Fidelity CD Rates: June 2025

Fidelity's brokered CDs offer competitive rates but also different risks

By

澳洲幸运5官方开奖结果体彩网:Ben Luthi

Updated June 06, 2025

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Fidelity offers brokered certificates of deposit (CDs), which function similarly to traditional bank CDs for the most part. Brokers purchase bank CDs in large denominations, then resell them to their customers in smaller♛ denominations.

Fidelity offers two types of CDs—standard new issue CDs and fractional CDs—with varying terms. Fidelity’s CD rates are competitive with some of 澳洲幸运5官方开奖结果体彩网:the best CDs, but it's important꧋ t🎀o understand how they work and their potential risks before you open one.

Fidelity CDs: Key Features

New Issue CD Key Features
APY Range	4.25%–4.45%
Term Range	3–60 months
Minimum Deposit	$1,000
Trading Fee Upon Sale	$1 per CD

Fidelity's new issue CDs are sold in $1,000 increments—if you want to invest $10,000, for instance, you'd buy 10 CDs. You can also purchase prepackaged 澳洲幸运5官方开奖结果体彩网:CD ladders with varying terms. There are typically from 50 to 100 new ♑issue offerings at any point in time. There's no trading fee to purchase a new issue CD🐟.

There's also no early withdrawal penalty if you decide to liquidate your CD. Instead, you'll sell the CD on the broker's secondary market. If you do so, there's a fee of $1 per CD.

Because interest rates on 澳洲幸运5官方开奖结果体彩网:brokered CDs can fluctuate daily, though, your CD may be worth less than its original value on the secondary market, which means you may get less than your original investment if you decide to sell.

Fractional CD Key Features
APY Range	4.00%-4.40%
Term Range	24 months
Minimum Deposit	$100
Trading Fee Upon Sale	$1 per CD

Fidelity's Fractional CD differs from its traditional new issue CDs by offering lower minimums—each CD starts at $100. However, interest rates are a bit different, and term options are more limited.

There's no fee to purchase a fractional CD; if you decide to sell, the same trading fee and potential risks apply as with new issue CDs.

Compare Fidelity CD Rates

Fidelity's CDs are safe investments that can guarantee a certain return, and some have very competitive APYs. But they come with certain limitations, as well. See a broader selection of savings accounts below to find the right place for your money.

Pros and Cons of Fidelity CDs

Pros

Competitive rates
Variety of terms

Cons

Potentially better rates elsewhere
Minimum deposit

Pros Explained

Competitive rates; Fidelity CDs can offer rates on the higher end of up to 4.45%, depending on the term length.
Variety of terms: You can find several term lengths among Fidelity CDs, although only up to five years.

Cons Explained

Potentially better rates elsewhere: You may be able to earn more with your CD investment by shopping around and comparing rates.
Minimum deposit: In some cases, you may have to make a minimum deposit of up to $1,000.

Warning

Your ability to sell your CD on the secondary market depends on whether there are investors interested in buying it. As a result, there's no guarantee that you'll be able to sell your CD when you want to, which increases your 澳洲幸运5官方开奖结果体彩网:liquidity risk compared to a bank CD.

About Fidelity Investments

Fidelity Investments offers brokered CDs to its customers nationwide, but you'll need to have a brokerage account to buy them. Compared to 澳洲幸运5官方开奖结果体彩网:CD rates offered by banks, the best Fidelity CD 🔴rates are quite competitive and worth exploring.

While the brokerage firm offers a 澳洲幸运5官方开奖结果体彩网:cash management account, which offers a high APY and can be used like a checking account with a debit card and check-writing privileges, it doesn't offer any typical bank account products or services.

Alternatives for Fidelity CDs

High-yield savings accounts: If you’re willing to open an online savings account elsewhere, you may be able to earn higher rates than what Fidelity offers. See the 澳洲幸运5官方开奖结果体彩网:best high-yield savingsꦛ account rates to compare how much you could earn.
High-yield checking accounts: You may find relatively high rates with some checking accounts. Be aware of their requirements and limits. The 澳洲幸运5官方开奖结果体彩网:𒁏best high-interest checkinꩲg accounts give you easy access to your money.
Certificates of deposit (CDs): You can also choose from a range of 澳洲幸运5官方开奖结果体彩网:CDs from other fina෴ncial institutions.
Money market account: Money market account can also provide a return on your savings. Check the 澳洲幸运5官方开奖结果体彩网:best money market account rates to see how it compares.
Treasury securities: These government-backed bills, notes, and bonds sometimes offer even higher rates than CDs and may be more liquid.

Frequently Asked Questions (FAQs)

Are Fidelity CD Rates Competitive?

Yes, CD rates at Fidelity Investments are competitive with the top CD rates from traditional b💦anks and credit unions. Before you invest in a brokered CD with Fidelity, shop﷽ around to ensure you get the best rate based on your deposit and liquidity needs.

What Is the Minimum Deposit for Fidelity CDs?

For Fidelity’s standard new issue CDs, the minimum investment is $1,000, and you have to purchase CDs in $1,000 increments. If you want more flexibility, you can opt for a fractional CD, which has a minimum investment of just $100. Learn more about the 澳洲幸运5官方开奖结果体彩网:pros and cons of brokered CDs.

How Do You Open a Fidelity CD Account?

You can 🙈澳洲幸运5官方开奖结果体彩网:open a Fidelity br💞okerage account online through the broker's website. To do so, you'll need to provide some basic information about yourself, including your name, date of birth, Social Security number, and employment information.

If you'd like to transfer funds from your bank or another brokerage account to your new Fidelity account, you can do so during the account opening process.

Are Fidelity CDs FDIC-Insured?

Yes, because Fidelity buys large-denomination CDs from banks, your investment is technically an obligation of the issuing banks and, therefore, 澳洲幸运5官方开奖结果体彩网:FDIC-insured.

What's more, because Fidelity purchases CDs from various issuing banks, you may be able to get more than the standard limit of $250,000 in FDIC coverage per account owner, per issuer, without needing to open multiple brokerage accounts.

Your Guide to CDs

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