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Fidelity Bank National Association Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Fidelity Bank National Association 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 National Association's top rates as of October 14, 2026 are 3.75% APY on its 7-Months 7-Month CD, and 6.75% on its Conventional Fixed Rate Loans - 15 Year Fixed mortgage, according to rates verified by MonitorBankRates. Other Fidelity Bank National Association mortgage rates include Conventional Fixed Rate Loans - 30 Year Fixed at 7.125%, VA 30 Year Fixed at 6.875%, and FHA 30 Year Fixed at 6.75%. MonitorBankRates evaluates the financial stability of Fidelity Bank National Association with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.33%. Rates last updated and verified on 10/14/2026.

Fidelity Bank National Association 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 National Association? Share your experience about Fidelity Bank National Association by leaving a review below, or read customer reviews before you decide to use Fidelity Bank National Association.

Verified Healthy 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

12.33%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Fidelity Bank, National Association

100 E English St
Wichita, KS 67202

https://www.fidelitybank.com

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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 National Association CD Rates

Product	Rate	APY	Term	View More
7 Month CD	-	3.75%	7 months
Details Promotional CD rate advertised as "Swing by for a great CD rate"; asterisked terms not shown on page Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

Fidelity Bank National Association Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed Rate Loans - 15 Year Fixed	6.75%	0.875%	7.03%	15 years
Details Loan amount: $240,000; LTV: 75.00%; Payment: $2123; Purchase transactions, FICO 780; Principal and interest only Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.03% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Conventional Fixed Rate Loans - 30 Year Fixed	7.125%	0.875%	7.313%	30 years
Details Loan amount: $240,000; LTV: 75.00%; Payment: $1616; Purchase transactions, FICO 780; Principal and interest only Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.31% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
VA 30 Year Fixed	6.875%	0.750%	7.596%
Details Payment: $1610; Loan Amount: $240,000; LTV: 100%; Rates for purchase transactions, FICO 780, loan amount $240,000; rates as of 10/13/2026 Last Updated 10/14/2026 Rate History 3 changes since Sep 18, 2026 · 7.47% → 7.60% ▲ 0.12 pts · high 7.60% / low 7.22% Oct 14, 20267.60%▲ from 7.49% Oct 1, 20267.49%▲ from 7.22% Sep 24, 20267.22%▼ from 7.47% Sep 18, 20267.47%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
FHA 30 Year Fixed	6.75%	0.875%	7.856%
Details Payment: $1583; Loan Amount: $240,000; LTV: 96.5%; Rates for purchase transactions, FICO 780, loan amount $240,000; rates as of 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.86% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Fidelity Bank National Association’s Texas Ratio rose from 2.51% in Q3 2023 to 12.33% 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	$3.3B	12.33%	5.0	A
March 31, 2026	$3.3B	11.99%	5.0	A
December 31, 2025	$3.3B	10.47%	5.0	A
September 30, 2025	$3.3B	11.58%	5.0	A
June 30, 2025	$3.3B	9.84%	5.0	A
March 31, 2025	$3.2B	10.39%	5.0	A
December 31, 2024	$3.2B	10.74%	5.0	A
September 30, 2024	$3.2B	10.76%	5.0	A
June 30, 2024	$3.2B	5.08%	5.0	A+
March 31, 2024	$3.2B	5.40%	5.0	A+
December 31, 2023	$3.2B	2.60%	5.0	A+
September 30, 2023	$3.2B	2.51%	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 National Association 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 National Association 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 National Association's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Fidelity Bank National Association

Website https://www.fidelitybank.com

Address 100 E English St, Wichita, KS 67202 · Sedgwick

Bank Holding Company FIDELITY FINANCIAL CORP

FDIC Certificate # 30895

Regulator OCC

Established January 1, 1956

FDIC Insurance Date August 9, 1989

Domestic Offices 16

Total Branches 16

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

12.33%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.1575%

Return on Equity (ROE)

11.9000%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

$3,298,672,000

Total Deposits

$2,585,726,000

Equity Capital

$324,199,000

Net Income

$19,276,000

Headquarters

Wichita

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Fidelity Bank National Association earned the Verified Healthy badge

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

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/fidelity-bank-national-association-rates-review-30895">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 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 National Association

How many branches does Fidelity Bank National Association operate?

Fidelity Bank National Association currently maintains approximately 16 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 National Association 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 National Association provides members with tools to manage their accounts and build a solid financial history.

Does Fidelity Bank National Association offer online and mobile banking?

Most modern institutions like Fidelity Bank National Association 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.fidelitybank.com.