Fidelity CD Rates for June 2026: What to Know

Fidelity CD rates currently run from about 3.70% to 4.35% APY depending on the term and CD type, making the brokerage a solid option for savers who already keep money there, though not always the top payer in the market. As of June 15, 2026, at 10:17 a.m. ET, here is how Fidelity's certificates of deposit stack up and what you need to know before buying one.

How Fidelity CDs Actually Work

Unlike a CD you'd open directly at a bank, a Fidelity CD is a brokered CD. That means Fidelity acts as a middleman, buying large blocks of CDs from issuing banks and reselling pieces of them to its brokerage customers. You need an open Fidelity brokerage account to buy one, and the CD itself is still technically an obligation of whichever bank originally issued it.

Fidelity sells two main varieties. The standard new issue CD comes in $1,000 increments, so a $10,000 investment means buying ten separate CDs. At any given time, Fidelity typically has somewhere between 50 and 100 new issue CDs available, with terms ranging from 3 to 60 months and APYs between 3.90% and 4.35%. There's no cost to purchase one. Investors who want a lower entry point can instead choose a fractional CD, sold in $100 increments with a fixed 24 month term and APYs between 3.70% and 4.05%.

Fidelity also sells prepackaged CD ladders that stagger maturities across several terms, which can be useful for anyone trying to keep a steady flow of cash coming due without locking everything into one date.

Selling Early Works Differently Than a Bank Penalty

Walk away from a bank CD before it matures and you typically eat an early withdrawal penalty, often worth several months of interest. Fidelity's brokered CDs skip that penalty structure entirely. Instead, if you need your money before maturity, you sell the CD on Fidelity's secondary market for a flat fee of $1 per CD.

That flexibility comes with a catch. Brokered CD prices move with interest rates on a daily basis, so the resale value of your CD can drop below what you originally paid. Sell during a period when rates have climbed since your purchase, and you could take a loss on your principal. There's also no guarantee a buyer will want your CD at any given moment: Fidelity notes that your ability to sell depends entirely on investor demand at the time, which adds a layer of liquidity risk that a traditional bank CD simply doesn't carry.

Where Fidelity's Rates Land Against the Competition

Fidelity's rates sit on the higher end of what banks generally offer, and the range of available terms, from a few months out to five years, gives savers plenty of flexibility to match a CD to their timeline. But