The CIT Bank Platinum Savings APY Boost: A smart money move for 2026

Finding the right place to grow your savings can feel overwhelming. Many traditional banks offer interest rates that barely make a dent. Some banks advertise dizzyingly high rates, but after reading the fine print, you might wonder if it’s worth the effort.

You want a high-yield savings account (HYSA) that rewards your hard work without requiring you to jump through proverbial hoops. You want your money to grow securely and effortlessly long after the promotion period is over.

From now through May 31, 2026, we are offering an exclusive opportunity to help you reach your goals even faster. The CIT Bank Platinum Savings APY boost promotion adds a significant lift to your earning potential for six months. Once the boost period is over, your money will continue earning interest at a competitive rate that’s 10 times the national average. ^{Scroll to disclosure: 1}

Let’s explore how this promotion works, why it benefits you, and how you can easily enroll today.

Give your savings a boost

The annual percentage yield (APY) on a savings account is the amount you’ll earn in a year, including the effects of compound interest. CIT Bank calculates compound interest daily, adding it to your account monthly. When you enroll in our limited-time APY boost promotion through the promotion enrollment page with the promo code CITBOOST, we add a 0.35% APY ^{Scroll to disclosure: 2} boost to our competitive standard rate for six full months. This means you earn significantly more on your deposits right from the start.

Here is exactly what you can expect to earn during your six-month boost period:

• 4.10% APY on balances of $5,000 or more.

• 0.60% APY on balances less than $5,000.

After the six-month boost ends, you will continue to earn our highly competitive standard rates, which are currently:

• 3.75% APY on balances of $5,000 or more.

• 0.25% APY on balances less than $5,000

If the standard-published APY should change during the six-month boost period, the APY boost will move with it, offering an account APY of 0.35% above the standard rate.

Notice the significant jump when you reach the $5,000 tier. We designed the Platinum Savings account to reward your saving habits. Reaching and maintaining that $5,000 balance unlocks our top tier, helping you grow your money with momentum.

If you want a competitive APY but don’t have $5,000, check out our Savings Connect account. This account is not eligible for the APY boost promotion, but it can be a great choice if you’re just getting started on your savings journey.

How to lock in your APY boost promotion

We designed the process to be fast, secure, and entirely online. Taking advantage of this offer is simple, whether you’re a new or existing customer.

All you need is $100 to open your account. There is no minimum balance required to participate in the APY boost promotion, but remember that balances of $5,000 or more unlock the highest earning tier.

Here is how you can secure your 0.35% APY boost today.

For New CIT Bank Customers

If you do not currently have a CIT Bank account, welcome! We are thrilled to help you grow your savings.

1. Starting from the promotion website, click the green “Get Started” button to access the secure enrollment page. You must enroll through the promotion website to participate.

2. Provide your basic information, including your address, phone number, email, and Social Security number.

3. Enter the promo code CITBOOST at the time of account opening. This step is critical to ensure you receive the promotional rate.

4. Fund your account with a minimum of $100 via electronic transfer, mail-in check, or wire.

For Existing CIT Bank Customers

Already have a relationship with us? We love rewarding our loyal customers. You are completely eligible for this promotion as a primary account owner. From the promotion website, click the green “Get Started” button and log in with your CIT Bank credentials on the right side of the enrollment page.

• If you do not have a Platinum Savings account yet: Open a new Platinum Savings account via the promotion website . Make sure the promo code CITBOOST is shown during the opening process.

• If you already have a Platinum Savings account: You can enroll your current account into the APY boost promotion. Simply navigate to the promotion website and confirm that the promo code CITBOOST is entered. Keep in mind that there is a limit of one APY boost promotional offer per account and per primary customer. If you open multiple accounts, only one account per primary owner will receive the boost. The boost applies to balances up to $9,999,999.00.

Enjoy the benefits of a Platinum Savings account

A great interest rate is just the beginning. We believe a high-yield savings account should make your life easier, not more complicated. When you open a CIT Bank Platinum Savings account, you gain access to a suite of benefits tailored for high-income individuals and families.

No monthly service fees

You should never have to pay a bank to hold your money. At CIT Bank, we charge zero account opening fees and zero monthly service fees. Every dollar you earn in interest stays right where it belongs — in your account.

Secure savings you can trust

Your family's financial security is our top priority. Your CIT Bank account is FDIC-insured through our parent organization, First Citizens Bank and Trust Company. Deposits are insured up to $250,000 per depositor, for each account ownership category. You can sleep soundly knowing your money is safe and sound.

Effortless digital convenience

You are busy. You do not have time to wait in long lines at a local branch. CIT Bank’s mobile app makes it incredibly easy to manage your account from anywhere. Transfer funds, deposit paper checks, and keep track of your account balance and interest earnings with just a few taps. We also offer digital savings tools such as SmartSaver, which makes it easy to automate your savings and organize your money.

Competitive rates that deliver

We consistently offer rates that outperform the national average. Why settle for pennies when your money could be earning a substantial return? We give you the leverage you need to combat inflation and grow your disposable income.

Plan for the future with confidence

Building a strong financial foundation takes time, dedication, and the right strategy. Whether you are saving for a new home addition, planning a memorable family vacation, or simply building an emergency fund, every dollar counts. By offering top-tier interest rates, robust security, and unparalleled convenience, we give you the freedom to focus on what matters most.

Your money is too important to sit idle in a low-earning account. Your time is too valuable to waste it on offers that come with a lengthy checklist of tasks.

Take control of your financial growth. Open your CIT Bank Platinum Savings account on the promotion website with the promo code CITBOOST, and watch your savings grow for years to come.