What are the current interest rates at Fidelity Bank & Trust (IA)?

Current rates for Fidelity Bank & Trust (IA) include: 12-Month CD: 4.10%, 18-Month CD: 4.30%, 24-Month CD: 4.50%, 36-Month CD: 2.57%, 48-Month CD: 2.67%, 60-Month CD: 2.77%, Savings: 5.12%, MMA: 0.55%

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Fidelity Bank & Trust (IA) Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Fidelity Bank & Trust (IA) provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Fidelity Bank & Trust (IA)'s top rates as of October 14, 2026 are 4.50% APY on its 24-Months 24-Month CD, 5.12% APY on savings, 0.55% APY on money market accounts, and 6.35% on its 15 Year Fixed Mortgage, according to rates verified by MonitorBankRates. Other Fidelity Bank & Trust (IA) CD rates include 24-Months 24-Month CD at 4.50%, 24-Months 24-Month CD at 4.50%, and 24-Months 24-Month CD at 4.50%. Other Fidelity Bank & Trust (IA) mortgage rates include 7/5 Adjustable Rate Mortgage (ARM) at 6.78%, 15 Year Fixed Mortgage at 7.00%, and 20 Year Fixed Mortgage at 7.25%. MonitorBankRates evaluates the financial stability of Fidelity Bank & Trust (IA) with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.05%. Rates last updated and verified on 10/14/2026.

Fidelity Bank & Trust (IA) money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Fidelity Bank & Trust (IA)? Share your experience about Fidelity Bank & Trust (IA) by leaving a review below, or read customer reviews before you decide to use Fidelity Bank & Trust (IA).

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.05%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Fidelity Bank & Trust

4250 Asbury Rd
Dubuque, IA 52002

https://www.bankfidelity.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Fidelity Bank & Trust (IA) CD Rates

