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Flagstar Bank, National Association

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Flagstar Bank, National Association Rates & Review April 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: April 23, 2026

You can compare Flagstar Bank, National Association rates to other rates in our database, including 12-month CD rates currently at 1.00%, 6-month CD rates at 3.80% and 3-month CD rates at 0.05%. Savings rates are at 0.05% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.02%. All these rates can be compared to Flagstar Bank, National Association rates. MonitorBankRates evaluates the financial stability of Flagstar Bank, National Association with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.17%. Rates were last updated on 04/23/2026.

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

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.17%

Excellent Higher than avg

Flagstar Bank, National Association

102 Duffy Ave
Hicksville, NY 11801

https://www.flagstar.com

Current Rate Availability

We do not have Flagstar Bank, National Association rates right now, but we are constantly updating our database so check back often for updated rates.

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 05/20/1987

FDIC Insurance Date 08/09/1989

Domestic Offices 167

Total Branches 345

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

8.17%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 3.2222%

Return on Equity (ROE) 31.8400%

Non-Performing Loans (NPL) 1.09%

Total Assets $87,511,954,000

Total Deposits $65,999,563,000

Equity Capital $8,144,856,000

Net Income $-129,429,000

Headquarters Hicksville

Total Offices 167

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Flagstar Bank, National Association

Is Flagstar Bank, National Association a safe place to deposit money?

Yes, Flagstar Bank, National Association is considered a safe financial institution. With a Texas Ratio of 8.1664802127%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

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.