Fidelity CD Rates
Updated August 2026 · By the Fintiex Rate DeskFidelity runs one of the largest brokered CD marketplaces in the country. Instead of issuing its own CDs, it lists new-issue certificates from dozens of FDIC-insured banks, and you buy them inside your Fidelity brokerage account. Because many banks compete on the same shelf, Fidelity's top rates are usually close to the best in the market.
In mid-2026 the top new-issue rates at Fidelity ran from roughly 4.10% APY on a 1-year CD up to about 4.45% on a 5-year, with short 3-month paper around 4.30%. The standard minimum is $1,000, and Fidelity also offers fractional CDs with a $100 minimum.
For savers who already keep a Fidelity account, this is one of the strongest CD options anywhere: competitive rates, wide term selection, and the ability to spread money across multiple issuing banks for extra FDIC coverage without opening new accounts.
Fidelity CD rates
Brokered CDs issued by partner FDIC-insured banks. Minimum deposit: $1,000 ($100 for fractional CDs).
Rates as of mid-2026. Brokered CD inventory and rates change daily. The figures above are the top new-issue rates observed in mid-2026; the exact banks and yields on the shelf will differ on any given day. Check the live marketplace at fidelity.com before buying.
How Fidelity CD rates compare
Fidelity's top rates generally match or beat the best online bank CDs. The strongest nationally available 12-month bank CDs were paying around 4.10% APY in mid-2026, right where Fidelity's 1-year new issues sat, and Fidelity's longer terms often beat what online banks offer at 4 and 5 years.
Against the FDIC national average of roughly 1.99% for a 1-year CD, everything on Fidelity's shelf is a dramatic improvement. The real comparison is against other brokerages: Fidelity, Schwab, and Vanguard shelves usually carry similar inventory, so convenience should drive the choice.
Before you open: the fine print
Brokered CDs pay simple interest to your core position rather than compounding, and there is no early withdrawal option, only a secondary-market sale at whatever the current price is. Callable CDs also appear on the shelf at higher headline rates; check the call schedule before assuming you will earn that rate for the full term.
Fidelity CD questions, answered
Are Fidelity CDs FDIC-insured?
Yes. Each CD is issued by an FDIC-member bank and carries the standard $250,000 per depositor, per bank coverage. Buying CDs from several issuers inside one Fidelity account is a common way to insure more than $250,000 in total.
What is a fractional CD at Fidelity?
The same new-issue brokered CD sold in $100 increments instead of $1,000. Rates are identical to the full-size version; it simply lowers the entry point for small ladders.
Can I lose money in a Fidelity CD?
If you hold to maturity, no; you receive full principal plus interest, and FDIC insurance covers bank failure. You can only lose money by selling early on the secondary market after rates have risen, which pushes resale prices down.
Fidelity CDs vs Fidelity money market: which is better?
The money market keeps cash liquid and its yield floats with the market. A CD locks today's rate for the full term. If the Fed is cutting rates, locking a CD protects your yield; if you may need the cash, the money market avoids any resale risk. Many savers hold both.
Next step
Before locking any CD, spend two minutes comparing the term you want against the current national leaders. If you need the money to stay liquid, a top high-yield savings account may serve you better than a short CD.