CIT Platinum Savings
A tiered savings product favoring depositors with $5,000 or more.
APY
4.55%
on balances over $5,000
Updated 1d agoEditor rating
4.3 / 5
Seguro
FDIC
Cert #58978
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APY history
0 snapshotsNo rate history yet — checking daily.
Veredicto del editor
CIT Platinum has a tiered structure that rewards larger savers. If you can keep $5,000+ in the account, the APY is among the best on this list. Below that threshold the rate drops sharply, so it is not a good fit for emergency funds being actively built up.
By HYSA Compare Editorial Team · APY verificado el 2026-04-06T00:00:00.000Z
Pros
- + High APY for larger balances
- + No monthly fees
- + FDIC insured
Contras
- − Minimum $5,000 balance to earn the headline APY
- − Lower APY for balances under $5k
What you'd earn at CIT Bank
Plug in your numbers. We'll show you how much interest you earn at today's rate.
Total contributed
$25,000
Interest earned
$4,260
Final balance
$29,260
Year-by-year breakdown
| Year | Contributed | Balance | Interest |
|---|---|---|---|
| 1 | $13,000 | $13,517 | $517 |
| 2 | $16,000 | $17,194 | $1,194 |
| 3 | $19,000 | $21,039 | $2,039 |
| 4 | $22,000 | $25,058 | $3,058 |
| 5 | $25,000 | $29,260 | $4,260 |
Assumes monthly compounding and a constant APY. Actual results vary as APYs change. Not financial advice.
Detalles de la cuenta
- Tipo de institución
- BANK
- Depósito mínimo de apertura
- $100
- Saldo mínimo para ganar APY
- $5,000
- Cargo mensual
- $0.00
- Capitalización
- daily
- Acceso a cajeros
- No
- Cheques
- No
- App móvil
- Sí