CIT Bank Savings Accounts

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Compare CIT Bank Savings Accounts

Please find below savings accounts offered by CIT Bank.

CIT Bank Platinum Savings Account

APY

3.85%

Monthly Fee

None

Signup Bonus

Up to $300

Save $385*Apply Now

Interest Rate Breakdown

Balance	APY
$0 - $5,000	0.25%
$5,000+	3.85%

Minimum to Open: $100

Additional Info

Get up to $300 bonus when you meet the Platinum Savings promotion criteria:¹
(a) New and existing customers must open a Platinum Savings account with a valid Promo Code, “PS2025."
(b) Must deposit at least $25,000 for a $225 bonus, or at least a minimum of $50,000 for a $300 bonus into the enrolled Platinum Savings account within the first 30 calendar days following account opening (the “Funding Period”).
(c) The enrolled Platinum Savings account must be open at the time of the bonus payment to qualify.
All customers who qualify for the $225 or $300 bonus offer will receive the bonus in the enrolled Platinum Savings account within 60 days after the 30-day funding period.
Earn 3.85% APY² on balances of $5,000 or more! 9x the National Average on your savings.³
0.25% APY² with a balance of less than $5,000
Tiered account
$100 minimum account opening
Member FDIC
No Monthly Service fees
No account opening fees
¹This limited-time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025, and can end at any time without notice.
Customers will receive a $225 or a $300 bonus provided that the program requirements are met. Click here to see promotion details and terms.
²Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of September 23, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.85% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
³Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of September 15, 2025.

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CIT Bank Savings Connect

APY

3.75%

Monthly Fee

None

Signup Bonus

None

Save $375*Apply Now

Interest Rate Breakdown

Balance	APY
$0+	3.75%

Minimum to Open: $100

Additional Info

Earn 3.75% APY¹ with no minimum balance requirements.
Earn 9x the national average with a Savings Connect account.²
$100 minimum account opening
Member FDIC
No Monthly Service fees
No account opening fees
¹APY — Annual Percentage Yield is accurate as of September 23, 2025. Interest Rates for the Savings Connect Account are variable and may change at any time without notice. The minimum to open a Savings Connect account is $100. Fees could reduce earnings on the account.
²Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of September 15, 2025.
For complete list of account details and fees, see our Personal Account disclosures.

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CIT Bank • 11 Month CD

APY

3.35%

Monthly Fee

None

Signup Bonus

None

Save $335*Apply Now

Interest Rate Breakdown

Balance	APY
$1,000+	3.35%

Minimum to Open: $1,000

Additional Info

CIT Bank No-Penalty 11-Month CD offers a 3.35% 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 September 23, 2025. With 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.
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.

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CIT Bank • 6 Month CD

APY

3.00%

Monthly Fee

None

Signup Bonus

None

Save $300*

Interest Rate Breakdown

Balance	APY
$1,000+	3.00%

Minimum to Open: $1,000

Additional Info

Lock in a great rate. Unlock possibilities. Earn 3.00% 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

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CIT Bank • 18 Month CD

APY

3.00%

Monthly Fee

None

Signup Bonus

None

Save $300*

Interest Rate Breakdown

Balance	APY
$1,000+	3.00%

Minimum to Open: $1,000

Additional Info

Lock in a high-yield rate for 18 months. Earn 3.00% 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

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CIT Bank Savings Builder

APY

1.00%

Monthly Fee

None

Signup Bonus

None

Save $100*

Interest Rate Breakdown

Balance	APY
$0+	1.00%

Minimum to Open: $100

Additional Info

No account opening or maintenance fees
Earn one of the nation's top rates — 2x the national average
Get 0.995% interest rate from the day the account is opened through the first Evaluation Day.
Continue earning up to 1.00% APY by: Maintaining a balance of $25,000 or more OR Making at least one monthly deposit of $100 or more.

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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.

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CIT Bank Savings Accounts 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

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CIT Bank Savings Accounts Q&A

Get answers to your questions about CIT Bank Savings Accounts 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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