# CIT Bank CD rates

As of October 22, 2026, CIT Bank's highest tracked CD rate is 4.00% APY on a 12-month CD ($1,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.40% to 4.00% APY.

Canonical page: https://apyledger.com/cd-rates/cit-bank
Institution: First-Citizens Bank & Trust Company (FDIC 11063)
Aliases: CIT
Status: live
Last verified: 2026-10-22T05:11:04.000Z (October 22, 2026)
Official source: https://www.cit.com/cit-bank/resources/products-and-rates
Coverage: Available online to U.S. residents in every state. CIT Bank is a division of First-Citizens Bank & Trust Company.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6-Month Term CD | standard | 6 months | $1,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-22T05:11:04.000Z | [Snapshot 137](https://apyledger.com/snapshots/137) |
| No-Penalty CD / 11-Month | standard | 11 months | $1,000 | 3.90% | Not ZIP-priced | −0.64% | 2026-10-22T05:11:04.000Z | [Snapshot 137](https://apyledger.com/snapshots/137) |
| 1-Year Term CD | standard | 12 months | $1,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T05:11:04.000Z | [Snapshot 137](https://apyledger.com/snapshots/137) |
| 13-Month Term CD | standard | 13 months | $1,000 | 3.25% | Not ZIP-priced | −1.35% | 2026-10-22T05:11:04.000Z | [Snapshot 137](https://apyledger.com/snapshots/137) |
| 18-Month Term CD | standard | 18 months | $1,000 | 2.75% | Not ZIP-priced | −1.97% | 2026-10-22T05:11:04.000Z | [Snapshot 137](https://apyledger.com/snapshots/137) |
| 2-Year Term CD | standard | 24 months | $1,000 | 0.40% | Not ZIP-priced | −4.47% | 2026-10-22T05:11:04.000Z | [Snapshot 137](https://apyledger.com/snapshots/137) |
| 2-Year Jumbo CD | standard | 24 months | $100,000 | 0.40% | Not ZIP-priced | −4.47% | 2026-10-22T05:11:04.000Z | [Snapshot 137](https://apyledger.com/snapshots/137) |
| 3-Year Term CD | standard | 36 months | $1,000 | 0.40% | Not ZIP-priced | −4.55% | 2026-10-22T05:11:04.000Z | [Snapshot 137](https://apyledger.com/snapshots/137) |
| 3-Year Jumbo CD | standard | 36 months | $100,000 | 0.40% | Not ZIP-priced | −4.55% | 2026-10-22T05:11:04.000Z | [Snapshot 137](https://apyledger.com/snapshots/137) |
| 4-Year Term CD | standard | 48 months | $1,000 | 0.50% | Not ZIP-priced | −4.48% | 2026-10-22T05:11:04.000Z | [Snapshot 137](https://apyledger.com/snapshots/137) |
| 4-Year Jumbo CD | standard | 48 months | $100,000 | 0.50% | Not ZIP-priced | −4.48% | 2026-10-22T05:11:04.000Z | [Snapshot 137](https://apyledger.com/snapshots/137) |
| 5-Year Term CD | standard | 60 months | $1,000 | 0.50% | Not ZIP-priced | −4.51% | 2026-10-22T05:11:04.000Z | [Snapshot 137](https://apyledger.com/snapshots/137) |
| 5-Year Jumbo CD | standard | 60 months | $100,000 | 0.50% | Not ZIP-priced | −4.51% | 2026-10-22T05:11:04.000Z | [Snapshot 137](https://apyledger.com/snapshots/137) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.