Fidelity review: fees, features and futures
No futures, but a strong default cash yield and a new active-trader platform, Trader+.
Visit FidelityBest for
Stock and options traders who keep large cash balances.
Watch out for
It offers no futures trading, and its margin rates sit above 10%.
Fees and account details
- Stocks and ETFs
- $0
- Options
- $0.65 per contract; buy-to-close at $0.65 or less is free
- Micro E-mini futures
- Not offered
- E-nano futures
- Not offered
- Also charged
- None
- Platform fee
- None
- Minimum deposit
- $0
- Margin rate, $25,000
- 11.575%
- Margin rate, $100,000
- 10.575%
- Cash yield
- SPAXX money market, 3.49% 7-day yield (Oct 8, 2026)
- Platforms
- Fidelity Trader+, web, mobile
- Regulation
- Fidelity Brokerage Services LLC (FINRA, SIPC)
Features and services
- Crypto
- Spot bitcoin, ether, litecoin and solana, fee up to 1%; crypto IRAs available
- Retirement accounts
- Traditional, Roth, Rollover and SEP IRAs, plus crypto IRAs; no contribution match
- International
- Stocks in 25 countries and 16 currencies
- Trading hours
- Pre-market from 7:00 AM, after-hours until 8:00 PM ET; no overnight session
- Fractional shares
- Dollar-based, from $1, on NYSE and Nasdaq stocks and ETFs
- Prediction markets
- Not found
- Tools and research
- Fidelity Trader+ with linked charts and live data across web, desktop and mobile
- Account fees
- $0 minimum
- Support
- Phone 24/7; chat weekdays 8 AM to 10 PM and weekends 9 AM to 4 PM ET; Investor Centers
- Account protection
- SIPC up to $500,000 ($250,000 cash) plus excess coverage with no per-customer securities limit
What's new
Sources
Figures come from these Fidelity pages unless marked "reported." Rates change, so confirm them on the broker's site before opening an account.
- https://www.fidelity.com/trading/commissions
- https://www.fidelity.com/trading/margin-loans/margin-rates
- https://fidelity.com/cashvalue
- https://fidelity.com/crypto/help-desk/placing-trade
- https://www.fidelity.com/stock-trading/international-stock-trading
- https://www.fidelity.com/trading/fractional-shares
- https://www.fidelity.com/customer-service/contact-us
- https://www.fidelity.com/why-fidelity/safeguarding-your-accounts