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About CIT Bank, N.A.

For more than a century, CIT Group has been a leader in commercial financing, lending, and insurance. Now, CIT Bank is putting that experience to work for consumers like you. 

Continuing the tradition of innovation and service, CIT Bank offers a selection of products designed to help you reach your financial goals. So whether you’re saving for a new home, retirement or just looking for ways to make your money work harder, let us help you feel more confident in your tomorrow.

CIT Bank Products on BankOnCIT.com

Take advantage of award-winning rates with a CIT Bank Certificate of Deposit (CD).  

RampUp™ — have the option to adjust your rate once during the term of your CD should our rates go up.2  
See how flexible CDs can be 

RampUp™ Plus — have the option to adjust your rate once if our rates go up, plus add to your deposit once during the term of your CD.2 
Explore our most flexible CDs    

Term  — choose how long and how much you’d like to save and let us do the rest.
Check our terms and rates 

Jumbo — put larger deposits to work for you with premium rates.
See how much you could earn today  

Let us help you reach your savings goals quickly and easily. With CIT Bank High Yield Savings, you’ll enjoy a premium rate, without premium fees.

  • Minimum deposit of only $100 
  • FDIC-insured to the maximum amount allowed by law 
  • Quick and easy deposits by linking to existing accounts at another bank

View the latest rate on a CIT Bank High Yield Savings account 

It’s never too early to start saving for your retirement. Individual Retirement Accounts (IRAs) let you grow your money tax-deferred or tax-free depending on whether you choose a Traditional or Roth IRA.*

  • Most CIT Bank savings products can work as an IRA
  • High contribution limits
  • Manage and view statements online

Get one step closer to retirement with a CIT Bank IRA 

Help give a child in your life a strong financial future by opening a custodial account (UTMA) in their name. It’s the perfect way to help pay for education, a first car, and so much more.

  • Custodian maintains control until the minor reaches age of majority1
  • Part of the earnings may be tax-free
  • No gift tax on annual contributions up to $14,000 per individual
  • Save as much as you want with no limits on the size of the account

Set up a child in your life, open a custodial account (UTMA)  

*Consult with your tax advisor before choosing an IRA.

(1) All CIT Bank CDs and Savings products can be set up as custodial accounts under the Uniform Transfers to Minors Act.

(2) Effective June 1, 2015, all new or renewed RampUp™ and RampUp™ Plus CDs will be subject to a rate cap that will limit the optional increase of the initial APY to twice the amount of the initial APY, less 0.05%.

CIT Bank, N.A. is a member of the Federal Deposit Insurance Corporation (FDIC). 

CIT Bank, N.A. and OneWest Bank, a division of CIT Bank, N.A. are the same FDIC-insured institution. Deposits held under each name are not separately insured, but are combined to determine whether a depositor has exceeded the $250,000 federal deposit insurance limit, per depositor for each account ownership category. For purposes of calculating aggregate deposits held in CIT Bank, N.A., you should include deposits held in OneWest Bank, a division of CIT Bank, N.A. 

CIT Bank High Yield Savings rate may change after the account is opened.

APY — Annual Percentage Yield is accurate as of January 26, 2016.

CDs may be subject to an early withdrawal penalty, which may reduce earnings.

Our accounts at a glance

Compare the current rates for all CIT Bank products on BankOnCIT.com.


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Call 855-462-2652. Or use our secure form now.