CIT Bank CD Rates

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Compare CIT Bank CD Rates

Please find below CD rates offered by CIT Bank.

CIT Bank • 11 Month CD

APY

3.25%

Monthly Fee

None

Signup Bonus

None

Save $325*Apply Now

Interest Rate Breakdown

Balance	APY
$1,000+	3.25%

Minimum to Open: $1,000

Additional Info

CIT Bank No-Penalty 11-Month CD offers a 3.25% APY¹ and the flexibility of penalty-free withdrawals starting seven days after your initial deposit.
11 month locked in rate
No penalty to access funds if needed before maturity²
No opening or maintenance fees
Easy access to your account 24/7 on your computer or with the CIT Bank mobile app.
Daily compounding interest to maximize your earning potential
FDIC insured
¹APY — Annual Percentage Yield is accurate as of November 20, 2025. $1,000 minimum to open the account.
²With a No-Penalty CD, you may withdraw the total balance and interest earned, without penalty, beginning 7 days after funds have been received for your CD. No withdrawals are permitted during the first 6 days following the receipt of funds.
For complete list of account details and fees, see our Personal Account disclosures.

View all savings accounts from CIT Bank

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CIT Bank • 6 Month CD

APY

2.75%

Monthly Fee

None

Signup Bonus

None

Save $275*

Interest Rate Breakdown

Balance	APY
$1,000+	2.75%

Minimum to Open: $1,000

Additional Info

Lock in a great rate. Unlock possibilities. Earn 2.75% APY!
Daily compounding interest to maximize your earning potential.
No account opening or maintenance fees.
Set up and manage your beneficiaries online or through the mobile app.
Member FDIC

View all savings accounts from CIT Bank

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CIT Bank • 18 Month CD

APY

2.75%

Monthly Fee

None

Signup Bonus

None

Save $275*

Interest Rate Breakdown

Balance	APY
$1,000+	2.75%

Minimum to Open: $1,000

Additional Info

Lock in a high-yield rate for 18 months. Earn 2.75% APY!
Daily compounding interest to maximize your earning potential.
No account opening or maintenance fees.
Set up and manage your beneficiaries online or through the mobile app.
Member FDIC

View all savings accounts from CIT Bank

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CIT Bank • 5 Year CD

APY

0.50%

Monthly Fee

None

Signup Bonus

None

Save $50*

Interest Rate Breakdown

Balance	APY
$1,000+	0.50%

Minimum to Open: $1,000

Additional Info

Skip the drama of market volatility and lock in an interest rate.
Daily compounding interest to maximize your earning potential.
No account opening or maintenance fees.
Set up and manage your beneficiaries online or through the mobile app.

View all savings accounts from CIT Bank

Apply Now

More Details

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CIT Bank • 2 Year CD

APY

0.40%

Monthly Fee

None

Signup Bonus

None

Save $40*

Interest Rate Breakdown

Balance	APY
$1,000+	0.40%

Minimum to Open: $1,000

Additional Info

Skip the drama of market volatility and lock in an interest rate.
Daily compounding interest to maximize your earning potential.
No account opening or maintenance fees.
Set up and manage your beneficiaries online or through the mobile app.

View all savings accounts from CIT Bank

Apply Now

More Details

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CIT Bank • 3 Year CD

APY

0.40%

Monthly Fee

None

Signup Bonus

None

Save $40*

Interest Rate Breakdown

Balance	APY
$1,000+	0.40%

Minimum to Open: $1,000

Additional Info

Skip the drama of market volatility and lock in an interest rate.
Daily compounding interest to maximize your earning potential.
No account opening or maintenance fees.
Set up and manage your beneficiaries online or through the mobile app.

View all savings accounts from CIT Bank

Apply Now

More Details

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CIT Bank • 1 Year CD

APY

0.30%

Monthly Fee

None

Signup Bonus

None

Save $30*

Interest Rate Breakdown

Balance	APY
$1,000+	0.30%

Minimum to Open: $1,000

Additional Info

Skip the drama of market volatility and lock in an interest rate.
Daily compounding interest to maximize your earning potential.
No account opening or maintenance fees.
Set up and manage your beneficiaries online or through the mobile app.

View all savings accounts from CIT Bank

Apply Now

More Details

Compare

CIT Bank CD Rates Reviews

4.0

What's Your Rating?

michelecatrionawalker
September 5, 2020 • @michelecatrionawalker

The online login interface is confusing and 1 out of every 2 logins for me becomes a call into customer service to assist with login issues. I have many online accounts and am very comfortable with logins. I never have had such a bad login experience. The prompts are wordy and confusing. Sure, you want double security and authentication. I get that. But the prompts aren't clear and then you get locked out and then you have to call...on the other hand the customer service reps are excellent. They admitted that they get this complaint regularly. I like to check my account weekly if not daily. Sure I'm obsessive. But that's my right and frankly, it motivates me to see that balance grow. And when I'm feeling down in this COVID sux enviro, this little boost of hope grows more important! I have closed my account.

Product: CIT Bank Premier High Yield Savings Account

Comment

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CIT Bank CD Rates Q&A

Get answers to your questions about CIT Bank CD Rates below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Upvotes

What are the CIT Bank locations in Topeka, KS?

Ramses Delgado, Banking Moderator

CIT Bank is an online-only bank, meaning it does not have a branch in Topeka, KS.

However, you can open an account with CIT Bank online. For the most up-to-date information please contact its customer service by phone at (855) 462-2652.

You can check the best savings accounts available to ensure that whatever decision you make really fits your goals.

Upvotes

Does CIT Bank offer IRA CDs?

Ramses Delgado, Banking Moderator

CIT Bank no longer opens or services IRA CDs for new customers. All of its publicly offered certificates of deposit are regular, taxable accounts only. However, only current IRA customers and beneficiaries may roll over or open IRA savings and IRA/Roth CDs.

For the most up-to-date information, refer to CIT Bank's website or contact their customer service.

You can check the best CD rates available to ensure that whatever decision you go for really fits your...

Upvotes

What are the CIT Bank locations in Southern California?

Ramses Delgado, Banking Moderator

CIT Bank is an online-only bank, meaning it does not have a branch in Southern California.

However, you can open an account with CIT Bank online. For the most up-to-date information please contact its customer service by phone at (855) 462-2652.

You can check the best savings accounts available to ensure that whatever decision you make really fits your goals.

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