¹The Annual Percentage Yield (APY) is accurate as of 7/1/2025 rates are variable and are subject to change without notice. The My Banking Direct High Yield Savings is a tiered rate account. The minimum balance to open the account is $500. If your daily balance is $50,000 or more, the APY is 4.30%. If your daily balance is between $10,000.00 and $49,999.99, the APY is 4.30% If your daily balance is between $1.00 and $9,999.99, the APY is 4.30%. My Banking Direct, a service of Flagstar Bank, N.A. reserve the right to change the rate at any time without notice. Fees could reduce earnings.

²Annual Percentage Yield (APY). 4.25% APY 6-month CD is accurate as of 7/1/2025. The interest rate for the 6-month CD is 4.18%. The interest rate remains fixed until maturity. Fees could reduce earnings. A penalty may be imposed for early withdrawals. The minimum balance to open the account and obtain the APY is $2,500. My Banking Direct, a service of Flagstar Bank, N.A. reserves the right to cancel or modify this offer at any time without notice.

³Visit fdic.gov for more information about FDIC insurance coverage.

⁴Not all devices supported. Available for eligible personal and business deposit account customers only.

⁵Not all devices supported. Available for eligible personal and business checking and savings account customers only. Must be an active mobile banking user. Must be a customer for a minimum of two business days. Accounts must be in good standing.