Latest Fifth Third Bank Interest Rates - September 2026

Fifth Third Bank Interest Rates & Loan Products Overview

Quick Summary: Comprehensive review of current retail interest rates and consumer financing products offered by Fifth Third Bank, National Association (FITB):

Key Benchmark & Deposit Rates:

• Reference Prime Rate: Standing at 6.75%, indexing variable-rate borrowing, home equity lines of credit (HELOC), and consumer credit cards.
• Savings & CDs: Standard Fifth Third Momentum Savings earns a baseline 0.01% APY. Featured Special Certificates of Deposit (CDs) offer promotional yields including 4.16% APY (3-month), 3.50% APY (6-month), 3.99% APY (7-month & 13-month), and 3.00% APY (24-month) for qualifying balances.

Consumer Loans & Retail Financing:

• Mortgage Loans: Standard 30-Year Fixed purchase rates start around 6.750% (approx. 6.850% APR), alongside 15-Year Fixed and ARM financing options with loan terms up to 30 years, zero prepayment penalties, and down payment assistance grants for eligible homebuyers.
• Auto Financing: Auto loan financing through participating dealer networks starts as low as 5.04% APR for up to 60–72 months, featuring a 0.25% interest rate discount for setting up automatic payments from a Fifth Third checking account.
• Personal Loans: Unsecured installment Signature Loans feature fixed APRs ranging from 7.99% to 19.74% for borrowing amounts between $2,000 and $50,000 with terms up to 60 months and zero origination fees.
• Credit Cards: Core credit cards (e.g., Truly Simple® and 1.67% Cash/Back Card) feature introductory 0% APR terms followed by a variable purchase APR starting at 18.49% (scaling up to 29.49% based on creditworthiness) with a 23-day grace period.

💡 Financial Tip: Promotional CD yields, closing assistance eligibility, and credit margins may differ depending on geographic ZIP code and checking account relationship status. Confirm exact localized quotes directly on 53.com prior to applying.