Alliant Credit Union vs CIT Bank
Head-to-head comparison of Alliant High-Rate Savings and CIT Platinum Savings, updated daily.
CIT Bank currently wins on APY: 4.55% vs 3.10%
| Feature | Alliant Credit UnionUpdated 1d ago | CIT BankUpdated 1d ago |
|---|---|---|
| APY | 3.10% | 4.55%★ |
| Min opening deposit | $5★ | $100 |
| Min balance for APY | $100★ | $5,000 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | NCUA | FDIC |
| Compounding | monthly | daily |
| ATM access | Yes★ | No |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 3.4 / 5 | 4.3 / 5★ |
Alliant Credit Union verdict
Alliant is included on this list as the credit union benchmark, not because the rate is competitive (it is not — about 150bps below the leaders). Choose Alliant only if you specifically want the credit union ownership model and the ATM network access.
Read full Alliant Credit Union 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 →