CIT Bank Platinum Savings: 4.10% APY Boost Promotion (Nationwide) – Ends 5/31/26

Right now, CIT Bank’s Platinum Savings account is offering a 4.10% APY boost for 6 months when you use promo code CITBoost.

After the promotional period ends, you’ll continue earning the standard 3.75% APY¹ on balances of $5,000 or more.

Add in FDIC insurance, no monthly fees, and just a $100 minimum opening deposit, and this is one of the more competitive online savings options available today.

In this post, I’ll break down:

• How to qualify for the 6-month APY boost
• What happens after the promo ends
• How it compares to other high-yield savings accounts
• Whether it makes sense for your savings strategy

• Update 4/1/26: The APY Boost Promotion has been extended through 5/31/26.
• Update 3/10/26: CIT is running an APY Boost Promotion to earn up to 4.10% APY. See details in this blog post.
• Update 11/20/25: The APY decreased slightly to 3.75% APY.
• Update 9/23/25: New cash bonus offer now available, ends 12/8/25. The APY has decreased slight to 3.85% APY.
• Update 6/12/25: The APY rate has decreased slightly to 4.00% APY.
• Update 5/28/25: The cash bonus has ended.
• Update 3/21/2025: The APY has decreased slightly to 4.10% APY.
• Update 2/5/2025: The APY decreased slightly to 4.30% APY.

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, but the accounts also earn a competitive rate. Plus, they’re easy to open with low opening deposit requirements.

Boost Rate vs Standard Rate Breakdown

During 6-Month Boost (Promo Code Required)

Balance Tier	Boost APY
$5,000+	4.10% APY*
Under $5,000	0.60% APY*

After 6 Months (Standard Rate)

Balance Tier	Standard APY
$5,000+	3.75% APY*
Under $5,000	0.25% APY*

This is a tiered interest rate account. Interest is paid on the entire account balance based on the tier associated with your end-of-day balance.

CIT Bank Platinum Savings Earns Up to 4.10% APY (Promotion)

The Platinum Savings account is a solid option if you can maintain a $5,000 balance and want a temporary rate boost above the already competitive standard APY.

Current rates:

• 4.10% APY for 6 months with promo code CITBoost
• 3.75% APY ongoing for balances $5,000+
• 0.60% APY (boost period) or 0.25% APY (standard) under $5,000
• $100 minimum opening deposit
• No monthly maintenance fees
• Available nationwide online
• Member FDIC

>> OPEN A PLATINUM SAVINGS ACCOUNT WITH CIT BANK FOR THE RATE

READ MORE: SEE ALL THE BEST OFFERS FROM CIT BANK HERE

Account Features

• High Promotional APY: Earn 4.10% APY for 6 months with promo code
• Strong Ongoing Rate: 3.75% APY on balances $5,000+
• No Monthly Fees
• FDIC Insured
• $100 Minimum Opening Deposit
• Digital Banking Access via Mobile App

¹ 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 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.

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 February 17, 2026.

Boost Disclosure:

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 May 31, 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 their Personal Account Disclosures.

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.

READ MORE: FOR BALANCES LESS THAN $5,000 CONSIDER THE CIT SAVINGS CONNECT ACCOUNT

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: SEE THE NATION’S BEST ONLINE SAVINGS AND MONEY MARKET 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 CHASE.

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: ALSO EARN GREAT RATES WITH CIT BANK’S CD ACCOUNTS

Bottom Line

If you’re parking $5,000 or more in cash and want a competitive online savings rate, the 6-month 4.10% APY boost makes this offer especially attractive.

Even after the promotional period ends, 3.75% APY remains competitive compared to the national average savings rate.

There are no monthly fees, the account is FDIC insured, and the minimum opening deposit is only $100.

If you’re comfortable with online banking and can maintain the $5,000 balance, this is a solid short-term yield play with a strong long-term fallback rate.

>> OPEN A PLATINUM SAVINGS ACCOUNT WITH CIT BANK FOR THE RATE

FIND MORE CIT BANK BONUSES HERE

READ MORE: SEE THE BEST BANK BONUSES HERE

By Tony Jay, a seasoned finance blogger and executive editor, who boasts over two decades of experience in the banking sector, with a specialization in online banking and savings strategies. Tony holds a doctoral degree from Tulane University. Edited by John Huynh, who brings more than two decades of experience in finance and investing, including as a senior finance and operations manager at a renowned research institute and degrees in economics and international studies from UC Irvine.