Source: https://www.flagstar.com/personal/bank/savings/certificate-of-deposit-accounts.html
Read: 2026-10-22T05:12:02.000Z

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Certificates of Deposit (CD)
CERTIFICATES OF DEPOSIT (CD)
Open a CD account and earn up to 4.30% APY1
Lock-in a competitive rate with Flagstar certificate of deposit (CD) accounts. Our CDs offer fixed rates, FDIC-insured savings, and terms designed to help you grow your money with confidence. Which one of our CD rates is right for you?
Rates
Calculate savings
Benefits
FAQs
Renew
SHORT-TERM GROWTH
6-MONTH CD
4.10% APY2
Grow your savings fast with a great rate and a short term.
Open a 6-month CD →
Minimum to open: $2,500
TOP RATE
12-MONTH CD
4.30% APY1
A one-year term that balances great returns and flexibility.
Open a 12-month CD →
Minimum to open: $500
BALANCED GROWTH
18-MONTH CD
4.25% APY3
A longer term, strong earnings, and a rate worth holding.
Open an 18-month CD →
Minimum to open: $500
LONG-TERM SECURITY
24-MONTH CD
4.25% APY4
Two years of guaranteed returns, no matter where rates go.
Open a 24-month CD →
Minimum to open: $500
Started an application? Finish application.
See how much you can earn with a
Flagstar CD
Just select a term, move the slider, and we'll show you what your savings could look like.
$2,150
ESTIMATED INTEREST EARNED
Estimated value after 12 months
$52,150
Select term
6-month CD — 4.10% APY
12-month CD — 4.30% APY
18-month CD — 4.25% APY
24-month CD — 4.25% APY
Deposit amount
$50,000
$500
$200,000
This example is for illustrative purposes only. Estimated earnings are based on a 4.30% APY over 12 months. Actual earnings may vary depending on account terms, funding timing, and withdrawals, if applicable.
What are the key benefits of a CD bank account?
Earn more with your savings
CD accounts typically earn more interest than traditional savings accounts.
Guaranteed returns
Your rate is locked in for the entire term, so you know exactly what you'll earn from day one.
Your money is safe
Your CD is FDIC insured up to $250,000 per depositor5
No monthly fees
Keep more of your earnings with no fees when you hold your CD to maturity.
FAQs for certificates of deposit 
What is a certificate of deposit (CD)?
How do CDs work?
Are CDs FDIC insured?
Is the interest on CDs taxable?
Can I make additional deposits to my CD during the term?
What is APY?
What is the penalty for early withdrawal from a CD?
How do I renew my CD?
What is a CD ladder?
Do you need to renew an existing CD?
Certificates of Deposit are eligible for renewal during the grace period or during the post maturity period within Online Banking.
Log In and renew
Related to Certificates of Deposit
Earn 4.00% APY6 for 6 months
Get more from your savings with a new Flagstar Ready Savings account.
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.
Certificate of Deposit Calculator
How much could your savings grow in a CD account?
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.
Interest rates are tiered to a maximum amount.
1Annual Percentage Yield (APY). 4.30% APY is accurate as of 10/21/2026 and available as a 12-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.
2Annual Percentage Yield (APY). 4.10% APY is accurate as of 10/21/2026 and available as a 6-month term. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. $2,500 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.
3Annual Percentage Yield (APY). 4.25% APY is accurate as of 10/21/2026 and available as an 18-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.
4Annual Percentage Yield (APY). 4.25% APY is accurate as of 10/21/2026 and available as a 24-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.
5Visit fdic.gov for more information about FDIC insurance coverage.
4.00% APY Flagstar Ready Savings – Promotional Rate Disclosure
6Annual Percentage Yield (APY) is accurate as of 10/21/2026. A promotional annual percentage yield of 4.00% 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.
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