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Personal View Rates

View Rates

Compare annual percentage yield (APY) for certificate of deposits, savings, checking, and money market accounts below.

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Use left and right arrows to navigate between tabs.
  • Certificates of Deposit
  • Savings
  • Checking
  • Money Market

Certificate of Deposit APY

A certificate of deposit (CD) has a fixed interest rate and a maturity date. Unlike a typical savings account where you can deposit and withdraw as you wish, a CD requires you to leave your money in the account for a set length of time. View our certificate of deposit interest rates and terms below.

 

 

Learn More
Certificate of Deposit Term APY*
CD Term
13 Month Certificate of Deposit
APY*
4.00%
CD Term
30-89 Day Certificate of Deposit
APY*
1.49%
CD Term
90-179 Day Certificate of Deposit
APY*
1.99%
CD Term
180-364 Day Certificate of Deposit
APY*
2.50%
CD Term
12-17 Month Certificate of Deposit
APY*
3.00%
CD Term
18-23 Month Certificate of Deposit
APY*
3.00%
CD Term
24-29 Month Certificate of Deposit
APY*
2.75%
CD Term
30-35 Month Certificate of Deposit
APY*
2.50%
CD Term
36-47 Month Certificate of Deposit
APY*
2.25%
CD Term
48-59 Month Certificate of Deposit
APY*
2.25%
CD Term
60-71 Month Certificate of Deposit
APY*
2.25%
CD Term
72-83 Month Certificate of Deposit
APY*
2.25%
CD Term
84-95 Month Certificate of Deposit
APY*
2.00%
CD Term
96-107 Month Certificate of Deposit
APY*
2.00%
CD Term
108-120 Month Certificate of Deposit
APY*
2.00%
Learn More

Savings Account APY

Interest rates may vary by the type of Flagstar Bank savings account and its current balance. View our savings account interest rates below and our various savings calculators here.

SimplySavings
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999,999,999.99
Interest Rate
0.10%
APY
0.10%
Learn More
High Yield Savings
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $49,999.99
Interest Rate
0.10%
APY
0.10%
Balance Tier
$50,000 - $99,999.99
Interest Rate
1.19%
APY
1.20%
Balance Tier
$100,000 - $249,999.99
Interest Rate
1.34%
APY
1.35%
Balance Tier
$250,000 - $499,999.99
Interest Rate
1.39%
APY
1.40%
Balance Tier
$500,000 - $999,999.99
Interest Rate
1.59%
APY
1.60%
Balance Tier
$1,000,000 - $999,999,999.99
Interest Rate
1.64%
APY
1.65%
Learn More
Foundation Savings Plus
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $9,999.99
Interest Rate
0.10%
APY
0.10%
Balance Tier
$10,000 - $24,999.99
Interest Rate
0.75%
APY
0.75%
Balance Tier
$25,000 - $49,999.99
Interest Rate
1.00%
APY
1.00%
Balance Tier
$50,000 - $99,999.99
Interest Rate
1.00%
APY
1.00%
Balance Tier
$100,000 - $499,999.99
Interest Rate
1.98%
APY
2.00%
Balance Tier
$500,000 - $999,999,999.99
Interest Rate
1.98%
APY
2.00%
Learn More

Checking Account APY

Interest rates vary by the type of Flagstar Bank checking account and its current balance. View our checking account interest rates below.

SimplyOne
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999,999,999.99
Interest Rate
0.00%
APY
0.00%
Learn More
SimplyChecking
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999,999,999.99
Interest Rate
0.00%
APY
0.00%
Learn More
SimplyPlus Checking
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$1,000 - $9,999.99
Interest Rate
0.02%
APY
0.02%
Balance Tier
$10,000 - $24,999.99
Interest Rate
0.02%
APY
0.02%
Balance Tier
$25,000 - $999,999,999.99
Interest Rate
0.02%
APY
0.02%
Learn More
SimplyMax Checking
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $4,999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$5,000 - $24,999.99
Interest Rate
0.03%
APY
0.03%
Balance Tier
$25,000 - $49,999.99
Interest Rate
0.04%
APY
0.04%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.04%
APY
0.04%
Balance Tier
$100,000 - $999,999.99
Interest Rate
0.10%
APY
0.10%
Balance Tier
$1,000,000 - $999,999,999.99
Interest Rate
0.25%
APY
0.25%
Learn More

Money Market APY

Money Market Accounts offer competitive, tiered interest rates with check access. View our money market interest rates below.

