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High-Yield Savings
Earn up to
4.10% APY*
On balances of $5,000+ for 6 months.
Learn moreat CIT Bank, Member FDIC
That's 10× the national average† as reported by the FDIC.
Our take
A standout high-yield savings account
The 0.35% APY boost makes this one of the highest annual percentage yields (APYs) in the market currently. And with no monthly fee, this account is a no-brainer for balances over $5,000.
- $100 minimum to open
- $0 monthly fees
- 4.5★ NerdWallet rating
- FDIC insured · Member FDIC
Ready to earn up to 4.10% APY*?
at CIT Bank, Member FDIC
*Up to 4.10% Annual Percentage Yield (APY) is accurate as of July 2026. This promotional APY includes a 0.35% APY rate boost applied to CIT Bank's standard baseline rate of 3.75% APY, and applies for 6 months on a minimum balance of $5,000; after the promotional period, the account reverts to the then-current standard variable baseline APY. Rates are variable and may change after the account is opened. Fees may reduce earnings on the account. The national average savings rate is 0.38% APY, as reported by the FDIC and updated monthly; it is accurate as of July 20, 2026. Rates, fees, and account terms are set by CIT Bank and subject to its approval. NerdWallet maintains editorial independence; advertisers do not influence our ratings or recommendations.
†"10× the national average" compares CIT Bank's 4.10% APY with the 0.38% APY national average savings rate reported by the FDIC (as of July 20, 2026).