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Certificate of Deposit Term	APY^*
CD Term 30-89 Day Certificate of Deposit	APY^* 0.25%
CD Term 90-179 Day Certificate of Deposit	APY^* 0.65%
CD Term 180-364 Day Certificate of Deposit	APY^* 1.00%
CD Term 12-17 Month Certificate of Deposit	APY^* 1.25%
CD Term 18-23 Month Certificate of Deposit	APY^* 1.55%
CD Term 24-29 Month Certificate of Deposit	APY^* 1.60%
CD Term 30-35 Month Certificate of Deposit	APY^* 1.60%
CD Term 36-47 Month Certificate of Deposit	APY^* 1.70%
CD Term 48-59 Month Certificate of Deposit	APY^* 1.80%
CD Term 60-71 Month Certificate of Deposit	APY^* 1.90%
CD Term 72-83 Month Certificate of Deposit	APY^* 2.00%
CD Term 84-95 Month Certificate of Deposit	APY^* 2.10%
CD Term 96-107 Month Certificate of Deposit	APY^* 2.20%
CD Term 108-120 Month Certificate of Deposit	APY^* 2.25%

Certificate of Deposit Term	APY^*
CD Term 30-89 Day Certificate of Deposit	APY^* 0.25%
CD Term 90-179 Day Certificate of Deposit	APY^* 0.65%
CD Term 180-364 Day Certificate of Deposit	APY^* 1.00%
CD Term 12-17 Month Certificate of Deposit	APY^* 1.25%
CD Term 18-23 Month Certificate of Deposit	APY^* 1.55%
CD Term 24-29 Month Certificate of Deposit	APY^* 1.60%
CD Term 30-35 Month Certificate of Deposit	APY^* 1.60%
CD Term 36-47 Month Certificate of Deposit	APY^* 1.70%
CD Term 48-59 Month Certificate of Deposit	APY^* 1.80%
CD Term 60-71 Month Certificate of Deposit	APY^* 1.90%
CD Term 72-83 Month Certificate of Deposit	APY^* 2.00%
CD Term 84-95 Month Certificate of Deposit	APY^* 2.10%
CD Term 96-107 Month Certificate of Deposit	APY^* 2.20%
CD Term 108-120 Month Certificate of Deposit	APY^* 2.25%

Certificate of Deposit Term	APY^*
CD Term 7-29 Day Certificate of Deposit	APY^* 0.05%
CD Term 30-89 Day Certificate of Deposit	APY^* 0.05%
CD Term 90-179 Day Certificate of Deposit	APY^* 0.05%
CD Term 180-364 Day Certificate of Deposit	APY^* 0.05%
CD Term 18-23 Month Certificate of Deposit	APY^* 0.15%
CD Term 24-29 Month Certificate of Deposit	APY^* 0.20%
CD Term 30-35 Month Certificate of Deposit	APY^* 0.20%
CD Term 36-47 Month Certificate of Deposit	APY^* 0.40%
CD Term 48-59 Month Certificate of Deposit	APY^* 0.60%
CD Term 60-71 Month Certificate of Deposit	APY^* 0.80%
CD Term 72-83 Month Certificate of Deposit	APY^* 0.80%
CD Term 84-95 Month Certificate of Deposit	APY^* 0.80%
CD Term 96-107 Month Certificate of Deposit	APY^* 0.80%
CD Term 108-120 Month Certificate of Deposit	APY^* 0.80%
CD Term 121-144 Month Certificate of Deposit	APY^* 0.80%

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Interest rates and annual percentage yields effective as of 11/23/2018. Please see Disclosures for additional details.

¹Excludes promotional rates.

²Subject to loan approval. Excludes mortgages.

CONDITIONS FOR ALL CERTIFICATES OF DEPOSIT:
If you decide to withdraw a portion or all of your deposit before the end of the term, certain penalties will apply.
All Flagstar CDs are FDIC insured.
Minimum opening balance is $500.
Account fees could reduce earnings.
Not available for public units.

Minimum balance to obtain the APY is $500

TRANSACTION LIMITATIONS:
You may not make any additional deposits into your account before the CD matures.
You may make withdrawals of principal from your account, with penalty and before maturity, only if we agree at the time you request the withdrawal.
You may withdraw interest any time during the term after the interest is credited to your account.

A PENALTY MAY BE IMPOSED ON AMOUNTS WITHDRAWN BEFORE MATURITY. IF THE CERTIFICATE OF DEPOSIT HAS A TERM OF:
7 to 29 days — The penalty we impose will be 7 days of interest, whether earned or unearned.
30 to 179 days — The penalty we impose will be 30 days of interest, whether the interest is earned or unearned.

180 to 364 days — The penalty we impose will be 90 days of interest, whether the interest is earned or unearned.

12 to 35 months — The penalty we impose will be 180 days of interest, whether the interest is earned or unearned.
36 months or more — The penalty we impose will be 365 days of interest, whether the interest is earned or unearned.

If your Certificate of Deposit is automatically renewable, we can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. The interest rate will be the same as the rate that we offer on new Certificates of Deposit on the maturity date, which have the same term, minimum balance (if any) and other features as the original Certificate of Deposit.