# Flagstar Bank CD rates

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%).

Canonical page: https://apyledger.com/cd-rates/flagstar-bank
Institution: Flagstar Bank, National Association (FDIC 32541)
Aliases: Flagstar
Status: live
Last verified: 2026-10-22T05:12:02.000Z (October 22, 2026)
Official source: https://www.flagstar.com/personal/bank/savings/certificate-of-deposit-accounts.html
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6-Month CD | promotional | 6 months | $2,500 | 4.10% | Not ZIP-priced | −0.30% | 2026-10-22T05:12:02.000Z | [Snapshot 141](https://apyledger.com/snapshots/141) |
| 12-Month CD | promotional | 12 months | $500 | 4.30% | Not ZIP-priced | −0.27% | 2026-10-22T05:12:02.000Z | [Snapshot 141](https://apyledger.com/snapshots/141) |
| 18-Month CD | promotional | 18 months | $500 | 4.25% | Not ZIP-priced | −0.47% | 2026-10-22T05:12:02.000Z | [Snapshot 141](https://apyledger.com/snapshots/141) |
| 24-Month CD | promotional | 24 months | $500 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-22T05:12:02.000Z | [Snapshot 141](https://apyledger.com/snapshots/141) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.