Available nationwide, CIT Bank is offering 3.75% APY (up to 4.10% with 6 month boost promotion) on balances of $5,000 or more when opening a CIT Bank Platinum Savings account with a $100 deposit.

Update 3/20/26: You can currently earn up to 4.10% APY with their 6 month boost promotion (current standard rate of 3.75% APY)! CIT Bank is offering a competitive rate with the Platinum Savings account – which also is a great hub account for push/pull transfers.

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CIT Bank Platinum Savings Boost Promotion

Needs to use promo code to qualify: CITBoost
Boost lasts 6 months over standard APY
Tiered account
$100 minimum account opening
Member FDIC
No Monthly Service fees
No account opening fees

With 6 month boost, you earn:

Tier	Boost APY	Multiplier
Balance over $5,000	4.10%*	10x²
Balance less than $5,000	0.60%*	N/A

After boost is completed, you will continue to earn our best standard rates:

Tier	Boost APY	Multiplier
Balance over $5,000	3.75%*¹	9x²
Balance less than $5,000	0.25%*¹	N/A

Disclosures:

¹Platinum 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 January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% 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.
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 February 17, 2026.
*This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria. Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate. The Promotion begins on February 13, 2026, and ends April 13, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions. The promotion can end at any time without notice.
For complete list of account details and fees, see our Personal Account disclosures.

About CIT Bank Platinum Savings

CIT Bank, a division of First Citizens Bank, is a top-10 online bank built on the heritage of First Citizen Bank’s experience.

With no maintenance or ATM fees and numerous conveniences, CIT Bank’s Platinum Savings account is an excellent banking solution for many depositors.

CIT Bank’s Platinum Savings has one of the highest interest rates with human phone and email support during business hours.

Whether you’re establishing a savings habit or looking for a high-yielding savings, CIT Bank’s Platinum Savings account is a powerful tool to boost your savings.

Open an account with a great rate and easy, 24/7 online access.

Balance Requirement	APY Rate
$5,000+	3.75%
Less than $5,000	0.25%

CIT Bank Platinum Savings Rate

Interest Rate: 3.75% APY
Account Type: CIT Bank Platinum Savings
Availability: Nationwide (Online)
Minimum Balance: None
Maximum Balance: None
Credit Inquiry: Soft pull
Opening Deposit: $100
Monthly Fee: There are no monthly fees
Early Account Termination Fee: None

Apply Now at CIT Bank

(FDIC-Insured)

CIT Bank ACH Capabilities & Limits

ACH Type	Speed	Daily $ Limit	Monthly $ Limit	Notes
Push	1 day	$250K	$7.5M	None
Pull	1 day	$500K	$15M	None

How to Earn CIT Bank Rate

Open a CIT Bank Platinum Savings Account.
Enter your info. Securely provide your address, phone number, email and Social Security number (or other taxpayer ID).
Fund your account. Open an account with a minimum of $100. You can transfer funds with an electronic transfer, mail-in check or wire.
And you’re done. That’s all there is to it. We’ll send an email confirming you have successfully opened your account.
Earn 3.75% APY on n balances of $5,000 or more.

Why You Should Sign Up For This Account

Competitive rates
Secure. Your CIT Bank account is FDIC insured, which means it’s secure.
Digital convenience. CIT Bank’s mobile app makes it easy to manage your account.
No monthly service fees. No account opening or monthly services fees, so you can keep what you earn.

Bottom Line

Check out CIT Bank and open a Platinum Savings account to earn a competitive rate!

This is one of the favorite savings accounts to use as a Hub account to transfer my money. You can transfer $250K out per day or pull $500K per day from another bank. Best of all, it takes only a day to see your money!

The fact that you can earn a high rate on any balance makes this Savings Account all worthwhile.

Interested in Bank Bonuses? See promotions from our favorite banks: U.S. Bank, Citi, Huntington, Chase, TD, Discover Bank, Axos Bank, BMO, SoFi, and more!

For more bank offers, see the complete list of Best Bank Rates! For more, see our list of the latest CIT Bank promotions.