Platinum Savings
CIT Bank Platinum Savings
APY Up To
4.10%
Monthly Fee
None
To Qualify
$5,000 Balance
Availability
Nationwide
Expires
10/31/2026
Bonus Details
Up to 4.10% APY on balances of $5000 or more
How To Qualify
Use promo code: CITBoost
$5000 minimum balance for the boosted 4.10% APY. (0.60% APY if balance is less).
Boost lasts 6 months over standard APY.
After boost is completed, you will continue to earn standard rates (currently 3.75% with a $5,000 minimum balance, 0.25% if less).
APY Details
The boosted 4.10% APY needs a $5,000 minimum balance and lasts 6 months. Below $5,000 the rate is 0.60% APY. After the boost, standard rates apply: currently 3.75% APY with a $5,000 minimum balance, 0.25% below it. Platinum Savings is tiered, and the rates are variable and can change at any time.
APY Requirements
Open with promo code CITBoost and keep at least $5,000 in the account.
The Fine Print
- Monthly Fees
- None
- Account Type
- Platinum Savings
- Expiration Date
- 10/31/2026
- Additional Requirements
- Minimum opening deposit: $100
- Availability
- Nationwide
Monthly Fee Details
No account opening or monthly service fees.
Disclosure
Member FDIC
Platinum 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 July 1, 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.
Based 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 July 20, 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 October 31st, 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.