What are the current interest rates at Flagstar Bank, National Association?

Current rates for Flagstar Bank, National Association include: 12-Month CD: 3.80%, 24-Month CD: 3.70%, Savings: 3.75%

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Flagstar Bank, National Association

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Flagstar Bank, National Association Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Flagstar Bank, National Association provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Flagstar Bank, National Association's 8-MONTH CD rates are at 4.00%, 12-MONTH CD rates are at 3.80%, 24-MONTH CD rates are at 3.70%, 6-MONTH CD rates are at 3.70%, 6-Month CD rates are at 3.70%. Flagstar Bank, National Association's savings rates are at 3.75%. MonitorBankRates evaluates the financial stability of Flagstar Bank, National Association with a 3.1 Star Rating, an D Overall Health Grade, and a Texas Ratio of 37.37%. Rates last updated and verified on 09/22/2026.

Flagstar Bank, National Association money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Flagstar Bank, National Association? Share your experience about Flagstar Bank, National Association by leaving a review below, or read customer reviews before you decide to use Flagstar Bank, National Association.

Overall Health & Safety Grade

Weak Health Score: 63/100

MonitorBankRates Rating

3.1

Good Out of 5.0 Stars

Texas Ratio

37.37%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Flagstar Bank, National Association

102 Duffy Ave
Hicksville, NY 11801

https://www.flagstar.com

Flagstar Bank, National Association CD Rates

Product	Rate	APY	Term
8-MONTH CD	-	4.00%	8-month
Min Deposit $500 Details New Money Required; Offer subject to change or cancellation at any time without notice. Last Updated 09/22/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 37.37%
12-MONTH CD	-	3.80%	12-month
Min Deposit $500 Details New Money Required; Offer subject to change or cancellation at any time without notice. Last Updated 09/22/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 37.37%
24-MONTH CD	-	3.70%	24-month
Min Deposit $2,500 Details New Money Required; Offer subject to change or cancellation at any time without notice. Last Updated 09/22/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 37.37%
6-MONTH CD	-	3.70%	6-month
Min Deposit $500 Details New Money Required; Offer subject to change or cancellation at any time without notice. Last Updated 09/22/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 37.37%
6-Month CD	-	3.70%	6-Month
Min Deposit $2,500 Details New Money Required. Offer subject to change or cancellation at any time without notice. Limited time offer. Last Updated 09/22/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 37.37%

Flagstar Bank, National Association Other Rates

Product	Rate	Points	APY/APR	Term	View More
Flagstar Ready Savings	-	-	3.75%	180 days
Min Deposit $1 Min Balance $10,000 Details Promotional APY for first 180 days. Balances at or below $9,999.99 do not qualify for this promotional rate and are subject to the current non-promotional interest rate. At the end of the 180-day promotional period, the interest rate and APY will revert to the then-posted non-promotional rate(s). Variable rate. New personal savings client required. New money required. Account must remain open for the full 180-day promotional period. Offer subject to change or cancellation. Last Updated 09/22/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 37.37%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Flagstar Bank, National Association’s Texas Ratio rose from 8.17% in Q3 2023 to 37.37% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 3.1 and its Health Grade from A to D. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$87.7B	37.37%	3.1	D
March 31, 2026	$87.1B	35.78%	3.3	D
December 31, 2025	$87.5B	39.50%	3.0	F
September 30, 2025	$91.6B	40.43%	2.9	F
June 30, 2025	$92.2B	39.62%	3.0	F
March 31, 2025	$97.6B	40.84%	2.9	F
December 31, 2024	$100.1B	36.65%	3.2	D
September 30, 2024	$114.3B	36.81%	3.2	D
June 30, 2024	$119.0B	28.01%	3.9	C
March 31, 2024	$112.8B	15.17%	5.0	A-
December 31, 2023	$114.0B	13.55%	5.0	A
September 30, 2023	$111.2B	8.17%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Flagstar Bank, National Association is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Flagstar Bank, National Association rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Flagstar Bank, National Association's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Flagstar Bank, National Association

FDIC Certificate # 32541

Address 102 Duffy Ave, Hicksville, NY 11801 · Nassau

Website https://www.flagstar.com

Established 19870520

FDIC Insurance Date 19890809

Domestic Offices 345

Total Branches 345

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 63/100

3.1

Good Out of 5.0 Stars

37.37%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.1265%

Return on Equity (ROE) 1.3600%

Non-Performing Loans (NPL) 3.46%

Total Assets $87,714,456,000

Total Deposits $67,521,229,000

Equity Capital $8,140,809,000

Net Income $55,326,000

Headquarters Hicksville

Total Branches and Offices 345

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Flagstar Bank, National Association

How many branches does Flagstar Bank, National Association operate?

Flagstar Bank, National Association currently maintains approximately 345 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Flagstar Bank, National Association does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Flagstar Bank, National Association provides members with tools to manage their accounts and build a solid financial history.

Does Flagstar Bank, National Association offer online and mobile banking?

Most modern institutions like Flagstar Bank, National Association provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.flagstar.com.