Savings Accounts
Have a savings goal in mind? Our products are designed to work with you right where you are in life. Open the savings account that's best for you.
Find the right savings account for your needs.
Getting started is easy with the perfect savings account for every person and preference. Not quite sure what you need yet? Come in and talk with one of our bankers to open a savings account tailored just for you. If you wish to explore further savings options, take a look at our collection of Savings Calculators.
If you usually keep less than $10,000 in your savings account, this is the account for you.
If you have $10,000 or more, this account provides a solid foundation to build your savings.
If you have $10,000 or more, this account provides a solid foundation to build your savings.
If you can maintain a balance of $50,000 or more, High-Yield Savings offers formidable interest rates.
This is the one to choose if you'd like to teach your child the value of money, as well as the importance of saving for the future.
If you have or had a High Deductible Health Plan (HDPH), you can save for healthcare costs with this tax advantaged solution.
All savings accounts come with:
Open a savings account today
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We reserve the right to change account benefits at any time without notice. Certain restrictions may apply. Please see the complete Disclosure Guide for additional details.
1Annual Percentage Yield (APY). Tier 1 $0 - $9,999.99, with an annual percentage yield of 0.01%. Tiers 2 - 6 $10,000.00 - $500,000.00+, with an annual percentage yield of 0.15% APY is accurate as of January 11, 2021 on Foundation Savings Plus accounts. The interest rate(s) and annual percentage yield(s) may change at any time after the account is opened. Funds currently deposited in accounts at Flagstar Bank are not eligible for the promotional interest rate. A maintenance service charge of $15 will be imposed every month if the average daily collected balance in the account falls below $10,000. This charge may be waived if the account is linked to any Flagstar Bank personal checking account. Not available for business or public units. No minimum opening deposit required; however, there must be a new money deposit of $10,000 to qualify for the 0.15% APY. This offer cannot be combined with any other bonus or promotional offers. Fees could reduce earnings. Personal accounts only. Area restrictions may apply.
2Not all devices supported. Available for eligible personal and business checking and savings account customers only. CD customers may view their balance and account activity only. Must be an active personal online banking user. Must be a customer for a minimum of two business days. Accounts must be in good standing.
3Currency conversion fee may apply to transactions outside the U.S.
4This debit card is issued by Flagstar Bank pursuant to a license from Visa U.S.A. Inc
1Annual Percentage Yield (APY). Tier 1 $0 - $9,999.99, with an annual percentage yield of 0.01%. Tiers 2 - 6 $10,000.00 - $500,000.00+, with an annual percentage yield of 0.15% APY is accurate as of December 14, 2020 on Foundation Savings Plus accounts. The interest rate(s) and annual percentage yield(s) may change at any time after the account is opened. Funds currently deposited in accounts at Flagstar Bank are not eligible for the promotional interest rate. A maintenance service charge of $15 will be imposed every month if the average daily collected balance in the account falls below $10,000. This charge may be waived if the account is linked to any Flagstar Bank personal checking account. Not available for business or public units. No minimum opening deposit required; however, there must be a new money deposit of $10,000 to qualify for the 0.15% APY. This offer cannot be combined with any other bonus or promotional offers. Fees could reduce earnings. Personal accounts only. Area restrictions may apply.
2Not all devices supported. Available for eligible personal and business checking and savings account customers only. CD customers may view their balance and account activity only. Must be an active personal online banking user. Must be a customer for a minimum of two business days. Accounts must be in good standing.
3Currency conversion fee may apply to transactions outside the U.S.
4This debit card is issued by Flagstar Bank pursuant to a license from Visa U.S.A. Inc