What are the current interest rates at CIT Bank?

Current rates for CIT Bank include: 12-Month CD: 0.25%, 18-Month CD: 2.75%, 24-Month CD: 0.25%, 36-Month CD: 0.25%, 48-Month CD: 0.25%, 60-Month CD: 0.50%, Savings: 0.25%, MMA: 1.55%

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CIT Bank Rates & Review September 2026

Q: How many branches does CIT Bank operate?

CIT Bank currently maintains approximately 517 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, CIT Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, CIT Bank provides members with tools to manage their accounts and build a solid financial history.

Q: Does CIT Bank offer online and mobile banking?

Most modern institutions like CIT Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cit.com.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 27, 2026

CIT Bank's top rates as of September 27, 2026 are 4.00% APY on its 1-Year CD, 0.25% APY on savings, and 1.55% APY on money market accounts, according to rates verified by MonitorBankRates. Other CIT Bank CD rates include 1-Year Term at 4.00%, No-Penalty / 11-Month at 3.90%, and 6-Month CD at 3.75%. MonitorBankRates evaluates the financial stability of CIT Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.85%. Rates last updated and verified on 09/27/2026.

CIT Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CIT Bank? Share your experience about CIT Bank by leaving a review below, or read customer reviews before you decide to use CIT Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.85%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

CIT Bank

239 Fayetteville St
Raleigh, NC 27601

https://www.cit.com

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

CIT Bank CD Rates

Product	Rate	APY	Term
1-Year CD	-	4.00%	1-Year
Rate History No change since Sep 24, 2026 · 4.00% APY · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
1-Year Term	3.92%	4.00%	1-Year
Rate History No change since Sep 27, 2026 · 4.00% APY Min Deposit $1,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
No-Penalty / 11-Month	3.83%	3.90%	11-Month
Rate History No change since Sep 27, 2026 · 3.90% APY Min Deposit $1,000 Details You may withdraw the total balance and interest earned, without penalty, beginning 7 days after funds have been received for your CD. No withdrawals are permitted during the first 6 days following the receipt of funds. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
6-Month CD	-	3.75%	6-Month
Rate History No change since Sep 24, 2026 · 3.75% APY · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
6-Month Term	3.68%	3.75%	6-Month
Rate History No change since Sep 27, 2026 · 3.75% APY Min Deposit $1,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
13-Month CD	-	3.25%	13-Month
Rate History No change since Sep 24, 2026 · 3.25% APY · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
13-Month Term	3.20%	3.25%	13-Month
Rate History No change since Sep 27, 2026 · 3.25% APY Min Deposit $1,000 Details Upon maturity, will be automatically renewed as a 1-Year Term CD at the then-published APY. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
18-Month CD	-	2.75%	18-Month
Rate History No change since Sep 24, 2026 · 2.75% APY · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
18-Month Term	2.71%	2.75%	18-Month
Rate History No change since Sep 27, 2026 · 2.75% APY Min Deposit $1,000 Details Upon maturity, will be automatically renewed as a 2-Year Term CD at the then-published APY. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
4-Year CD	-	0.50%	4-Year
Rate History No change since Sep 24, 2026 · 0.50% APY · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
4-Year Term	0.50%	0.50%	4-Year
Rate History No change since Sep 27, 2026 · 0.50% APY Min Deposit $1,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
5-Year CD	-	0.50%	5-Year
Rate History No change since Sep 24, 2026 · 0.50% APY · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
5-Year Term	0.50%	0.50%	5-Year
Rate History No change since Sep 27, 2026 · 0.50% APY Min Deposit $1,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
2-Year CD	-	0.40%	2-Year
Rate History No change since Sep 24, 2026 · 0.40% APY · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
2-Year Term	0.40%	0.40%	2-Year
Rate History No change since Sep 27, 2026 · 0.40% APY Min Deposit $1,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
3-Year CD	-	0.40%	3-Year
Rate History No change since Sep 24, 2026 · 0.40% APY · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
3-Year Term	0.40%	0.40%	3-Year
Rate History No change since Sep 27, 2026 · 0.40% APY Min Deposit $1,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
1-Year RampUp Plus	0.25%	0.25%	1-Year
Rate History No change since Sep 27, 2026 · 0.25% APY Min Deposit $25,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
2-Year RampUp Plus	0.25%	0.25%	2-Year
Rate History No change since Sep 27, 2026 · 0.25% APY Min Deposit $25,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
3-Year RampUp	0.25%	0.25%	3-Year
Rate History No change since Sep 27, 2026 · 0.25% APY Min Deposit $25,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
4-Year RampUp	0.25%	0.25%	4-Year
Rate History No change since Sep 27, 2026 · 0.25% APY Min Deposit $50,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%

