Fidelity margin rates
Fidelity charges 10.575% a year on a $100,000 margin loan and 11.575% on $25,000, according to its published schedule, dated September 18, 2026 (base rate effective). At $100,000 that is tied for 10th lowest of the 14 brokers we compare.
- On $25,000
- 11.575%$2,894 a year · tied 10th lowest of 14
- On $100,000
- 10.575%$10,575 a year · tied 10th lowest of 14
- On $500,000
- –not published; the broker says to call
- Fidelity base margin rate
- 10.825%2026-09-18
The full schedule
| Debit balance | Annual rate | How it is set |
|---|---|---|
| $0 to $24,999 | 12.075% | 1.250% above base rate |
| $25,000 to $49,999 | 11.575% | 0.750% above base rate |
| $50,000 to $99,999 | 10.625% | 0.200% below base rate |
| $100,000 to $249,999 | 10.575% | 0.250% below base rate |
| $250,000 to $499,999 | 10.325% | 0.500% below base rate |
The rate for the tier your balance falls in applies to the whole balance.
Worth knowing
Fidelity prints no rate for balances of $500,000 or more.
Source
Fidelity margin rates page: "Fidelity's current base margin rate, effective since September 18, 2026, is 10.825%.". Schedule date: September 18, 2026 (base rate effective). Checked 2026-10-24. Rates change without notice; the broker's own disclosure governs.
What will borrowing cost?
Published rates, simple interest