SimplyMoneyMarket
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $4,999.99
Interest Rate
0.10%
APY
0.10%
Balance Tier
$5,000 - $9,999.99
Interest Rate
0.15%
APY
0.15%
Balance Tier
$10,000 - $24,999.99
Interest Rate
0.15%
APY
0.15%
Balance Tier
$25,000 - $49,999.99
Interest Rate
0.15%
APY
0.15%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.50%
APY
0.50%
Balance Tier
$100,000 - $999,999,999.99
Interest Rate
0.50%
APY
0.50%
Learn More
Use left and right arrows to navigate between tabs.
  • Certificates of Deposit
  • Savings
  • Checking
  • Money Market

Certificate of Deposit APY

A certificate of deposit (CD) has a fixed interest rate and a maturity date. Unlike a typical savings account where you can deposit and withdraw as you wish, a CD requires you to leave your money in the account for a set length of time. View our certificate of deposit interest rates and terms below.

Learn More
Certificate of Deposit Term APY*
CD Term
13 Month Certificate of Deposit
APY*
4.00%
CD Term
30-89 Day Certificate of Deposit
APY*
1.49%
CD Term
90-179 Day Certificate of Deposit
APY*
1.99%
CD Term
180-364 Day Certificate of Deposit
APY*
2.50%
CD Term
12-17 Month Certificate of Deposit
APY*
3.00%
CD Term
18-23 Month Certificate of Deposit
APY*
3.00%
CD Term
24-29 Month Certificate of Deposit
APY*
2.75%
CD Term
30-35 Month Certificate of Deposit
APY*
2.50%
CD Term
36-47 Month Certificate of Deposit
APY*
2.25%
CD Term
48-59 Month Certificate of Deposit
APY*
2.25%
CD Term
60-71 Month Certificate of Deposit
APY*
2.25%
CD Term
72-83 Month Certificate of Deposit
APY*
2.25%
CD Term
84-95 Month Certificate of Deposit
APY*
2.00%
CD Term
96-107 Month Certificate of Deposit
APY*
2.00%
CD Term
108-120 Month Certificate of Deposit
APY*
2.00%
Learn More

Savings Account APY

Interest rates may vary by the type of Flagstar Bank savings account and its current balance. View our savings account interest rates below and our various savings calculators here.

SimplySavings
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999,999,999.99
Interest Rate
0.10%
APY
0.10%
Learn More
Foundation Savings Plus
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $9,999.99
Interest Rate
0.10%
APY
0.10%
Balance Tier
$10,000 - $24,999.99
Interest Rate
0.75%
APY
0.75%
Balance Tier
$25,000 - $49,999.99
Interest Rate
1.00%
APY
1.00%
Balance Tier
$50,000 - $99,999.99
Interest Rate
1.00%
APY
1.00%
Balance Tier
$100,000 - $499,999.99
Interest Rate
1.98%
APY
2.00%
Balance Tier
$500,000 - $999,999,999.99
Interest Rate
1.98%
APY
2.00%
Learn More
High Yield Savings
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $49,999.99
Interest Rate
0.10%
APY
0.10%
Balance Tier
$50,000 - $99,999.99
Interest Rate
1.19%
APY
1.20%
Balance Tier
$100,000 - $249,999.99
Interest Rate
1.34%
APY
1.35%
Balance Tier
$250,000 - $499,999.99
Interest Rate
1.39%
APY
1.40%
Balance Tier
$500,000 - $999,999.99
Interest Rate
1.59%
APY
1.60%
Balance Tier
$1,000,000 - $999,999,999.99
Interest Rate
1.64%
APY
1.65%
Learn More

Checking Account APY

Interest rates vary by the type of Flagstar Bank checking account and its current balance. View our checking account interest rates below.

