The APY’s shown are accurate as of November 16, 2011. $1,000 minimum deposit to open. $1,000 minimum balance needed to earn interest. A penalty will be imposed on the Certificate of Deposit for early withdrawal which may reduce your earnings. CD APY is subject to change without notice. Fees could reduce earnings. To earn a Relationship CD Rate, you must maintain an active Flagship Checking or Money Market account. Active is defined as an account that is not inactive and has had transaction activity during a nine month period.

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Cash Passport™ is now available at Flagship. It will change the way you think about your money when traveling! With all the security of travelers cheques, but without the hassle.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.