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Current CD rates and terms at Flagstar Bank. You can often get higher than advertised rates at your local branch if you do your homework. Print out our "Highest CD Rate Survey" and bring it in with you. Also print out some of the advertisements showing rates advertised on your bank's competing web sites so you have proof.  (Make sure the date shows on your printout so they know it is current.)
Bottom line: It never hurts to ask the teller if better rates are available when you do your homework! 

Article: Beware of Annuities

Flagstar Bank, headquartered in Troy, Michigan, is a community bank with approximately 170 banking centers in Michigan, Indiana and Georgia. Chartered in 1987 as a federal savings bank, today Flagstar has assets in excess of $14 billion.

Contact Info
Troy Office
5151 Corporate Dr
Troy, MI 48098
(800) 642-0039

Banking hours:
Weekdays 7:30 a.m. - 7:30 p.m.
Saturday 8:30 a.m. - 4 p.m.

Mortgage Services: (800) 968-7700
Banking Services: (800) 642-0039
Consumer Loans: (888) WIN-LOANS (946-5526)
Corporate Headquarters: (800) 945-7700

Rates and terms may change so read the fine print and make sure you get FDIC insurance!!!! 

Definition:  A Certificate of Deposit or CD is certificate from a bank stating that the named party has a specified sum on deposit, usually for a given period of time at a fixed rate of interest.  Often there is a penalty for early withdrawal (taking your money out before the specified period of time.)

Definition:  A Liquid Certificate of Deposit gives you a CD rate that is usually better than most checking accounts while allowing more fluid access to your money.  That is you can take money out of the CD before it matures.  They usually pay higher rates than the offering bank's money market account but not the top rates of CDs held to the full term.  They are sort of "half and half" and thus offer rates that are inbetween the two.

Definition:  APY = Annual Percentage Yield.   Early withdrawal penalty may apply.

Note 1:  Rates and terms may change at any time.  Contact the  bank for their current rates.

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