SimplyOne
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999,999,999.99
Interest Rate
0.00%
APY
0.00%
Learn More
SimplyChecking
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999,999,999.99
Interest Rate
0.00%
APY
0.00%
Learn More
SimplyPlus Checking
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$1,000 - $9,999.99
Interest Rate
0.02%
APY
0.02%
Balance Tier
$10,000 - $24,999.99
Interest Rate
0.02%
APY
0.02%
Balance Tier
$25,000 - $999,999,999.99
Interest Rate
0.02%
APY
0.02%
Learn More
SimplyMax Checking
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $4,999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$5,000 - $24,999.99
Interest Rate
0.03%
APY
0.03%
Balance Tier
$25,000 - $49,999.99
Interest Rate
0.04%
APY
0.04%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.04%
APY
0.04%
Balance Tier
$100,000 - $999,999.99
Interest Rate
0.10%
APY
0.10%
Balance Tier
$1,000,000 - $999,999,999.99
Interest Rate
0.25%
APY
0.25%
Learn More

Money Market APY

Money Market Accounts offer competitive, tiered interest rates with check access. View our money market interest rates below.

SimplyMoneyMarket
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $4,999.99
Interest Rate
0.10%
APY
0.10%
Balance Tier
$5,000 - $9,999.99
Interest Rate
0.15%
APY
0.15%
Balance Tier
$10,000 - $24,999.99
Interest Rate
0.15%
APY
0.15%
Balance Tier
$25,000 - $49,999.99
Interest Rate
0.15%
APY
0.15%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.50%
APY
0.50%
Balance Tier
$100,000 - $999,999,999.99
Interest Rate
0.50%
APY
0.50%
Learn More
Use left and right arrows to navigate between tabs.
  • Certificates of Deposit
  • Savings
  • Checking
  • Money Market

Certificate of Deposit APY

A certificate of deposit (CD) has a fixed interest rate and a maturity date. Unlike a typical savings account where you can deposit and withdraw as you wish, a CD requires you to leave your money in the account for a set length of time. View our certificate of deposit interest rates and terms below.

Learn More
Certificate of Deposit Term APY*
CD Term
13 Month Certificate of Deposit
APY*
4.00%
CD Term
7-29 Day Certificate of Deposit
APY*
0.25%
CD Term
30-89 Day Certificate of Deposit
APY*
0.25%
CD Term
90-179 Day Certificate of Deposit
APY*
0.75%
CD Term
180-364 Day Certificate of Deposit
APY*
1.50%
CD Term
12-17 Month Certificate of Deposit
APY*
2.50%
CD Term
24-29 Month Certificate of Deposit
APY*
2.50%
CD Term
36-47 Month Certificate of Deposit
APY*
2.00%
CD Term
48-59 Month Certificate of Deposit
APY*
2.00%
CD Term
60-71 Month Certificate of Deposit
APY*
2.00%
CD Term
72-83 Month Certificate of Deposit
APY*
2.00%
CD Term
84-95 Month Certificate of Deposit
APY*
2.00%
CD Term
96-107 Month Certificate of Deposit
APY*
2.00%
CD Term
108-120 Month Certificate of Deposit
APY*
2.00%
CD Term
121-144 Month Certificate of Deposit
APY*
2.00%
Learn More

Savings Account APY

Interest rates may vary by the type of Flagstar Bank savings account and its current balance. View our savings account interest rates below and our various savings calculators here.

