000.45%0.45%
Fees may reduce earnings in these accounts. Variable rate accounts may change without notice after account is opened. Please see Fidelity Savings' disclosure/brochures for further account information: Privacy Policy; Electronic Funds Transfer; Check Clearing Policies; and Truth-in-Savings (Account Terms and Special Service Fees). *APY refers to Annual Percentage Yield based on simple interest.

Money Market Accounts

Account TypeMinimum Balance Required to Earn InterestInterest RateAnnual Percentage Yield (APY)*
Regular
$ 0.01 to $999.99$1,000.000.25%0.25%
$ 1,000 to $ 9,999.99$1,000.00 0.30%0.30%
$10,000 to $39,999.99$1,000.00 0.35%0.35%
$40,000 to $74,999.99$1,000.00 0.60%0.60%
$75,000 +$1,000.00 0.70%0.70%
Fees may reduce earnings in these accounts. Variable rate accounts may change without notice after account is opened. Please see Fidelity Savings' disclosure/brochures for further account information: Privacy Policy; Electronic Funds Transfer; Check Clearing Policies; and Truth-in-Savings (Account Terms and Special Service Fees). *APY refers to Annual Percentage Yield based on simple interest.

Money Manager Account

Account TypeMinimum Balance Required to Earn InterestInterest RateAnnual Percentage Yield (APY)*
Money Manager Account
$ 0 to $9,999.99$1.000.25%0.25%
$10,000 to $24,999.99$1.000.30%0.30%
$25,000 to $49,999.99$1.000.50%0.50%
$50,000 to $999,999.99$1.000.70%0.70%
$1,000,000 +$1.001.00%1.00%
Fees may reduce earnings in these accounts. Variable rate accounts may change without notice after account is opened. Please see Fidelity Savings' disclosure/brochures for further account information: Privacy Policy; Electronic Funds Transfer; Check Clearing Policies; and Truth-in-Savings (Account Terms and Special Service Fees). *APY refers to Annual Percentage Yield based on simple interest.
 

Health Savings Liquidity Account (HSA)

Account TypeMinimum Balance Required to Earn InterestInterest RateAnnual Percentage Yield (APY)*
Health Savings Liquidity Account (HSA)$250.000.30%0.30%
Fees may reduce earnings in these accounts. Variable rate accounts may change without notice after account is opened. Please see Fidelity Savings' disclosure/brochures for further account information: Privacy Policy; Electronic Funds Transfer; Check Clearing Policies; and Truth-in-Savings (Account Terms and Special Service Fees). *APY refers to Annual Percentage Yield based on simple interest.

Certificates of Deposit Rates

IRA and ESA Certificates of Deposit are available in terms of 6 to 84 months and offer the same rates as Fidelity Savings’ Regular CDs, but IRA and ESA CDs have a $250.00 minimum deposit, unless otherwise stated.

CD Term (1)Minimum BalanceInterest RateAnnual Percentage Yield (APY)*
182-Day$1,000.00 0.30%0.30%
9-Month$1,000.00 0.35%0.35%
12-Month$500.000.40%0.40%
13-Month **Special**$500.001.49%1.50%
15-Month **Special**
(New Money Only)
$500.002.37%2.40%
18-Month$500.000.45%0.45%
21-Month **Special**$500.001.98%2.00%
24-Month$500.000.65%0.65%
30-Month$500.000.65%0.65%
36-Month$500.000.80%0.80%
48-Month$500.001.29%1.30%
60-Month$500.001.59%1.60%
84-Month$500.001.88%1.90%
(1) Substantial interest penalty for early withdrawal on certificates of deposits will apply for all new and rollover deposit accounts. Please call Fidelity Savings’ Deposit Services Department at 215-788-0448 for more information on early withdrawal fees or use the Contact Us link to send your communication to us. DEPOSITS INSURED BY THE FDIC

The Federal Deposit Insurance Corporation (FDIC), an agency of the U. S. Government, insures depositors per ownership category up to $250,000.00 in accordance with the rules and regulations of the FDIC. Please ask us for a personal copy of our FDIC brochures published in English and Spanish entitled “Your Insured Deposits – FDIC’s Guide to Deposit Insurance Coverage”. INTEREST METHOD

  • Interest on all Deposit Accounts is Compounded Daily and Credited Quarterly, except for Certificate of Deposit terms of 9 months or less; which are posted at maturity.
  •  Holiday and Vacation Clubs pay simple interest and have interest credited at the club’s maturity. Interest payout on Holiday and Vacation Clubs is required at maturity.
  • Interest and Premium Interest Checking, Money Market Deposit Accounts and Money Manager Accounts are compounded daily and credited monthly.
  • Checking and Savings accounts are considered to be a variable rate product. The interest rate can change weekly. Interest on checking accounts is compounded daily and posted to the account monthly on the statement date.
  • Interest will accrued through the date of withdrawal. There will be a fee assessed for closing an account within the first 6 months of opening. Please see our Deposit Account Fee Schedule for the current fee.

CD RatesIcon For: Rates

Term Rate APY*
182-Day 0.30% 0.30%
9-Month 0.35% 0.35%
12-Month 0..40% 0..40%
13-Month **Special** 1.49% 1.50%
15-Month **Special** (New Money Only) 2.37% 2.40%
18-Month 0..45% 0.45%
21-Month **Special** 1.98% 2.00%
24-Month 0.65% 0.65%
30-Month 0.65% 0.65%
36-Month 0.80% 0.80%
48-Month 1.29% 1.30%
60-Month 1.59% 1.60%
84-Month 1.88% 1.90%
More Rates

IRA and ESA Certificates of Deposit are available in terms of 12 to 60 months and offer the same rates as Fidelity Savings’ Regular CDs, but IRA and ESA CDs have a $250.00 minimum deposit, unless otherwise stated.

(1) Substantial interest penalty for early withdrawal on certificates of deposits will apply for all new and rollover deposit accounts. Please call Fidelity Savings’ Deposit Services Department at 215-788-0448 for more information on early withdrawal fees or use the Contact Us link to send your communication to us.