Certificates of Deposit
With terms as short as one month all the way up 10 years, our certificate of deposit accounts are perfect for a range of CD savings goals.
Lock in a great rate to save today.
Whether you’re looking to earn more in the short term or are able to save for the long haul, our wide range of certificates of deposit can meet your financial needs. Our bankers can lock you into a guaranteed rate that offers higher returns and zero market risk—just choose your terms and start earning.
Want to earn even more? Maintain $5,000 or more in combined checking, savings, and money market accounts for preferred rates.1
KEY ACCOUNT FEATURES:
- Competitive yields
- Maturities from 7 days to 10 years
- Low minimum opening deposit of $500
- Preferred CD rates are available by keeping $5,000 or more in CD returns, savings, and money market accounts1
- FDIC insured
- Automatic renewal on fixed certificates
- Automatic monthly or annual transfer of CD interest to your checking, savings, or money market accounts
- 24-Voice Phone Banking Call (888) 248-6423
Meet with us at one of our branches to learn more about how to open a certificate of deposit.
CD Return Rates
| Certificate of Deposit Term | APY* |
|---|---|
CD Term 13 Month Certificate of Deposit |
APY* 0.25% |
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 12-17 Month Certificate of Deposit |
APY* 0.10% |
CD Term 18-23 Month Certificate of Deposit |
APY* 0.10% |
CD Term 24-29 Month Certificate of Deposit |
APY* 0.10% |
CD Term 30-35 Month Certificate of Deposit |
APY* 0.10% |
CD Term 36-47 Month Certificate of Deposit |
APY* 0.10% |
CD Term 48-59 Month Certificate of Deposit |
APY* 0.20% |
CD Term 60-71 Month Certificate of Deposit |
APY* 0.30% |
CD Term 72-83 Month Certificate of Deposit |
APY* 0.35% |
CD Term 84-95 Month Certificate of Deposit |
APY* 0.40% |
CD Term 96-107 Month Certificate of Deposit |
APY* 0.40% |
CD Term 108-120 Month Certificate of Deposit |
APY* 0.40% |
CD Return Rates
| Certificate of Deposit Term | APY* |
|---|---|
CD Term 13 Month Certificate of Deposit |
APY* 0.25% |
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 12-17 Month Certificate of Deposit |
APY* 0.10% |
CD Term 18-23 Month Certificate of Deposit |
APY* 0.10% |
CD Term 24-29 Month Certificate of Deposit |
APY* 0.10% |
CD Term 30-35 Month Certificate of Deposit |
APY* 0.10% |
CD Term 36-47 Month Certificate of Deposit |
APY* 0.10% |
CD Term 48-59 Month Certificate of Deposit |
APY* 0.20% |
CD Term 60-71 Month Certificate of Deposit |
APY* 0.30% |
CD Term 72-83 Month Certificate of Deposit |
APY* 0.35% |
CD Term 84-95 Month Certificate of Deposit |
APY* 0.40% |
CD Term 96-107 Month Certificate of Deposit |
APY* 0.40% |
CD Term 108-120 Month Certificate of Deposit |
APY* 0.40% |
CD Return Rates
| Certificate of Deposit Term | APY* |
|---|---|
CD Term 13 Month Certificate of Deposit |
APY* 0.25% |
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 12-17 Month Certificate of Deposit |
APY* 0.10% |
CD Term 24-29 Month Certificate of Deposit |
APY* 0.10% |
CD Term 36-47 Month Certificate of Deposit |
APY* 0.10% |
CD Term 48-59 Month Certificate of Deposit |
APY* 0.20% |
CD Term 60-71 Month Certificate of Deposit |
APY* 0.30% |
CD Term 72-83 Month Certificate of Deposit |
APY* 0.35% |
CD Term 84-95 Month Certificate of Deposit |
APY* 0.40% |
CD Term 96-107 Month Certificate of Deposit |
APY* 0.40% |
CD Term 108-120 Month Certificate of Deposit |
APY* 0.40% |
CD Term 121-144 Month Certificate of Deposit |
APY* 0.80% |
CD Return Rates
| Certificate of Deposit Term | APY* |
|---|---|
CD Term 13 Month Certificate of Deposit |
APY* 0.25% |
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* 0.10% |
CD Term 24-29 Month Certificate of Deposit |
APY* 0.10% |
CD Term 30-35 Month Certificate of Deposit |
APY* 0.10% |
CD Term 36-47 Month Certificate of Deposit |
APY* 0.10% |
CD Term 48-59 Month Certificate of Deposit |