SimplySavings
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999,999,999.99
Interest Rate
0.02%
APY
0.02%
Learn More
High Yield Savings
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $49,999.99
Interest Rate
0.05%
APY
0.05%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.30%
APY
0.30%
Balance Tier
$100,000 - $249,999.99
Interest Rate
0.40%
APY
0.40%
Balance Tier
$250,000 - $499,999.99
Interest Rate
0.50%
APY
0.50%
Balance Tier
$500,000 - $999,999.99
Interest Rate
0.60%
APY
0.60%
Balance Tier
$1,000,000 - $999,999,999.99
Interest Rate
0.75%
APY
0.75%
Learn More
Foundation Savings Plus
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $9,999.99
Interest Rate
0.05%
APY
0.05%
Balance Tier
$10,000 - $24,999.99
Interest Rate
0.25%
APY
0.25%
Balance Tier
$25,000 - $49,999.99
Interest Rate
0.30%
APY
0.30%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.30%
APY
0.30%
Balance Tier
$100,000 - $499,999.99
Interest Rate
0.40%
APY
0.40%
Balance Tier
$500,000 - $999,999,999.99
Interest Rate
0.40%
APY
0.40%
Learn More

Checking Account APY

Interest rates vary by the type of Flagstar Bank checking account and its current balance. View our checking account interest rates below.

SimplySelect Checking
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$1,000 - $9,999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$10,000 - $24,999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$25,000 - $999,999,999.99
Interest Rate
0.01%
APY
0.01%
Learn More
SimplyOne
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999,999,999.99
Interest Rate
0.00%
APY
0.00%
Learn More
SimplyMax Checking
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $4,999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$5,000 - $24,999.99
Interest Rate
0.02%
APY
0.02%
Balance Tier
$25,000 - $49,999.99
Interest Rate
0.02%
APY
0.02%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.02%
APY
0.02%
Balance Tier
$100,000 - $999,999.99
Interest Rate
0.02%
APY
0.02%
Balance Tier
$1,000,000 - $999,999,999.99
Interest Rate
0.05%
APY
0.05%
Learn More
SimplyAccess Checking
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999,999,999.99
Interest Rate
0.00%
APY
0.00%
Learn More

Money Market APY

Money Market Accounts offer competitive, tiered interest rates with check access. View our money market interest rates below.

SimplyMoneyMarket
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $4,999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$5,000 - $24,999.99
Interest Rate
0.04%
APY
0.04%
Balance Tier
$25,000 - $49,999.99
Interest Rate
0.04%
APY
0.04%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.04%
APY
0.04%
Balance Tier
$100,000 - $999,999.99
Interest Rate
0.50%
APY
0.50%
Balance Tier
$1,000,000 - $999,999,999.99
Interest Rate
0.50%
APY
0.50%
Learn More
Use left and right arrows to navigate between tabs.
  • Certificates of Deposit
  • Savings
  • Checking
  • Money Market

Certificate of Deposit APY

A certificate of deposit (CD) has a fixed interest rate and a maturity date. Unlike a typical savings account where you can deposit and withdraw as you wish, a CD requires you to leave your money in the account for a set length of time. View our certificate of deposit interest rates and terms below.

Learn More
Certificate of Deposit Term APY*
CD Term
13 Month Certificate of Deposit
APY*
4.00%
CD Term
7-29 Day Certificate of Deposit
APY*
0.25%
CD Term
30-89 Day Certificate of Deposit
APY*
0.25%
CD Term
90-179 Day Certificate of Deposit
APY*
0.75%
CD Term
180-364 Day Certificate of Deposit
APY*
1.50%
CD Term
18-23 Month Certificate of Deposit
APY*
2.50%
CD Term
24-29 Month Certificate of Deposit
APY*
2.50%
CD Term
30-35 Month Certificate of Deposit
APY*
2.00%
CD Term
36-47 Month Certificate of Deposit
APY*
2.00%
CD Term
48-59 Month Certificate of Deposit
APY*
2.00%
CD Term
60-71 Month Certificate of Deposit
APY*
2.00%
CD Term
72-83 Month Certificate of Deposit
APY*
2.00%
CD Term
84-95 Month Certificate of Deposit
APY*
2.00%
CD Term
96-107 Month Certificate of Deposit
APY*
2.00%
CD Term
108-120 Month Certificate of Deposit
APY*
2.00%
CD Term
121-144 Month Certificate of Deposit
APY*
0.80%
Learn More

Savings Account APY

Interest rates may vary by the type of Flagstar Bank savings account and its current balance. View our savings account interest rates below and our various savings calculators here.

