Its Express Money Market yield has fallen from 1.06% to 0.61% APY (1.25% to 0.75% for $100K+). I'm not sure what's going on at Flagstar. Rates have been going up and down. In December the MMA rate plummeted to 0.50%. It went up to 1.06% last week with a new $100K tier. Refer to my Flagstar review for more info.