Available nationwide, CIT Bank is offering you 3.75% APY (up to 4.10% with 6 month boost promotion) when you open a Platinum Savings account.
Update 3/13/26: You can currently earn up to 4.10% APY with their 6 month boost promotion (current standard rate of 3.75% APY)! Not only do you earn a competitive rate, this account is a great hub account for push/pull transfers.
The Platinum Savings account from CIT Bank may be an ideal banking option for many depositors since it has no maintenance or ATM fees and a number of benefits.
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.
CIT Platinum Savings is a digital savings account that is FDIC-insured. Using the mobile app from CIT, you can easily manage your savings account.
The software allows for the digital deposit of checks into your account.
CIT Bank Platinum Savings Account
Here is your opportunity to earn a competitive rate on your funds. Open a new account and start earning interest and get started today!
- Rate Offer: 3.75% APY Rate
- Availability: Nationwide
- Minimum Balance: None
- Maximum Balance: None
- Credit Inquiry: Soft Pull
- Credit Funding: Unknown
- Opening Deposit: $100
- Monthly Service Fee: None
- Early Termination Fee: None listed
(Visit CIT Bank to learn more)
| Balance Requirement | APY Rate |
| $5,000+ | 3.75% |
| Less than $5,000 | 0.25% |
CIT Bank ACH Capabilities & Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | 1 day | $2M | No limit | None |
| Pull | 1 day | $2M | No limit | None |
How To Earn 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.
CIT Bank Platinum Savings 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.
Author’s Verdict
Open a new account today to start accruing competitive interest and take advantage of the services they have to offer.
Be sure to also check out these other CIT Bank promotions. Be sure to check back on BankDealGuy for more bank rates!
In addition to the current rate from CIT Bank, you can also take advantage of a range of great promotions from banks such as U.S. Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.
Let us know about your thoughts and experience with this account!
Interesting read! I’m always looking for high-yield savings accounts that offer competitive rates. Will definitely consider CIT Bank’s Platinum Savings Account with its 5.05% APY. Appreciate the thorough review and analysis!