High Yield Savings
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $49,999.99
Interest Rate
0.05%
APY
0.05%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.30%
APY
0.30%
Balance Tier
$100,000 - $249,999.99
Interest Rate
0.40%
APY
0.40%
Balance Tier
$250,000 - $499,999.99
Interest Rate
0.50%
APY
0.50%
Balance Tier
$500,000 - $999,999.99
Interest Rate
0.60%
APY
0.60%
Balance Tier
$1,000,000 - $999,999,999.99
Interest Rate
0.75%
APY
0.75%
Learn More
SimplySavings
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999,999,999.99
Interest Rate
0.02%
APY
0.02%
Learn More
Foundation Savings Plus
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $9,999.99
Interest Rate
0.05%
APY
0.05%
Balance Tier
$10,000 - $24,999.99
Interest Rate
0.25%
APY
0.25%
Balance Tier
$25,000 - $49,999.99
Interest Rate
0.30%
APY
0.30%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.30%
APY
0.30%
Balance Tier
$100,000 - $499,999.99
Interest Rate
0.40%
APY
0.40%
Balance Tier
$500,000 - $999,999,999.99
Interest Rate
0.40%
APY
0.40%
Learn More

Checking Account APY

Interest rates vary by the type of Flagstar Bank checking account and its current balance. View our checking account interest rates below.

SimplyAccess Checking
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Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999,999,999.99
Interest Rate
0.00%
APY
0.00%
Learn More
SimplySelect Checking
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$1,000 - $9,999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$10,000 - $24,999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$25,000 - $999,999,999.99
Interest Rate
0.01%
APY
0.01%
Learn More
SimplyOne
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Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999,999,999.99
Interest Rate
0.00%
APY
0.00%
Learn More
SimplyMax Checking
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Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $4,999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$5,000 - $24,999.99
Interest Rate
0.02%
APY
0.02%
Balance Tier
$25,000 - $49,999.99
Interest Rate
0.02%
APY
0.02%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.02%
APY
0.02%
Balance Tier
$100,000 - $999,999.99
Interest Rate
0.02%
APY
0.02%
Balance Tier
$1,000,000 - $999,999,999.99
Interest Rate
0.02%
APY
0.02%
Learn More

Money Market APY

Money Market Accounts offer competitive, tiered interest rates with check access. View our money market interest rates below.

SimplyMoneyMarket
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $4,999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$5,000 - $24,999.99
Interest Rate
0.04%
APY
0.04%
Balance Tier
$25,000 - $49,999.99
Interest Rate
0.04%
APY
0.04%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.04%
APY
0.04%
Balance Tier
$100,000 - $999,999.99
Interest Rate
0.04%
APY
0.04%
Balance Tier
$1,000,000 - $999,999,999.99
Interest Rate
0.20%
APY
0.20%
Learn More
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  • Certificates of Deposit
  • Savings
  • Checking
  • Money Market

Certificate of Deposit APY

A certificate of deposit (CD) has a fixed interest rate and a maturity date. Unlike a typical savings account where you can deposit and withdraw as you wish, a CD requires you to leave your money in the account for a set length of time. View our certificate of deposit interest rates and terms below.

Learn More
Certificate of Deposit Term APY*
CD Term
6 Month Internet Certificate of Deposit
APY*
0.05%
CD Term
12 Month Internet Certificate of Deposit
APY*
0.10%
CD Term
18 Month Internet Certificate of Deposit
APY*
0.10%
CD Term
24 Month Internet Certificate of Deposit
APY*
0.10%
CD Term
30 Month Internet Certificate of Deposit
APY*
0.10%
CD Term
36 Month Internet Certificate of Deposit
APY*
0.10%
CD Term
48 Month Internet Certificate of Deposit
APY*
0.10%
CD Term
60 Month Internet Certificate of Deposit
APY*
0.10%
Learn More

Savings Account APY

Interest rates may vary by the type of Flagstar Bank savings account and its current balance. View our savings account interest rates below and our various savings calculators here.

