Bank · FDIC insured
CIT Bank CD Rates
CIT Bank’s best CD rate is 3.75% APY on an 11-month CD. Terms run from 11 months to 5 years. Rates checked October 25, 2026.
How CIT Bank’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
CIT Bank
3.75%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $343
No-Penalty CD
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
CIT Bank CD score
68
CD score
Higher than 21% of U.S. banks and credit unions
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo0.50%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where CIT Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
No-Penalty CD
3.75%APY · 1 term
Withdraw total balance and interest earned without penalty beginning 7 days after funds have been received. No withdrawals permitted during first 6 days following receipt of funds.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 months | 3.75% | $343 |
Sources (2)
- cms-assets.cit.com/9j7wv5nnfw5…BankProductsandRates.pdf
- cms-assets.cit.com/9j7wv5nnfw5…BankProductsandRates.pdf
All captured Oct 25, 2026
Term Certificates of Deposit (CD)
Up to 3.25%APY · 7 terms
CDs may be subject to an early withdrawal penalty, which will reduce earnings. Upon maturity, CDs are renewed for the same term automatically, except 13-Month renews as 1-Year CD and 18-Month renews as 2-Year CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.30% | $30 |
| 13 monthsUpon maturity, renewed automatically as a 1-Year Term CD at the then-published APY | 3.25% | $353 |
| 18 monthsUpon maturity, renewed automatically as a 2-Year Term CD at the then-published APY | 2.75% | $415 |
| 24 months | 0.40% | $80 |
| 36 months | 0.40% | $120 |
| 48 months | 0.50% | $202 |
| 60 months | 0.50% | $253 |
Sources (1)
- cms-assets.cit.com/9j7wv5nnfw5…BankProductsandRates.pdf · captured Oct 25, 2026
Jumbo CDs
Up to 0.50%APY · 2 terms
CDs may be subject to an early withdrawal penalty, which will reduce earnings. Upon maturity, CDs are renewed for the same term automatically.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 0.40% | $120 |
| 48 months | 0.50% | $202 |
Sources (2)
- cms-assets.cit.com/9j7wv5nnfw5…BankProductsandRates.pdf
- cms-assets.cit.com/9j7wv5nnfw5…BankProductsandRates.pdf
All captured Oct 25, 2026
Closed to new customers
IRA Certificates of Deposit
Up to 3.25%APY · 7 terms
New IRAs are not available. Current IRA customers and beneficiaries may rollover or open IRA savings and IRA/Roth CDs, excluding No-Penalty/11-Month CD and 6-Month CD. APYs and interest rates are for both personal and IRA accounts. CDs may be subject to early withdrawal penalty. 13-Month renewed as 1-Year CD, 18-Month renewed as 2-Year CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.30% | $30 |
| 13 monthsUpon maturity, renewed automatically as a 1-Year Term CD at the then-published APY | 3.25% | $353 |
| 18 monthsUpon maturity, renewed automatically as a 2-Year Term CD at the then-published APY | 2.75% | $415 |
| 24 months | 0.40% | $80 |
| 36 months | 0.40% | $120 |
| 48 months | 0.50% | $202 |
| 60 months | 0.50% | $253 |
Sources (1)
- cms-assets.cit.com/9j7wv5nnfw5…BankProductsandRates.pdf · captured Oct 25, 2026
Ramp Up CDs
0.25%APY · 4 terms
New RampUp CDs are not available. CDs may be subject to an early withdrawal penalty, which will reduce earnings. Upon maturity, CDs are renewed for the same term automatically.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.25% | $25 |
| 24 months | 0.25% | $50 |
| 36 months | 0.25% | $75 |
| 48 months | 0.25% | $100 |
Sources (2)
- cms-assets.cit.com/9j7wv5nnfw5…BankProductsandRates.pdf
- cms-assets.cit.com/9j7wv5nnfw5…BankProductsandRates.pdf
All captured Oct 25, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.