Product	Rate	APY	Term
24 Month CD	4.45%	4.50%	24 months
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/14/2026 Rate History 1 change since Oct 2, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 14, 20264.50%▲ from 4.25% Oct 2, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
24 Month CD	4.45%	4.50%	24 months
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 10/14/2026 Rate History 1 change since Oct 2, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 14, 20264.50%▲ from 4.25% Oct 2, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
24 Month CD	4.45%	4.50%	24 months
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99 Last Updated 10/14/2026 Rate History 1 change since Oct 2, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 14, 20264.50%▲ from 4.25% Oct 2, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
24 Month CD	4.45%	4.50%	24 months
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/14/2026 Rate History 1 change since Oct 2, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 14, 20264.50%▲ from 4.25% Oct 2, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
24 Month CD	4.45%	4.50%	24 months
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/14/2026 Rate History 1 change since Oct 2, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 14, 20264.50%▲ from 4.25% Oct 2, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
18 Month CD	4.25%	4.30%	18 months
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 2.36% → 4.30% ▲ 1.94 pts · high 4.30% / low 2.36% Oct 14, 20264.30%▲ from 4.10% Oct 2, 20264.10%▲ from 2.36% Sep 18, 20262.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
18 Month CD	4.25%	4.30%	18 months
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 2.36% → 4.30% ▲ 1.94 pts · high 4.30% / low 2.36% Oct 14, 20264.30%▲ from 4.10% Oct 2, 20264.10%▲ from 2.36% Sep 18, 20262.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
18 Month CD	4.25%	4.30%	18 months
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 2.36% → 4.30% ▲ 1.94 pts · high 4.30% / low 2.36% Oct 14, 20264.30%▲ from 4.10% Oct 2, 20264.10%▲ from 2.36% Sep 18, 20262.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
18 Month CD	4.25%	4.30%	18 months
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 2.36% → 4.30% ▲ 1.94 pts · high 4.30% / low 2.36% Oct 14, 20264.30%▲ from 4.10% Oct 2, 20264.10%▲ from 2.36% Sep 18, 20262.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
18 Month CD	4.25%	4.30%	18 months
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 2.62% → 4.30% ▲ 1.68 pts · high 4.30% / low 2.62% Oct 14, 20264.30%▲ from 4.10% Oct 2, 20264.10%▲ from 2.62% Sep 18, 20262.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
12 Month CD	4.06%	4.10%	12 months
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 2.31% → 4.10% ▲ 1.79 pts · high 4.10% / low 2.31% Oct 14, 20264.10%▲ from 4.00% Oct 2, 20264.00%▲ from 2.31% Sep 18, 20262.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
12 Month CD	4.06%	4.10%	12 months
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 2.31% → 4.10% ▲ 1.79 pts · high 4.10% / low 2.31% Oct 14, 20264.10%▲ from 4.00% Oct 2, 20264.00%▲ from 2.31% Sep 18, 20262.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
12 Month CD	4.06%	4.10%	12 months
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 2.31% → 4.10% ▲ 1.79 pts · high 4.10% / low 2.31% Oct 14, 20264.10%▲ from 4.00% Oct 2, 20264.00%▲ from 2.31% Sep 18, 20262.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
12 Month CD	4.06%	4.10%	12 months
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 2.31% → 4.10% ▲ 1.79 pts · high 4.10% / low 2.31% Oct 14, 20264.10%▲ from 4.00% Oct 2, 20264.00%▲ from 2.31% Sep 18, 20262.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
12 Month CD	4.06%	4.10%	12 months
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 2.57% → 4.10% ▲ 1.53 pts · high 4.10% / low 2.57% Oct 14, 20264.10%▲ from 4.00% Oct 2, 20264.00%▲ from 2.57% Sep 18, 20262.57%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
60 Month CD	3.00%	3.02%	60 months
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
48 Month CD	2.90%	2.92%	48 months
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.92% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
36 Month CD	2.80%	2.82%	36 months
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.82% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
60 Month CD	2.75%	2.77%	60 months
Min Balance $500 Details Balance: $500.00 - $99,999.99; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.77% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
60 Month CD	2.75%	2.77%	60 months
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.77% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
60 Month CD	2.75%	2.77%	60 months
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.77% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
60 Month CD	2.75%	2.77%	60 months
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.77% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30 Month CD	2.70%	2.72%	30 months
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.72% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
48 Month CD	2.65%	2.67%	48 months
Min Balance $500 Details Balance: $500.00 - $99,999.99; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.67% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
48 Month CD	2.65%	2.67%	48 months
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.67% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
48 Month CD	2.65%	2.67%	48 months
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.67% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
48 Month CD	2.65%	2.67%	48 months
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.67% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
36 Month CD	2.55%	2.57%	36 months
Min Balance $500 Details Balance: $500.00 - $99,999.99; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.57% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
36 Month CD	2.55%	2.57%	36 months
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.57% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
36 Month CD	2.55%	2.57%	36 months
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.57% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
36 Month CD	2.55%	2.57%	36 months
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.57% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30 Month CD	2.45%	2.47%	30 months
Min Balance $500 Details Balance: $500.00 - $99,999.99; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.47% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30 Month CD	2.45%	2.47%	30 months
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.47% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30 Month CD	2.45%	2.47%	30 months
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.47% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30 Month CD	2.45%	2.47%	30 months
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Penalty: loss of 365 days interest Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.47% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
182 Day CD	1.95%	1.96%	182 days
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.96% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
91 Day CD	1.95%	1.96%	91 days
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.96% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
182 Day CD	1.70%	1.71%	182 days
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
182 Day CD	1.70%	1.71%	182 days
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
182 Day CD	1.70%	1.71%	182 days
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
182 Day CD	1.70%	1.71%	182 days
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
91 Day CD	1.70%	1.71%	91 days
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
91 Day CD	1.70%	1.71%	91 days
Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
91 Day CD	1.70%	1.71%	91 days
Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
91 Day CD	1.70%	1.71%	91 days
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%

