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Apply for a Home Loan Today

When it comes to getting a home loan, we have the solutions to meet virtually any need.

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2% Cash Back on Every Purchase

Our Visa Signature® credit card will even let you choose to deposit your rewards into your checking account.

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Explore our library of videos and articles to manage and protect your money.

The New Flagstar Logo and Brand is Here

We are excited to unveil the new Flagstar logo and brand identity! While you will not see it activated across our markets until Q1 2024, the modern, fresh visual identity combines the best elements of legacy companies under the Flagstar name, delivering a new energy in banking. We can’t wait to share more early next year.

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Find our quarterly earnings and latest press releases here.

Award for 2023 Best Checking Account from GOBankingRates
Best Checking Account

My Community Free Checking is among the Best Checking Accounts of 2023.

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Over 56,000 Fee-Free ATMs2

Enjoy fee-free access to thousands of ATMs in the Flagstar and NYCB network.

We're growing to serve you even better.

NYCB has joined forces with Flagstar Bank. What does that mean for you? You can expect the same great service you've always received and even more of the tailored solutions you need to succeed- all with a shared customer-first, community-focused approach.

1 Annual Percentage Yield (APY). 5.50% APY is accurate as of November 3, 2023. 7 month and 13 month terms available. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. $500 minimum opening deposit required. Maximum deposit is $10,000,000. Funds currently deposited in accounts at New York Community Bank a division of Flagstar Bank, N.A., are not eligible for the promotional interest rate. Not available for public units. Certain restrictions may apply. Offer subject to change or cancellation at any time without notice. Cannot be combined with any other CD offer. Must present offer at account opening. Limited-time offer. Area restrictions may apply. Please contact your local branch for more information.

2 Currency conversion fee may apply to transactions outside the U.S.