APY* 0.20% |
CD Term 60-71 Month Certificate of Deposit |
APY* 0.30% |
CD Term 72-83 Month Certificate of Deposit |
APY* 0.35% |
CD Term 84-95 Month Certificate of Deposit |
APY* 0.40% |
CD Term 96-107 Month Certificate of Deposit |
APY* 0.40% |
CD Term 108-120 Month Certificate of Deposit |
APY* 0.40% |
CD Term 121-144 Month Certificate of Deposit |
APY* 0.80% |
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Annual Percentage Yield (APY). 0.25% APY 13-month CD is accurate as of 5/27/2022. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. $500 minimum opening deposit required. Maximum deposit is $10 million. Funds currently deposited in accounts at Flagstar Bank are not eligible for the promotional interest rate. Additional deposits not allowed during CD term. At the time of renewal, account will move to a 12-month CD at the current posted rate. Not available for public units. Certain restrictions may apply. Offer subject to change or cancellation at any time without notice. Cannot be combined with any other CD offer. Please contact your local Flagstar branch for more information. Personal accounts only. Must present offer at account opening. Limited time offer. Area restrictions may apply.
Please see the Complete Disclosure Guide for additional details.
Annual Percentage Yield (APY). 0.25% APY 13-month CD is accurate as of 5/27/2022. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. $500 minimum opening deposit required. Maximum deposit is $10 million. Funds currently deposited in accounts at Flagstar Bank are not eligible for the promotional interest rate. Additional deposits not allowed during CD term. At the time of renewal, account will move to a 12-month CD at the current posted rate. Not available for public units. Certain restrictions may apply. Offer subject to change or cancellation at any time without notice. Cannot be combined with any other CD offer. Please contact your local Flagstar branch for more information. Personal accounts only. Must present offer at account opening. Limited time offer. Area restrictions may apply.
Please see the Complete Disclosure Guide for additional details.
Annual Percentage Yield (APY). 0.25% APY 13-month CD is accurate as of 5/27/2022. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. $500 minimum opening deposit required. Maximum deposit is $10 million. Funds currently deposited in accounts at Flagstar Bank are not eligible for the promotional interest rate. Additional deposits not allowed during CD term. At the time of renewal, account will move to a 12-month CD at the current posted rate. Not available for public units. Certain restrictions may apply. Offer subject to change or cancellation at any time without notice. Cannot be combined with any other CD offer. Please contact your local Flagstar branch for more information. Personal accounts only. Must present offer at account opening. Limited time offer. Area restrictions may apply.
Please see the Complete Disclosure Guide for additional details.
Annual Percentage Yield (APY). ${product.apy}% APY 13-month CD is accurate as of ${product.lastModified}. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. $500 minimum opening deposit required. Maximum deposit is $10 million. Funds currently deposited in accounts at Flagstar Bank are not eligible for the promotional interest rate. Additional deposits not allowed during CD term. At the time of renewal, account will move to a 12-month CD at the current posted rate. Not available for public units. Certain restrictions may apply. Offer subject to change or cancellation at any time without notice. Cannot be combined with any other CD offer. Please contact your local Flagstar branch for more information. Personal accounts only. Must present offer at account opening. Limited time offer. Area restrictions may apply.
Please see the Complete Disclosure Guide for additional details.
1Excludes promotional rates.