Source: https://www.cit.com/cit-bank/resources/products-and-rates
Read: 2026-10-22T05:11:04.000Z

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CIT Bank Products and Interest Rates
Bank Products and Rates
View the interest rates, annual percentage yields and minimums to open an account on available and heritage savings and money market accounts, and CDs. Effective July 1, 2026. Download this chart.
Product -
eChecking Account2
Product - eChecking < 25,000
APY1
 0.10%
Interest Rate1
 0.100%
Minimum to Open
 $100
Product - eChecking > 25,000
APY1
 0.25%
Interest Rate1
 0.250%
Minimum to Open
 $100
Product -
Money Market and Savings Accounts3
Product - Platinum Savings < $5,0002
APY1
0.25%
Interest Rate1
0.250%
Minimum to Open
$100
Product - Platinum Savings ≥ $5,0002
APY1
3.75%
Interest Rate1
3.682%
Minimum to Open
$100
Product - Savings Connect
APY1
3.65%
Interest Rate1
3.585%
Minimum to Open
$100 
Product - Savings Builder < $25,0004
APY1
0.40%*
Interest Rate1
0.250%**
Minimum to Open
$100 
Product - Savings Builder < $25,000, but with monthly deposit of $100 or more4
APY1
1.00%***
Interest Rate1
0.995%
Minimum to Open
$100 
Product - Savings Builder ≥ $25,0004
APY1
1.00%
Interest Rate1
0.995%
Minimum to Open
$100 
Product - Money Market3
APY1
1.55%
Interest Rate1
1.538%
Minimum to Open
$100 
Product - Premier High Yield Savings ≤ $250,0002,5
APY1
0.25%
Interest Rate1
0.250%
Minimum to Open
$100 
Product - Premier High Yield Savings > $250,0002,5
APY1
0.25%
Interest Rate1
0.250%
Minimum to Open
$100 
Product - High Yield Savings< $25,0002,5
APY1
0.25%
Interest Rate1
0.250%
Minimum to Open
$100 
Product - High Yield Savings ≥ $25,0002,5
APY1
0.25%
Interest Rate1
0.250%
Minimum to Open
$100 
Product -
Term Certificates of Deposit (CD)6,7
Product - 6-Month Term
APY1
3.75%
Interest Rate1
3.682%
Minimum to Open
 $1,000
Product - 1-Year Term
APY1
4.00%
Interest Rate1
3.922%
Minimum to Open
 $1,000
Product - 13-Month Term7
APY1
 3.25%
Interest Rate1
3.198%
Minimum to Open
 $1,000
Product - 18-Month Term7
APY1
2.75%
Interest Rate1
2.713%
Minimum to Open
 $1,000
Product - 2-Year Term
APY1
 0.40%
Interest Rate1
 0.399%
Minimum to Open
 $1,000
Product - 3-Year Term
APY1
 0.40%
Interest Rate1
 0.399%
Minimum to Open
 $1,000
Product - 4-Year Term
APY1
 0.50%
Interest Rate1
 0.499%
Minimum to Open
 $1,000
Product - 5-Year Term
APY1
 0.50%
Interest Rate1
 0.499%
Minimum to Open
 $1,000
Product -
No-Penalty CD8
Product - No-Penalty / 11-Month
APY1
3.90%
Interest Rate1
3.826%
Minimum to Open
 $1,000
Product -
Jumbo CDs6
Product - 2-Year Jumbo
APY1
 0.40%
Interest Rate1
 0.399%
Minimum to Open
 $100,000
Product - 3-Year Jumbo
APY1
 0.40%
Interest Rate1
 0.399%
Minimum to Open
 $100,000
Product - 4-Year Jumbo
APY1
 0.50%
Interest Rate1
 0.499%
Minimum to Open
 $100,000
Product - 5-Year Jumbo
APY1
 0.50%
Interest Rate1
 0.499%
Minimum to Open
 $100,000
Product -
Ramp Up CDs6,9
Product - 1-Year RampUp Plus
APY1
 0.25%
Interest Rate1
 0.250%
Minimum to Open
 $25,000
Product - 2-Year RampUp Plus
APY1
 0.25%
Interest Rate1
 0.250%
Minimum to Open
 $25,000
Product - 3-Year RampUp
APY1
 0.25%
Interest Rate1
 0.250%
Minimum to Open
 $25,000
Product - 4-Year RampUp
APY1
 0.25%
Interest Rate1
 0.250%
Minimum to Open
 $50,000
1Interest rates and APYs (Annual Percentage Yields) shown are accurate as of July 1, 2026. Fees could reduce earnings on these accounts. See the CIT Bank Fee Schedule.
2CIT Bank eChecking, Platinum Savings, Premier High Yield Savings and High Yield Savings are tiered interest rate accounts. 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. Interest rates and APYs are variable and subject to change without notice.
3CIT Bank Savings Connect and Money Market accounts are variable-rate accounts. Interest rates and APYs are subject to change without notice.
4Savings Builder is a variable, tiered interest rate account. Tier levels are subject to change. Interest is paid on the entire end-of-day account balance based on the interest rate and APY in effect for the applicable tier on that day. Interest rates and APYs are subject to change without notice.
Interest Tiers
Tier - Base Tier
Balance Requirement
< $25,000
APY
0.40%*
Interest Rate
0.250%
Tier - Upper Tier
Balance Requirement
< $25,000, but with monthly deposit of $100 or more
APY
1.00%
Interest Rate
0.995%**
Tier - Upper Tier
Balance Requirement
≥ $25,000
APY
1.00%***
Interest Rate
0.995%
*APY assumes the account is opened on the 15th day of the month and no qualifying deposits of $100 are made following account opening. Actual APY may be greater or less depending on the date the account is opened.
**Interest Rate is 0.995% during the Introductory Period and 0.250% thereafter.
***APY assumes additional qualifying deposits are made each Evaluation Period.
Visit our Savings Builder page for complete terms and conditions.
5Premier High Yield Savings and High Yield Savings are not available for new personal accounts.
6CDs may be subject to an early withdrawal penalty, which will reduce earnings. Upon maturity, CDs are renewed for the same term automatically, except as noted below for the 13-Month and 18-Month CDs.
7Upon maturity, the 13-Month CD will be automatically renewed as a 1-Year Term CD at the then-published APY, and the 18-Month CD will be automatically renewed as a 2-Year Term CD at the then-published APY.
8You 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.
9New RampUp CDs are not available. 
New IRAs are not available. Current IRA customers and beneficiaries may rollover or open IRA savings and IRA/Roth CDs, excluding Premier High Yield Savings, Money Market, Savings Connect, Savings Builder, Platinum Savings, No-Penalty/11-Month CD and 6-month CD. APYs and interest rates listed above are for both personal and IRA accounts.
First Citizens Bank and Trust Company (FCB) is a member of the Federal Deposit Insurance Corporation (FDIC). This means your deposits are insured up to $250,000 per depositor, for each account ownership category. Deposits held under the names of First-Citizens Bank and Trust Company and all banks which are a division of FCB are not separately insured. Deposits from each of these banks must be combined for purposes of determining whether a depositor has exceeded the federal insurance deposit limit.
Download the chart
See Fee Schedule and Agreement for Personal Accounts for details.
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