Interest Rates for Fidelity Individual Retirement Accounts (IRA)


Your IRA core position may be either the Fidelity Government Money Market Fund, a money market fund, Fidelity Cash Reserves, a money market fund, or an FDIC-Insured Deposit Sweep1.

Following are the current rates on the FDIC-Insured Deposit Sweep. The rate of return on Fidelity Government Money Market Fund and Fidelity Cash Reserves are shown below.

FDIC-Insured Deposit Sweep Balances2 Interest Rate (as of 11/30/2015) APY (as of 11/30/2015)
$0.00 - $49,999.99 0.01% 0.01%
$50,000.00 - $99,999.99 0.01% 0.01%
$100,000.00 - $499,999.99 0.01% 0.01%
$500,000.00 - AND ABOVE 0.01% 0.01%

Money market funds are also available as a liquid investment option within your IRA. Listed below are examples of the Fidelity money market funds available and their rates of return. Fidelity Cash Reserves, Fidelity Government Money Market Fund, and other available money market funds may have comparable rates of return on your cash than the FDIC-Insured Deposit Sweep. See more information on these and other money market funds. You may also learn more by calling a Fidelity Representative at 800-544-6666.

Fidelity Money Market Fund 7-day Yield3 (as of 11/30/2015) Effective Yield (as of 11/30/2015)
Fidelity Government Money Market 0.01% 0.01%
Fidelity Cash Reserves 0.01% 0.01%

Performance data shown represents past performance and is no guarantee of future results. Current and future portfolio holdings are subject to risk. Investment return and principal value will fluctuate, so you may have a gain or loss when shares are sold. Current performance may be higher or lower than that quoted. Visit for the most recent month-end performance.

*Fidelity Cash Reserves or Fidelity Government Money Market Fund are also available as a core position in Fidelity IRA Accounts.

A Note about Differences in Rates of Return. 
The rate of return of the FDIC-Insured Deposit Sweep is shown as the interest rate that will be paid on cash balances in your IRA that are deposited at a Program Bank. The Annual Percentage Yield (APY) takes into account the effect of monthly compounding of the interest posted to your account. The rate of return of a money market fund is typically shown for a seven-day period, as is the case with Fidelity Government Money Market Fund and Fidelity Cash Reserves displayed above, but is expressed as an annual percentage rate. It is referred to as the “7-day yield” and may change at any time based on the performance of the investments held by the money market fund. The effective yield on a money market fund reflects the effect of compounding of interest over a one-year period.

An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.

  1. The Cash Balance in the FDIC-Insured Deposit Sweep is swept to an FDIC-Insured interest-bearing account at a Program Bank. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance subject to FDIC insurance coverage limits. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. For more information about FDIC insurance coverage, please visit the FDIC Web site at or call 877-ASK-FDIC. As referenced in the FDIC-Insured Deposit Sweep Program Disclosures, customers are responsible for monitoring their total assets at a Program Bank to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules. Go to to see a list of Program Banks and the FDIC Disclosure Document.
  2. To determine the interest rate tier you are eligible to receive, we look at the Cash Balance in your FDIC-Insured Deposit Sweep as of the end of business each day. Interest rates may change at any time. See the FDIC-Insured Deposit Sweep Program Disclosures for more information, including a schedule of interest rates.
  3. The rate reflects 7-day yield with no compounding and is also published on

Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.