Bank · FDIC insured
Flagstar Bank CD Rates
Top CarrotFlagstar Bank’s best CD rate is 4.30% APY on a 1-year CD. Terms run from 6 months to 2 years. Rates checked October 17, 2026.
How Flagstar Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Flagstar Bank has the most branches. $10,000, best rate first.
This bank’s best
Flagstar Bank
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
Certificates of Deposit (CD)
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Flagstar Bank CD score
90
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.25%
- QualifiedQualified4.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Flagstar Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CD)
Up to 4.30%APY · 4 terms
FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMust present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply | 4.10% | $203 |
| 12 monthsMust present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply | 4.30% | $430 |
| 18 monthsMust present offer at account opening. Limited time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply | 4.25% | $644 |
| 24 monthsMust present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply | 4.25% | $868 |
Sources (1)
- flagstar.com/personal/bank/sav…of-deposit-accounts.html · captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.