Bank · FDIC insured
Flagstar Bank Savings Rates
Top CarrotFlagstar Bank’s best savings rate is 4.00% APY on $10,000, with its Flagstar Ready Savings. Rates checked October 17, 2026.
How Flagstar Bank’s savings 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
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Flagstar Ready Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Flagstar Bank savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0004.00%
- $100,000 balance$100,0004.00%
- QualifiedQualified4.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Flagstar Ready Savings
4.00%APY
Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger. | 0.05% | — | Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger. |
| $10,000 and upPromotional rate available for the first 180 days after account opening on balances greater than or equal to $10,000. Must be a new personal savings client and deposit new money. $1 minimum opening deposit. Reverts to standard non-promotional rate after 180 days. Early account closure fee may apply if closed within 180 days. | 4.00% | $400 | Promotional rate available for the first 180 days after account opening on balances greater than or equal to $10,000. Must be a new personal savings client and deposit new money. $1 minimum opening deposit. Reverts to standard non-promotional rate after 180 days. Early account closure fee may apply if closed within 180 days. |
Sources (2)
All captured Oct 17, 2026
Flagstar Performance Savings
0.10%APY
Personal accounts only. Initial minimum opening deposit to earn higher rate is $25,000. Account must be funded within 90 days of approval date. Early closure fee may apply if closed within 180 days. $15 monthly service charge waived with at least a $10,000 average daily collected balance or with a Flagstar personal checking relationship.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $10,000Tier 1 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01. · $1 to open | 0.10% | $1 | — | Tier 1 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01. |
| $10,000 – $25,000Tier 2 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01. · $1 to open | 0.10% | $1 | $10 | Tier 2 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01. |
| $25,000 – $50,000Tier 3 balance rate. Initial minimum opening deposit to earn higher rate is $25,000. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01. · $25,000 to open | 3.20% | $25,000 | — | Tier 3 balance rate. Initial minimum opening deposit to earn higher rate is $25,000. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01. |
| $50,000 – $100,000Tier 4 balance rate. Initial minimum opening deposit to earn higher rate is $25,000. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. · $25,000 to open | 3.20% | $25,000 | — | Tier 4 balance rate. Initial minimum opening deposit to earn higher rate is $25,000. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. |
| $100,000 – $500,000Tier 5 balance rate. Initial minimum opening deposit to earn higher rate is $25,000. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. · $25,000 to open | 3.20% | $25,000 | — | Tier 5 balance rate. Initial minimum opening deposit to earn higher rate is $25,000. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. |
| $500,000 and upTier 6 balance rate. Initial minimum opening deposit to earn higher rate is $25,000. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. · $25,000 to open | 3.20% | $25,000 | — | Tier 6 balance rate. Initial minimum opening deposit to earn higher rate is $25,000. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. |
Sources (2)
All captured Oct 17, 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.