CIT Platinum Savings
A tiered savings product favoring depositors with $5,000 or more.
APY
4.55%
on balances over $5,000
Editor rating
4.3 / 5
Insurance
FDIC
Cert #58978
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Editor's Verdict
CIT Platinum has a tiered structure that rewards larger savers. If you can keep $5,000+ in the account, the APY is among the best on this list. Below that threshold the rate drops sharply, so it is not a good fit for emergency funds being actively built up.
By HYSA Compare Editorial Team · APY verified on 2026-04-06T00:00:00.000Z
Pros
- + High APY for larger balances
- + No monthly fees
- + FDIC insured
Cons
- − Minimum $5,000 balance to earn the headline APY
- − Lower APY for balances under $5k
Account details
- Institution type
- BANK
- Minimum opening deposit
- $100
- Min. balance to earn APY
- $5,000
- Monthly fee
- $0.00
- Compounding
- daily
- ATM access
- No
- Check writing
- No
- Mobile app
- Yes