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***The Annual Percentage Yield (APY) is accurate as of 1/1/2025 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 4.55%. If your daily balance is between $10,000.00 and $49,999.99, the APY is 4.55% If your daily balance is between $1.00 and $9,999.99, the APY is 4.55%. 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.