CIT Bank No-Penalty 11-month CD

APY: 3.75%

Requirement: $1000 Balance

Recurring Fee: No Fee

Bonus Requirement:

Earn 3.75% APY with no monthly service fees.

No penalty to access funds if needed before maturity

Monthly Fees: None

Monthly Fee Details:

No account opening or monthly service fees.

Availability: Nationwide

Account Type: No-Penalty 11-month CD

Expiration: None Listed

Additional Requirements: Minimum opening deposit: $1000

Disclosure:

Member FDIC

APY — Annual Percentage Yield is accurate as of January 9, 2026. $1,000 minimum to open the account.

With a No-Penalty CD, you may withdraw the total balance and interest earned, without penalty, beginning 7 days after funds have been received for your CD. No withdrawals are permitted during the first 6 days following the receipt of funds.

For complete list of account details and fees, see our Personal Account disclosures.

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