Banks tend to talk a lot about rates--loan rates, CD rates, savings rates. And hey, that’s fine, they’re banks. But for Flagstar Bank, the nation’s third largest savings bank and mortgage lender in all 50 states, there is something that comes first. Interest in their customers. Interest in creating smart solutions within consumers’ reach. Interest in what consumers really want from a bank. This has been Flagstar Bank’s longstanding focus. That's why Cramer-Krasselt helped Flagstar create a new interest rate for the banking industry, "The Human Interest Rate."