Express Savings
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $24,999.99
Interest Rate
0.05%
APY
0.05%
Balance Tier
$25,000 - $99,999.99
Interest Rate
0.05%
APY
0.05%
Balance Tier
$100,000 - $999,999,999.99
Interest Rate
0.05%
APY
0.05%
Learn More
SimplySavings
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999,999,999.99
Interest Rate
0.10%
APY
0.10%
Learn More
SimplyMax Savings
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $4,999.99
Interest Rate
0.10%
APY
0.10%
Balance Tier
$5,000 - $24,999.99
Interest Rate
0.10%
APY
0.10%
Balance Tier
$25,000 - $49,999.99
Interest Rate
0.15%
APY
0.15%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.15%
APY
0.15%
Balance Tier
$100,000 - $999,999.99
Interest Rate
1.98%
APY
2.00%
Balance Tier
$1,000,000 - $999,999,999.99
Interest Rate
1.98%
APY
2.00%
Learn More

Checking Account APY

Interest rates vary by the type of Flagstar Bank checking account and its current balance. View our checking account interest rates below.

SimplyChecking
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999,999,999.99
Interest Rate
0.00%
APY
0.00%
Learn More
SimplyPlus Checking
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$1,000 - $9,999.99
Interest Rate
0.02%
APY
0.02%
Balance Tier
$10,000 - $24,999.99
Interest Rate
0.02%
APY
0.02%
Balance Tier
$25,000 - $999,999,999.99
Interest Rate
0.02%
APY
0.02%
Learn More
SimplyMax Checking
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $4,999.99
Interest Rate
0.01%
APY
0.01%
Balance Tier
$5,000 - $24,999.99
Interest Rate
0.03%
APY
0.03%
Balance Tier
$25,000 - $49,999.99
Interest Rate
0.04%
APY
0.04%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.04%
APY
0.04%
Balance Tier
$100,000 - $999,999.99
Interest Rate
0.10%
APY
0.10%
Balance Tier
$1,000,000 - $999,999,999.99
Interest Rate
0.25%
APY
0.25%
Learn More
Express Checking
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $24,999.99
Interest Rate
0.05%
APY
0.05%
Balance Tier
$25,000 - $99,999.99
Interest Rate
0.05%
APY
0.05%
Balance Tier
$100,000 - $999,999,999.99
Interest Rate
0.05%
APY
0.05%
Learn More

Money Market APY

Money Market Accounts offer competitive, tiered interest rates with check access. View our money market interest rates below.

SimplyMoneyMarket
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $4,999.99
Interest Rate
0.10%
APY
0.10%
Balance Tier
$5,000 - $9,999.99
Interest Rate
0.15%
APY
0.15%
Balance Tier
$10,000 - $24,999.99
Interest Rate
0.15%
APY
0.15%
Balance Tier
$25,000 - $49,999.99
Interest Rate
0.15%
APY
0.15%
Balance Tier
$50,000 - $99,999.99
Interest Rate
0.50%
APY
0.50%
Balance Tier
$100,000 - $999,999,999.99
Interest Rate
0.50%
APY
0.50%
Learn More
Direct Express Money Market
Learn More
Balance Tier Interest Rate Annual Percentage Yield (APY)
Balance Tier
$0 - $24,999.99
Interest Rate
0.05%
APY
0.05%
Balance Tier
$25,000 - $99,999.99
Interest Rate
0.05%
APY
0.05%
Balance Tier
$100,000 - $999,999,999.99
Interest Rate
0.05%
APY
0.05%
Learn More

Interest rates and annual percentage yields effective as of 3/23/2023. Interest rates and annual percentage yields may change after you open your account. Please see Disclosures for additional details.

 

Annual Percentage Yield (APY). 4.00% APY 13-month CD is accurate as of 3/23/2023. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. $500 minimum opening deposit required. Maximum online opening deposit is $110,000. Please visit your local branch to open an account greater than $110,000. 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. Limited time offer. Area restrictions may apply.

 

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