Currently, CIT Bank is offering 3.75% APY (up to 4.10% with 6 month boost promotion) when opening their Platinum Savings Account. This offer is available nationwide.
Update 3/10/26: You can currently earn up to 4.10% APY with their 6 month boost promotion (current standard rate of 3.75% APY)! This account is a great hub account for push/pull transfers on top of offering a competitive rate!
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.
As an online-only bank, the CIT Bank Platinum Savings account offers an annual percentage yield (APY) that far outshines the national average.
If you’re looking for an account that offers a highly competitive rate with no monthly service fees, we’ll help you decide if this savings account is the right fit for you.
I’ll review the CIT Bank Platinum Savings account below.
CIT Bank Platinum Savings Rate
- Eligible account: CIT Bank Platinum Savings account
- Credit inquiry: Soft Pull
- Where it’s available: Nationwide
- Opening Deposit: $100
- Monthly fee: There are no monthly service fees
- Early Termination Fee: None listed
(FDIC Insured)
How to Earn the CIT Bank Rate
- Open the 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.
| Balance Requirement | APY Rate |
| $5,000+ | 3.75% |
| Less than $5,000 | 0.25% |
Account Benefits
- 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.
Conclusion
Now, when you open a an account, you’ll be able to earn a competitive rate on your funds!
Just be sure that you follow the instructions on how to open your accounts and start maximizing your funds immediately.
However, if these rates don’t appeal to you, check out other bank rates and bank bonuses. For more, see our list of the latest promotions from CIT Bank.
Some popular bank offers include U.S. Bank, Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.
If you have experience with CIT Bank, feel free to comment below and tell our readers about how the experience went!
