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Savings Accounts

Let's turn wishful thinking into active doing. Reach your goals with a Flagstar savings account. 

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Savings accounts for goals, rainy days, and peace of mind

Start saving for your goals, whether they are big or small, near or far off. Choose from a range of unique features, great rates, and easy ways to avoid fees. Need a hand? Our talented bankers are ready to help.

Start Saving

Keep your money growing so you’re ready for anything. 

  • Earn interest 
  • $0 monthly fee with Flagstar personal checking relationship
  • Online and Mobile Banking 

Earn More

Level up your savings with premium rates and features.

  • Interest rate increases with your balance
  • $0 monthly fee with Flagstar personal checking relationship
  • Convenient ways to make a deposit
 

More great ways to save

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PerfectHealth Savings

Save for healthcare expenses with PerfectHealth Savings, a health savings account that complements your high deductible health plan.

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Flagstar Kids Savings

Let your child practice spending and saving with this no-cost, kid-friendly account.

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Club Savings

Save for your annual vacation, holiday expenses, or whatever you want with Club Savings.

Bank on the go with Mobile Banking.1

Mobile Banking lets you pay bills, move money, deposit checks,2 and much more. Add this easy-to-use app to your Android or iPhone and manage your money on your schedule.3

So many ways to save

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Earn interest on your savings.

Your money works harder with interest on your savings.

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Convenient ways to make a deposit

It's your choice: online, at a Flagstar ATM or branch, via mobile deposit2 or direct deposit,  by phone, with automatic transfers, and more.

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Minimum opening deposit

$1

$1

Interest bearing

  •  

  •  

Maintenance service charge

$3

$15

Avoid maintenance service charge

  • Maintain a $300 average daily balance OR
  • With Flagstar personal checking relationship OR
  • Account owner 18 or younger

  • Maintain a $10,000 average daily balance OR
  • With Flagstar personal checking relationship

Start saving. Open a savings account today.

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Visit a branch

We’ll walk you through it. Stop by the nearest branch to open an account in person.

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Certificate of Deposit Accounts

Whether you're saving for a short-term goal or one that's a few years down the road, a certificate of deposit (CD) can make it happen even faster.

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Flagstar Visa® Credit Cards

Choose a credit card with the perks you want, like cash back, rewards, bonuses, and more.

1Not all devices supported. Available for eligible personal and business deposit account customers only.

2Not all devices supported. Available for eligible personal and business checking and savings account customers only. Must be an active mobile banking user. Must be a customer for a minimum of two business days. Accounts must be in good standing.

3Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc.