Capital One vs CIT Bank
Head-to-head comparison of Capital One 360 Performance Savings and CIT Platinum Savings, updated daily.
CIT Bank currently wins on APY: 4.55% vs 3.20%
| Feature | Capital OneLive | CIT BankUpdated 1d ago |
|---|---|---|
| APY | 3.20% | 4.55%★ |
| Min opening deposit | $0★ | $100 |
| Min balance for APY | $0★ | $5,000 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | monthly | daily |
| ATM access | Yes★ | No |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.0 / 5 | 4.3 / 5★ |
Capital One verdict
Capital One is one of the few HYSAs from a major bank with physical branch presence. You pay for that physical access in the form of a slightly lower APY — about 50-70bps less than the leaders. Reasonable choice for users who want the option of in-person service.
Read full Capital One 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 →