Community Reinvestment Act

The Community Reinvestment Act (CRA) was enacted in 1977 to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low and moderate income neighborhoods, consistent with safe and sound operations. Our record in helping meet the credit needs of the entire community is evaluated periodically by federal examiners. We provide the required CRA Public File online to make accessing and viewing the information more convenient. You can get details by selecting the links below.

Questions or comments about this information or regarding our CRA performance in helping to meet community credit needs may be addressed to:

Fidelity Bank
Attn: Compliance Officer
Post Office Box 8
Fuquay-Varina, NC 27526

Fidelity Bank Assessment Area

Get information about the communities we serve. The maps show each county where Fidelity Bank has a branch. Maps are color-coded by income in each census tract.

Locations and Services

Get information about our branch locations, branch changes, and the banking services that we offer.

Branch Locations

The branch locations document includes the branch name, address, and census tract

View Branch Locations

Branch Openings and Closings

The branch changes document lists the branches opened or closed during the current year and each of the prior two calendar years, street address, and census tracts.

View Branch Openings and Closings

Products, Services, and Fees

The following is a list of Fidelity Bank deposit and loan products generally offered at branch locations. You’ll find information such as hours of operation, transaction fees, and descriptions of differences at branch locations, if any. 

Deposit and Loan Products

Disclosure and Fee Schedule – Personal Deposit Accounts

Disclosure and Fee Schedule – Construction Deposit Accounts

Disclosure and Fee Schedule – Private Banking Deposit Account

Disclosure and Fee Schedule – Commercial Deposit Accounts

Disclosure and Fee Schedule – CD & IRA

Regulatory Documents

Get information about our Community Reinvestment Act Performance.

Performance Evaluation

View the most recent CRA Performance Evaluation prepared by the Federal Deposit Insurance Corporation (FDIC).

Performance Evaluation

Disclosure Act Notice

Access our Disclosure Statements for each of the last two calendar years. This CRA Disclosure Statements pertaining to the Bank may also be obtained on the Federal Financial Institutions Examination Council’s (FFIEC) website. 

Disclosure Statement 2021

Disclosure Statement 2022

Home Mortgage Disclosure Act (HMDA) Notice

The Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending is available online for review. The data shows the geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. 

HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau (CFPB) or the Federal Deposit Insurance Corporation (FDIC) websites.

Public Comments

Fidelity Bank has not received any written comments from the public for the current year or the previous two calendar years related to the Bank’s performance to meet community credit needs.