Flagstar Bank CD Rates — October 2026

Also known as Flagstar.

As of October 22, 2026, Flagstar Bank's highest CD rate is 4.30% APY on a 12-month promotional CD ($500 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%).

Last verified October 22, 2026 from www.flagstar.com · FDIC-insured bank · Hicksville, NY

Tracking began October 22, 2026.

Best APY4.30%12 months, $500 min

vs. Treasury−0.27%same-term Treasury 4.57%

vs. national average2.4×FDIC national average 1.76%

After inflation0.56%CPI 3.7% year over year

$10,000 earns$430over 12 months, before tax

Flagstar Bank CD rates

Flagstar shows its promotional CD rates online; standard rates may differ by location.

Flagstar Bank CD rates
Term	Product	Minimum	APY	vs. Treasury
6 months	6-Month CD Promotional	$2,500	4.10%Verified October 22, 2026	−0.30%
12 months	12-Month CD Promotional	$500	4.30%Verified October 22, 2026	−0.27%
18 months	18-Month CD Promotional	$500	4.25%Verified October 22, 2026	−0.47%
24 months	24-Month CD Promotional	$500	4.25%Verified October 22, 2026	−0.62%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are Flagstar Bank's best CD rates by term?

Flagstar Bank's best rate is 4.30% APY on 12 months, verified October 22, 2026.

6 mo4.10%
12 mo4.30%
18 mo4.25%
24 mo4.25%

Calculate earnings at 4.30% for 12 months

How Flagstar Bank compares

Best 1-year rate among the institutions we track: Popular Direct at 4.60% APY.
Popular Direct: best 5.00% APY on 60 months.
Barclays: best 4.75% APY on 24 months.
Sallie Mae Bank: best 4.75% APY on 60 months.
1-year Treasury: 4.57% APY-equivalent.

Rate changes

No changes since we started tracking Flagstar Bank on October 22, 2026.

About Flagstar Bank

Legal name: Flagstar Bank, National Association
Regulator ID: FDIC 32541
Headquarters: Hicksville, NY
Available in: AZ, CA, FL, IN, MI, NC, NJ, NY, OH, WI
Total assets: $87.7 billion
Also known as: Flagstar
Website: www.flagstar.com

Source: rates read from https://www.flagstar.com/personal/bank/savings/certificate-of-deposit-accounts.html. See the page text we read.

Frequently asked questions

What is the highest CD rate at Flagstar Bank?

4.30% APY on a 12-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a Flagstar Bank CD?

The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $2,500.

How does Flagstar Bank's best CD rate compare with Treasury yields?

4.30% APY is −0.27% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.30% a good CD rate?

It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Flagstar Bank CDs insured?

Flagstar Bank is an FDIC-insured bank (FDIC 32541). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check Flagstar Bank's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from Flagstar Bank's website and may change at any time. Confirm terms, minimums and eligibility with Flagstar Bank before opening an account. This page is not financial advice.