What Your CD Test Score Means

Find Out What CD Is Right For You

If you’re looking for an investment that protects your principle while giving you a higher return than traditional savings accounts, Certificates of Deposit (CDs) are a smart option. They are FDIC insured which means that your money is protected by the US Government up to $100,000. To help you decide whether a short-, medium- or long-term CD is right for you, compare your test score to the chart below.

CERTIFICATE OF DEPOSIT CHART

If Your CD Test Score is…

Under 70 points:

You need a lot of liquidity, so a CD may not be right for you. Keep accumulating money in an investment savings account, like a money market account.

70 to 80 points:

You need some liquidity, but you can afford to lock your money in for a short period of time. Choose a short-term CD that matures in 7 days to 12 months, and match the maturity date to your needs.

85 to 95 points:

You will probably require access to your funds within the next 12 to 24 months. Select a medium-term CD that matures in 1 to 2 years, and match the maturity date to your needs.

100 points or more:

You can afford to take advantage of the higher interest rates a long-term CD yields. Consider a CD that matures in 2 to 10 years, and match the maturity date to your needs.

The above chart is for your information only. Be sure to consult a customer service representative before opening a certificate of deposit or money market account.
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Icon 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.