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FLAGSTAR 12-MONTH CD

Lock-in our best CD rate today

4.30% APY1

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4.30% APY1 guaranteed for 12 months

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Open with just $500

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FDIC protection up to $250,0002

Lock in your rate today →

Secure application  |  Open in minutes

Start earning more with this limited-time CD rate

step 1

Apply securely online

It only takes a few minutes to complete
the application.

step 2

Add $500 or more

Fund your account with at least $500 to start earning 4.30% APY.1

step 3

Earn for 12 months

Watch your savings grow at a guaranteed rate for the next 12 months.

Lock in your rate today →

See how much you can earn with our best CD rate

Just move the slider, and we'll show you what your savings could look like in 12 months.

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$1,325
Estimated interest earned
Estimated value after 12 months $51,325
Initial deposit
$50,000
$500 $200,000
This example is for illustrative purposes only. Estimated earnings are based on a 4.30% APY 12-month CD. Actual earnings may vary depending on account terms, funding timing, and withdrawals, if applicable.
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Reach your savings goals faster and enjoy these benefits

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Limited-time CD rate

Earn 4.30% APY1 on a 12-month CD when you deposit $500 or more.

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Guaranteed returns

Your rate is locked in for the 12-month term, so you know exactly what you'll earn from day one.

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Peace of mind

Your CD is FDIC insured up to $250,000 per depositor.2

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No monthly fees

Keep more of your earnings with no fees when you hold your CD to maturity.

12-month CD FAQs

The minimum opening deposit for this 12-month CD is $500.

You will need to provide some personal info, like your name and address, as well as your funding account information.

You can fund your CD during the online application by securely linking an account from another bank.

Yes. Flagstar is an FDIC-insured bank, which means customer CDs are insured up to at least $250,000 per depositor, for each deposit category.2

There are no monthly fees if you hold your CD to maturity.

The early withdrawal fee on this Flagstar 12-month CD is 180 days of daily compound interest.

When your CD term ends, you have options—renew it, choose a new term, move your money to a different savings option, or withdraw your funds.

Open a 12-month CD today and get

4.30% APY1

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4.30% APY1 guaranteed for 12 months

Check mark

Open with just $500

Check mark

FDIC protection up to $250,0002

Lock in your rate today →

Secure application  |  Open in minutes

We reserve the right to change account benefits at any time without notice. Certain restrictions may apply. Interest rates are tiered to a maximum amount.

1Annual Percentage Yield (APY). 4.30% APY is accurate as of 10/20/2026 and available as a 12-month term. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. $500 minimum opening deposit required. Maximum deposit is $10 million. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply. Offer subject to change or cancellation at any time without notice. Must present offer at account opening. Limited-time offer. Important information will be provided to you in the disclosures you receive during the account opening process. Please contact your local branch for more information.

2Visit fdic.gov for more information about FDIC insurance coverage.