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Emergency Fund Calculator

How prepared should you be for the unknown? Calculate what it will take to stay financially stable during an emergency.

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In today’s world, unexpected events or expenses can threaten your financial stability. Putting money into an emergency fund is not only a responsible financial practice, but also will prepare you for the unknown. Discover how much you should be saving by entering your emergency needs and current savings into our emergency fund calculator. From there, you can put together a plan to build your emergency funds. 

Interested in current CD rates or a high-interest savings account?

MULTIPLE OPTIONS

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Earn up to 4.00% APY1 with a Certificate of Deposit (CD)

Enjoy guaranteed growth when you open a CD account.

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STAY FLEXIBLE

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Earn up to 3.75% APY2 with a Savings Account

Grow your money with a great savings rate.

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What is a certificate of deposit (CD) account?

Offering higher interest rates, CD accounts can help grow your savings faster than most traditional savings accounts.
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CD vs. High-Yield Savings: Choose the right account for your goals

Ready to upgrade your savings account? Let’s compare options available to help you earn more interest on your savings.
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Retirement Accounts

Start here to plan the future you desire for yourself and your family. Tap into our expertise to discover low-cost, high-quality financial solutions that bring clarity and precision to the path ahead.

1Annual Percentage Yield (APY). 4.00% APY is accurate as of 9/2/2026 and available as an 8-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.

3.75% APY Flagstar Ready Savings – Promotional Rate Disclosure

2Annual Percentage Yield (APY) is accurate as of 9/2/2026. A promotional annual percentage yield of 3.75% is available on balances greater than or equal to $10,000 for the first 180 days after account opening. Balances at or below $9,999.99 do not qualify for this promotional rate and are subject to the current non-promotional interest rate applicable to this account type. At the end of the 180-day promotional period, the interest rate and APY will revert to the then-posted non-promotional rate(s) applicable to this account type. The interest rate(s) and annual percentage yield(s) are variable and may change at any time before or after the account is opened. To qualify, you must be a new personal savings client of Flagstar Bank and open a Flagstar Ready Savings account. You must make an initial minimum opening deposit of at least $1.00. To qualify for the promotional rate, you must deposit additional funds, to maintain a balance greater than or equal to $10,000 is required and must be "new money," which is defined as money that is not currently on deposit in any Flagstar Bank account; money moved from any Flagstar Bank affiliate or subsidiary account or funded from a Flagstar/affiliate loan or line of credit does not qualify. For purposes of this offer, funds from maturing certificate of deposit accounts held at Flagstar Bank will be considered eligible. The account must remain open for the full 180-day promotional period.

 

This offer is limited to one promotion per household. If any signer on this account has previously received a savings promotion from Flagstar Bank, you are ineligible for this offer. This offer cannot be combined with any other offers or promotions. An early account closure fee may be imposed for accounts closed within 180 days. Offer subject to change or cancellation at any time without notice. Receiving this offer does not guarantee eligibility. All account applications are subject to our normal approval process. Personal accounts only. Area restrictions may apply.