Customers with HMBradley Deposit Accounts opened with New York Community Bank, a division of Flagstar Bank, N.A. (NYCB) are eligible to earn the following annual percentage yields (APYs) in accordance with the Deposit Account Agreement & Disclosures. 

APYs accurate as of 06/01/2023:

Level 1

3.00% APY

Customers who open an HMBradley Deposit Account with NYCB will earn 3.00% APY.

Level 2

4.00% APY

Customers who make an incoming deposit(s) totaling at least $500 per month to their NYCB deposit account and also maintain positive monthly cash flow (meaning that monthly deposits exceed monthly withdrawals, not including HMBradley Credit Card payments) will earn 4.00% APY in the following month.

Level 3

4.50% APY

Customers who make an incoming deposit(s) totaling at least $500 per month to their NYCB deposit account, maintain positive monthly cash flow (meaning that monthly deposits exceed monthly withdrawals, not including HMBradley Credit Card payments), and also spend $500 per month on their HMBradley Credit Card will earn 4.50% APY in the following month.

Interest rates and APYs may change any time after the account is opened. We do not pay interest on account balances above $250,000. Any fees may reduce the APY earned on the account. A minimum deposit of $100 is required to open an account.