Bank · FDIC insured
My Banking Direct CD Rates
My Banking Direct’s best CD rate is 4.30% APY on a 1-year CD. Rates checked October 25, 2026.
How My Banking Direct’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
My Banking Direct
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
12-Month CD
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
12-Month CD
4.30%APY · 1 term
Available online only. Customers living near any Flagstar Bank branch location may not be eligible. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply. Maximum deposit is $10 million. Withdrawals may result in imposition of applicable early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months4.30% APY is accurate as of 10/25/2026 and available as a 12-month term. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. Maximum deposit is $10 million. Not available for public units or Business CDs. Must present offer at account opening. Limited-time offer. Product and service availability may vary by location and are subject to area restrictions. Customers living near any Flagstar Bank branch location may not be eligible | 4.30% | $430 |
Sources (1)
- mybankingdirect.com · captured Oct 25, 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.