3.65% 60-Month CD at Fidelity Bank of Florida - Local Only

Fidelity Bank of Florida continues to offer competitive long-term CD rates. The rates have gone down a bit since my October post, but they remain competitive. The best two are the 3.65% APY 5-year CD and the 3.00% APY 48-month CD. Minimum deposit is $10,000 and $4,000 for an IRA CD. These rates are listed at the bank's rates page as of 11/30/09.

It appears that a branch visit is required to open an account. Branches are located in the Central Florida cities of Merritt Island, Longwood and Port Richey.

The bank's financial rating for safety and soundness has gone down at Bankrate.com from 2 stars to 1 star (lowest). It remains 2 stars (problematic) at BauerFinancial. Both ratings are based on 6/30/09 financial data. The bank has been a FDIC member since 1990 (FDIC Certificate # 33198).

Other High Certificate of Deposit Rates

• My weekly list of hot nationwide and local CD deals
• My weekly list of all nationwide CD deals
• Index of state CD and bank deals

Tags: Fidelity Bank of Florida, CD rates, IRA rates, Florida