Fidelity Bank & Trust (IA) Savings Rates

Product	Rate	APY
Snap $tack Savings	5.00%	5.12%
Min Deposit $50 Details Qualifications Required; Balance: $0 - $5,000.00; Qualifying balance up to $5,000.00 earns 5.12% APY; balances above $5,000.00 earn 0.05% interest rate and 0.05% APY; if qualifications are not met, rate and APY are 0.05% Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.12% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
IRA Preferred Rate Savings	2.75%	2.78%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 and Over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.78% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
IRA Savings	2.50%	2.52%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000.00 and Over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.52% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Christmas Club	2.50%	2.50%
Min Balance $0 Details Balance: $0 - $15,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
IRA Preferred Rate Savings	2.00%	2.02%
Min Deposit $50,000 Min Balance $0 Details Balance: $0 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
IRA Savings	2.00%	2.02%
Min Deposit $50 Min Balance $0 Details Balance: $0 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.25%	0.25%
Min Deposit $25 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Deposit $50 Min Balance $0 Details Balance: $0.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Deposit $50 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Health Savings Account	0.15%	0.15%
Min Deposit $50 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.15%	0.15%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.10%	0.10%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Savings	0.05%	0.05%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%

Fidelity Bank & Trust (IA) Money Market Rates

Product	Rate	APY
Money Market	0.55%	0.55%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Money Market rates are for Consumer and Business accounts Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Money Market	0.45%	0.45%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Money Market rates are for Consumer and Business accounts Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Money Market rates are for Consumer and Business accounts Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Money Market	0.20%	0.20%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.01 - $499,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 14, 20260.20%▼ from 0.25% Sep 18, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Money Market	0.15%	0.15%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Money Market rates are for Consumer and Business accounts Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $99,999.99; Money Market rates are for Consumer and Business accounts Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%

Fidelity Bank & Trust (IA) Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Mortgage	6.35%	-	6.593%	15 years
Details Monthly Payment Example: $865.23; Minimum 15% down payment with no PMI; may be amortized up to 15 years Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.59% → 6.59% ▲ 0.01 pts · high 7.09% / low 6.59% Oct 14, 20266.59%▼ from 7.09% Oct 7, 20267.09%▲ from 6.71% Sep 18, 20266.71%▲ from 6.59% Sep 15, 20266.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
7/5 Adjustable Rate Mortgage (ARM)	6.78%	-	6.901%
Details Monthly Payment Example: $1,632.48; Minimum 15% down payment with no PMI; may be amortized up to 30 years; initial fixed term 7 years, then adjusts every 5 years; ARM rate = 1.75% margin over weekly average 5-year Treasury, minimum rate 5.00% Last Updated 10/14/2026 Rate History 5 changes since Sep 15, 2026 · 6.40% → 6.90% ▲ 0.50 pts · high 6.93% / low 6.40% Oct 14, 20266.90%▼ from 6.93% Oct 7, 20266.93%▲ from 6.80% Oct 1, 20266.80%▲ from 6.70% Sep 24, 20266.70%▲ from 6.55% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
15 Year Fixed Mortgage	7.00%	-	7.217%
Details Monthly Payment Example: $2,247.17; Rates effective as of 10/14/2026; 45-day rate lock period Last Updated 10/14/2026 Rate History 3 changes since Sep 24, 2026 · 6.59% → 7.22% ▲ 0.62 pts · high 7.22% / low 6.59% Oct 14, 20267.22%▲ from 7.09% Oct 1, 20267.09%▼ from 7.09% Sep 27, 20267.09%▲ from 6.59% Sep 24, 20266.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
20 Year Fixed Mortgage	7.25%	-	7.426%
Details Monthly Payment Example: $1,976.03; Rates effective as of 10/14/2026; 45-day rate lock period Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 7.43% → 7.43% ▲ 0.00 pts · high 7.43% / low 7.43% Oct 1, 20267.43%▲ from 7.43% Sep 27, 20267.43%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
30 Year Fixed Mortgage	7.375%	-	7.509%
Details Monthly Payment Example: $1,732.75; Rates effective as of 10/14/2026; 45-day rate lock period Last Updated 10/14/2026 Rate History 2 changes since Sep 27, 2026 · 7.39% → 7.51% ▲ 0.12 pts · high 7.51% / low 7.39% Oct 14, 20267.51%▼ from 7.51% Oct 1, 20267.51%▲ from 7.39% Sep 27, 20267.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%

