CIT Bank Savings Connect Earns 3.65% APY (Available Nationwide)

If you’re looking for a simple, flexible savings account with one of the best rates available nationwide, CIT Bank’s Savings Connect account is offering 3.65% APY¹. That’s more than nine times the national average² — and you only need $100 to open an account. With no monthly fees, FDIC insurance, and easy online access, this high-yield savings account is designed to help your money grow without the hassle.

In this post, I’ll walk you through the details of the Savings Connect offer, what makes it stand out in today’s market, and how it compares to other top savings accounts.

CIT Bank is a popular option for online banking, especially if you’re seeking interest-bearing online checking and savings accounts. Not only are they perfect for daily use, the accounts also earn a competitive rate. Plus, they’re easy to open with low opening deposit requirements.

Offer details below.

CIT Bank Savings Connect Earns 3.65% APY (Nationwide)

The Savings Connect offers one of the highest APY rates in the market. Open an account to earn the top rate.

• Current rate: 3.65% APY¹
• Earn 9x the National Average on your savings.²
• Offer is available online, nationwide
• Minimum opening deposit of $100 for Savings Connect
• Access your accounts 24/7 online and on the mobile app.
• Deposit checks remotely and make transfers easily with the CIT Bank mobile app.
• There are no account opening or monthly service fees for savings accounts.

>> OPEN A SAVINGS CONNECT ACCOUNT WITH CIT BANK TO GET THE RATE

Account Features

• Get a competitive rate on your Savings Connect account, 11x the National Average.*
• With the CIT Bank mobile app, deposit checks from your mobile device and make transfers easily.
• There are no account opening or monthly service fees for savings accounts.

Footnote & Disclosures:

• ¹ APY — Annual Percentage Yield is accurate as of November 20, 2025. Interest Rates for the Savings Connect Account are variable and may change at any time without notice. The minimum to open a Savings Connect account is $100. Fees could reduce earnings on the account.
• ² 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 November 17, 2025.
• CIT updates the multiplier information based on the FDIC National Rates. The FDIC publishes their rate on the third Monday of each month (always will be their effective date) and CIT updates its site by the end of that week.
• For complete list of account details and fees, see their Personal Account Disclosures.

READ MORE: FIND ALL THE BEST CIT BANK PROMOTIONS AND OFFERS HERE

How To Open An Account

• Click the link above to open an account online.
• Enter your info. You’ll need to provide information such as your address, phone, email and social security number.
• Fund your account. Minimum of $100 to open your account. You can transfer funds with electronic transfer, mail in check, or wire.
• You’ll receive a confirmation email once you’re done.

Why Choose A Savings Account From CIT Bank?

High-yield savings accounts are a great way to make your money work for you, and CIT Bank offers some of the best options out there.

These accounts typically offer higher interest rates than traditional savings accounts, which means your money will grow faster.

CIT Bank’s high-yield savings accounts also come with no monthly maintenance fees and no minimum balance requirement, so you can start saving with whatever amount you have.

READ MORE: GET THE BEST SAVINGS AND MONEY MARKET ACCOUNT RATES

How Does CIT Bank Handle Online Security?

Managing your finances can be a hassle, but CIT Bank makes it easy with their online banking platform. You can access your account from anywhere with an internet connection, and you can do everything from checking your balance to transferring money.

The platform is also secure, so you can be sure your personal and financial information is protected.

They take several measures to protect their customers’ personal and financial information. They use advanced encryption technology to protect your account information, and they also have multiple layers of security in place to detect and prevent fraud.

Additionally, CIT Bank’s system is regularly audited to ensure compliance with the highest industry standards.

READ MORE: WELCOME OFFERS FROM AXOS AND BMO.

How Good Is Mobile Banking With CIT?

CIT Bank’s mobile app is a great way to stay on top of your finances on the go.

The app is available for both iOS and Android devices, and it’s loaded with features that make managing your money a breeze. You can check your account balance, transfer money, deposit checks, and even pay bills (if you also use their checking account) right from your phone.

You can set up push notifications in the app, so you’ll always be aware of any important account activity.

READ MORE: EARN GREAT RATES WITH CIT BANK’S CD ACCOUNTS (AVAILABLE NATIONWIDE)

Bottom Line

Overall, CIT Bank’s Savings Connect account is definitely worth considering if you’re in the market for a high-yield savings account.

They offer some of the best interest rates out there, and there are no monthly maintenance fees or minimum balance requirements. Plus, their online banking platform makes managing your money a breeze.

With CIT Bank, you can easily transfer money and deposit checks right from your computer or mobile device.

One thing to keep in mind is that, like many other online banks, CIT Bank doesn’t have physical branches. This means you won’t be able to walk into a bank and speak with a teller or banker in person. However, they have a great customer service team available 7 days a week that can help you with any questions or concerns you may have.

All in all, if you’re looking for a high-yield savings account and comfortable with online banking, this account from CIT Bank may be a good fit.

>> OPEN A SAVINGS CONNECT ACCOUNT WITH CIT BANK TO GET THE RATE

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