CIT Bank Savings Rates

Product	Rate	APY
Platinum Savings >=	3.68%	3.75%
Rate History No change since Sep 24, 2026 · 3.75% APY · checked 2 times Min Deposit $100 Details $5,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
Savings Connect	3.59%	3.65%
Rate History No change since Sep 24, 2026 · 3.65% APY · checked 2 times Min Deposit $100 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
Savings Builder	1.00%	1.00%
Rate History No change since Sep 24, 2026 · 1.00% APY · checked 2 times Min Balance $0 Details Balance: < $25,000, but with monthly deposit of $100 or more Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
Savings Builder	1.00%	1.00%
Rate History No change since Sep 24, 2026 · 1.00% APY · checked 2 times Min Balance $25,000 Details Balance: >= $25,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
Savings Builder	0.25%	0.40%
Rate History No change since Sep 24, 2026 · 0.40% APY · checked 2 times Min Balance $0 Details Balance: < $25,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
High Yield Savings	0.25%	0.25%
Rate History No change since Sep 27, 2026 · 0.25% APY Min Deposit $100 Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
Platinum Savings	0.25%	0.25%
Rate History No change since Sep 24, 2026 · 0.25% APY · checked 2 times Min Deposit $100 Min Balance $0 Details Balance: $0.00 - $4,999.99 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
Premier High Yield Savings	0.25%	0.25%
Rate History No change since Sep 24, 2026 · 0.25% APY · checked 2 times Min Deposit $100 Details Balance: $0.00 - $250,000.00 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%

CIT Bank Money Market Rates

Product	Rate	APY	View More
Money Market	1.54%	1.55%
Rate History No change since Sep 24, 2026 · 1.55% APY · checked 2 times Min Deposit $100 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%

CIT Bank Checking Rates

Product	Rate	APY
eChecking	0.25%	0.25%
Rate History No change since Sep 27, 2026 · 0.25% APY Min Deposit $100 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
eChecking	0.10%	0.10%
Rate History No change since Sep 27, 2026 · 0.10% APY Min Deposit $100 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%

CIT Bank Other Rates

Product	Rate	Points	APY/APR	Term
1-Year Term	3.92%	-	3.92%	1-Year
Rate History No change since Sep 24, 2026 · 3.92% APR · checked 2 times Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
13-Month Term	3.20%	-	3.20%	13-Month
Rate History No change since Sep 24, 2026 · 3.20% APR · checked 2 times Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
18-Month Term	2.71%	-	2.71%	18-Month
Rate History No change since Sep 24, 2026 · 2.71% APR · checked 2 times Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
6-Month Term	3.68%	-	3.68%	6-Month
Rate History No change since Sep 24, 2026 · 3.68% APR · checked 2 times Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
No-Penalty / 11-Month	3.83%	-	3.83%	11 months
Rate History No change since Sep 24, 2026 · 3.83% APR · checked 2 times Details Term: No-Penalty / 11-Month Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

CIT Bank’s Texas Ratio rose from 5.24% in Q3 2023 to 7.85% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$236.3B	7.85%	5.0	A
March 31, 2026	$235.5B	7.59%	5.0	A
December 31, 2025	$229.3B	7.19%	5.0	A
September 30, 2025	$233.2B	7.66%	5.0	A
June 30, 2025	$229.4B	6.96%	5.0	A
March 31, 2025	$228.6B	6.62%	5.0	A
December 31, 2024	$223.5B	6.14%	5.0	A
September 30, 2024	$220.4B	6.52%	5.0	A
June 30, 2024	$219.7B	6.10%	5.0	A
March 31, 2024	$217.7B	5.93%	5.0	A+
December 31, 2023	$213.6B	5.41%	5.0	A+
September 30, 2023	$213.6B	5.24%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for CIT Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather CIT Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CIT Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Citizens Bank

Bank Holding Company FIRST CITIZENS BANCSHARES INC

Address 239 Fayetteville St, Raleigh, NC 27601 · Wake

Website https://www.cit.com

FDIC Certificate # 11063

Established 18980101

FDIC Insurance Date 19340101

Domestic Offices 518

Total Branches 517

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.85%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0269%

Return on Equity (ROE) 10.2900%

Non-Performing Loans (NPL) 0.72%

Total Assets $236,317,000,000

Total Deposits $173,952,000,000

Equity Capital $23,108,000,000

Net Income $1,200,000,000

Headquarters Raleigh

Total Branches and Offices 518

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

CIT Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About CIT Bank

How many branches does CIT Bank operate?

CIT Bank currently maintains approximately 517 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, CIT Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CIT Bank provides members with tools to manage their accounts and build a solid financial history.

Does CIT Bank offer online and mobile banking?

Most modern institutions like CIT Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cit.com.