Fidelity Bank & Trust (IA) Other Rates

Product	Rate	Points	APY/APR
Construction Loan	5.95%	-	6.376%
Details Rates effective as of 9/17/2026, based on a 60-day rate lock period. Loan scenario: owner occupied single family residence construction, $500,000 loan amount, 20% down payment, 12-month term, 650+ credit score. Monthly interest only payment example: $1,239.58. Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 6.38% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Home Construction Rate Loan	-	-	6.376%
Details APR based on average loan amount of $500,000.00. Rate is subject to change. Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 6.38% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Business Interest	0.10%	-	0.10%
Min Balance $0 Details Balance: $0.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Business Interest	0.15%	-	0.15%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Business Interest	0.20%	-	0.20%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Business Interest	0.35%	-	0.35%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Business Interest	0.45%	-	0.45%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
College Fund CD	3.50%	-	3.53%
Min Deposit $25 Min Balance $500 Details Balance: $500.00 - $99,999.99; $25 minimum to open Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.53% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Hometown HYPE	2.01%	-	2.03%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Balance: $0 - $50,000.00; Qualifying balance up to $50,000.00; Balances above $50,000.01 earn 0.05% APY; if qualifications are not met, rate and APY are 0.05% Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Hometown Interest	0.05%	-	0.05%
Min Balance $0 Details Balance: $0.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Hometown Interest	0.05%	-	0.05%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Hometown Interest	0.10%	-	0.10%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Hometown Interest	0.15%	-	0.15%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
Hometown Interest	0.20%	-	0.20%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%
HYPE Xtreme	3.06%	-	3.10%
Min Deposit $50,000 Details Qualifications Required; Balance: $0 - $1,000,000.00; Qualifications: Online or Mobile Banking with e-Statements; enrollment with valid email address; Twelve (12) signature or PIN based debit card transactions per statement cycle; Four (4) auto transfers (ACH or Direct Deposit) per statement cycle; Maintain $50,000.00 average daily balance. If requirements are not met, the interest rate and APY will be .05%. Balances above $1,000,000.01 earn 0.05% APY. Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85% Oct 14, 20263.10%▲ from 2.85%* Sep 18, 20262.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.05%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Fidelity Bank & Trust (IA)’s Texas Ratio rose from 1.72% in Q3 2023 to 12.05% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.6B	12.05%	5.0	A
March 31, 2026	$2.6B	9.69%	5.0	A
December 31, 2025	$2.5B	5.76%	5.0	A+
September 30, 2025	$2.1B	4.76%	5.0	A+
June 30, 2025	$2.0B	7.67%	5.0	A
March 31, 2025	$2.0B	6.55%	5.0	A
December 31, 2024	$2.0B	5.23%	5.0	A+
September 30, 2024	$1.9B	4.86%	5.0	A+
June 30, 2024	$1.9B	5.84%	5.0	A+
March 31, 2024	$1.9B	3.00%	5.0	A+
December 31, 2023	$1.9B	2.44%	5.0	A+
September 30, 2023	$1.8B	1.72%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Fidelity Bank & Trust (IA) is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Fidelity Bank & Trust (IA) rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Fidelity Bank & Trust (IA)'s official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Fidelity Bank & Trust (IA)

Website https://www.bankfidelity.bank

Address 4250 Asbury Rd, Dubuque, IA 52002 · Dubuque

Bank Holding Company FIDELITY CO

FDIC Certificate # 14382

Regulator FDIC

Established April 20, 1910

FDIC Insurance Date May 19, 1934

Domestic Offices 36

Total Branches 36

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.05%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.2993%

Return on Equity (ROE)

12.7200%

Non-Performing Loans Ratio (NPL)

0.93%

Total Assets

$2,603,348,000

Total Deposits

$2,131,878,000

Equity Capital

$268,381,000

Net Income

$16,687,000

Headquarters

Dubuque

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

Fidelity Bank & Trust (IA) earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Fidelity Bank & Trust (IA)

How many branches does Fidelity Bank & Trust (IA) operate?

Fidelity Bank & Trust (IA) currently maintains approximately 36 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Fidelity Bank & Trust (IA) does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Fidelity Bank & Trust (IA) provides members with tools to manage their accounts and build a solid financial history.

Does Fidelity Bank & Trust (IA) offer online and mobile banking?

Most modern institutions like Fidelity Bank & Trust (IA) provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankfidelity.bank.