The margin rate you pay depends on your outstanding margin balance—the higher your balance, the lower the margin rate you are charged.
| Debit balance | Margin rate | Effective rate |
|---|---|---|
| $1M+ | Base – 3.075% | 9.25% |
| $500,000-$999,999 | Base – 2.825% | 9.50% |
| $250,000–$499,999 | Base – 0.500% | 11.825% |
| $100,000–$249,999 | Base – 0.250% | 12.075% |
| $50,000–$99,999 | Base – 0.200% | 12.125% |
| $25,000–$49,999 | Base + 0.750% | 13.075% |
| $0–$24,999 | Base + 1.250% | 13.575% |
Fidelity's current base margin rate, effective since July 28, 2023, is 12.325%.
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