CIT Bank vs UFB Direct
Head-to-head comparison of CIT Platinum Savings and UFB Secure Savings, updated daily.
UFB Direct currently wins on APY: 4.57% vs 4.55%
| Feature | CIT BankUpdated 1d ago | UFB DirectUpdated 1d ago |
|---|---|---|
| APY | 4.55% | 4.57%★ |
| Min opening deposit | $100 | $0★ |
| Min balance for APY | $5,000 | $0★ |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | daily |
| ATM access | No | Yes★ |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.3 / 5★ | 4.0 / 5 |
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 →UFB Direct verdict
UFB Direct is one of the rate leaders and includes an ATM card, which is unusual. Our concern is customer service — UFB has had mixed reviews in third-party surveys. If you are confident you will not need much hand-holding, the math works in your favor.
Read full UFB Direct review →