Bread Savings vs CIT Bank
Head-to-head comparison of Bread Savings High-Yield Savings and CIT Platinum Savings, updated daily.
CIT Bank currently wins on APY: 4.55% vs 4.40%
| Feature | Bread SavingsUpdated 1d ago | CIT BankUpdated 1d ago |
|---|---|---|
| APY | 4.40% | 4.55%★ |
| Min opening deposit | $100 | $100 |
| Min balance for APY | $100★ | $5,000 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | daily |
| ATM access | No | No |
| Check writing | No | No |
| Mobile app | No | Yes★ |
| Editor rating | 4.1 / 5 | 4.3 / 5★ |
Bread Savings verdict
Bread Savings is bare-bones and proud of it. There is no mobile app, no checking, no ATM — just a savings account with a competitive APY. For savers who want to "set and forget" without temptation to spend, the lack of features is a feature.
Read full Bread Savings review →CIT Bank 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.
Read full CIT Bank review →