What are Fidelity's current CD rates?

As of May 2026, Fidelity offers brokered CDs with rates ranging from approximately 4.30%–4.75% APY depending on the term. Fidelity acts as a broker — it sources CDs from multiple banks and makes them available through your Fidelity brokerage account. Rates change daily based on market conditions. Log in to your Fidelity account or visit fidelity.com to see current offerings.

What is a brokered CD and how is it different from a bank CD?

A brokered CD is issued by a bank but sold through a brokerage firm like Fidelity. Unlike a bank CD, a brokered CD can be sold on the secondary market before maturity — you don't have to pay an early withdrawal penalty, but the price you receive may be less than your original deposit if interest rates have risen. Brokered CDs are FDIC-insured at the issuing bank (up to $250,000 per bank), not at Fidelity. You can hold brokered CDs from multiple banks in a single Fidelity account.

Are Fidelity CDs FDIC-insured?

Yes, Fidelity brokered CDs are FDIC-insured at the issuing bank, up to $250,000 per depositor per bank. Because Fidelity can source CDs from many different banks, you can exceed $250,000 in total CD coverage within a single Fidelity account — each CD from a different bank gets its own $250,000 insurance. This is a key advantage for large depositors compared to keeping everything at a single bank.

What is the minimum deposit for a Fidelity CD?

Most Fidelity brokered CDs have a minimum purchase of $1,000, with increments of $1,000. Some new-issue CDs may have different minimums. There is no maximum purchase limit. Brokered CDs are purchased in the CD marketplace within your Fidelity account — you do not need to contact the issuing bank separately.

What happens if I need to access my money before a Fidelity CD matures?

Unlike bank CDs, brokered CDs at Fidelity can be sold on the secondary market before maturity. There is no fixed early withdrawal penalty, but your sale proceeds depend on current interest rates — if rates have risen since you bought the CD, you may sell at a loss (receiving less than your original deposit). If rates have fallen, you may sell at a gain. This is more flexible than a bank CD with a fixed penalty but introduces market price risk.

Fidelity CD Rates 2026 — Brokered CD APYs, Terms, and How They Work

Fidelity CD rates in May 2026 range from 4.30%–4.75% APY through its brokered CD marketplace. Unlike Chase or Bank of America, Fidelity doesn’t issue CDs directly — it acts as a broker, making CDs from multiple banks available through your Fidelity account. This structure offers some unique advantages (secondary market liquidity, multi-bank FDIC coverage) and one key difference from bank CDs: there’s no fixed early withdrawal penalty.

Rates shown are approximate as of May 2026 and change daily based on market conditions. Log in to your Fidelity account to see live current offerings.

Fidelity Brokered CD Rates — May 2026

Term	Approximate Rate Range	Minimum Purchase
1 month	4.30%–4.45% APY	$1,000
3 months	4.35%–4.55% APY	$1,000
6 months	4.40%–4.65% APY	$1,000
9 months	4.35%–4.60% APY	$1,000
1 year	4.40%–4.70% APY	$1,000
18 months	4.20%–4.50% APY	$1,000
2 years	4.00%–4.30% APY	$1,000
3 years	3.80%–4.10% APY	$1,000
5 years	3.60%–3.90% APY	$1,000

Rates are estimates based on publicly available information for brokered CD new issues and secondary market. Fidelity’s CD marketplace is live and rates change daily. Log in to view current offerings — rates for the same term can vary by issuing bank.

What a $10,000 Fidelity CD Earns

Term	Rate	Interest Earned	Total at Maturity
6 months	4.55%	$224	$10,224
1 year	4.60%	$460	$10,460
2 years	4.15%	$850	$10,850
3 years	3.95%	$1,241	$11,241

How Fidelity’s CD Marketplace Works

When you open a CD at Fidelity, you’re buying a brokered CD — not a direct bank CD. Here’s what’s different:

Multiple issuers in one account — Fidelity sources CDs from dozens of banks. You can hold CDs from 10 different banks within a single Fidelity account, each FDIC-insured up to $250,000. This gives you effective FDIC coverage of $2.5 million+ through a single account relationship.
New-issue vs. secondary market — Fidelity offers both new-issue CDs (freshly issued by a bank, with set terms and rates) and secondary market CDs (previously issued CDs being resold by other investors, which may trade at a premium or discount).
No early withdrawal penalty — but price risk — You cannot call the issuing bank and break a brokered CD early. Instead, you sell it on the secondary market. If rates have risen since you bought it, the CD’s market price will be lower and you may sell at a loss. If rates have fallen, you may sell at a gain.
Semi-annual interest payments — Many brokered CDs pay interest every 6 months rather than at maturity. This can be useful for generating regular income, though you’ll owe tax on the interest each year it’s received.

Fidelity Brokered CD vs. Direct Bank CD

Feature	Fidelity Brokered CD	Direct Bank CD (e.g., Ally, Marcus)
Current 1-year rate	4.40%–4.70% APY	4.50%–4.80% APY
FDIC coverage	Yes (at issuing bank, $250K per bank)	Yes ($250K at that bank)
Early exit	Sell on secondary market (price risk)	Fixed penalty (no price risk)
Multiple banks in one account	Yes	No (one account = one bank)
Interest payment	Often semi-annual	Usually at maturity or monthly
Minimum	$1,000	$0–$2,500
Where to open	fidelity.com	Bank’s own website

Which is better? For most savers, direct bank CDs from top online banks pay slightly higher rates and are simpler (fixed penalty instead of market price risk). Fidelity brokered CDs become more attractive when:

You already have a Fidelity brokerage account and want to manage CDs alongside investments
You need to spread more than $250,000 across multiple FDIC-insured institutions and want to do it from a single account
You want the flexibility to sell before maturity if needed (accepting market price risk)

FDIC Insurance for Large Deposits at Fidelity

One of the biggest advantages of Fidelity’s brokered CD marketplace for high-net-worth savers: you can hold CDs from many different banks in a single Fidelity account, each insured separately.

Total CD Holdings at Fidelity	# Different Issuing Banks	FDIC Coverage
$250,000	1	Fully covered
$1,000,000	4 (or more)	Fully covered
$2,500,000	10	Fully covered

Fidelity’s system automatically tracks which CD is at which bank. Just be sure no single issuing bank holds more than $250,000 of your funds across all CD positions.

How to Buy a CD at Fidelity

Log in to your Fidelity account (or open one at fidelity.com — brokerage accounts are free)
Go to Fixed Income & Bonds → CDs & Ladders
Filter by term, rate, and FDIC insurance status
Select a new-issue or secondary market CD — check the issuing bank, coupon rate, maturity date, and whether it’s callable
Purchase in $1,000 increments
Track maturity — Fidelity sends alerts before maturity; you can set auto-renewal or let proceeds flow to your core account

Watch for callable CDs: Some brokered CDs are “callable” — the issuing bank can redeem them before maturity if rates fall. This protects the bank but exposes you to reinvestment risk. Prefer non-callable CDs when possible. See Callable CDs for more detail.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy