CIT Bank vs. Fitness Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
CIT Bank
Platinum Savings
Up to3.75%APYDec 17, 2025FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppRange: 0.25% – 3.75%Show Fine Print & Trends Hide Details
CIT Bank
Platinum Savings
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
4.75%APYDec 17, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Comparison Analysis
Comparing CIT Bank vs. Fitness Bank
As of CIT Bank offers an APY of 3.75% for its Platinum Savings account, with a minimum balance of $5,000, compared to Fitness Bank's 4.75% APY for its Fitness Elite Checking & Fitness Savings Combo account, with a minimum balance of $100.
Fitness Bank pays $100 more than CIT Bank on a $10,000 balance after one year. CIT Bank pays $375, while Fitness Bank pays $475 - an APY advantage for Fitness Bank.
In addition, CIT Bank also offers 3.65% APY for the Savings Connect account, with a minimum balance of $0, while Fitness Bank offers 4.45% APY for the Fitness Savings Account account, with a minimum balance of $100.
Why CIT Bank?
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.3 vs 0.0)
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 3.65%-3.75%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo earns more on smaller deposits (approx. $475 vs $375/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $938/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.45% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
CIT BankCIT Bank offers an iOS app rated 4.8 (vs. 1.7) and Android app rated 4.3 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $100 more interest on a $10,000 balance than CIT Bank's Platinum Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Fitness Bank offers a superior APY of 4.75% through its Fitness Elite Checking & Fitness Savings Combo, which requires maintaining a $5,000 average balance and completing 15 debit card transactions per Account Period. This account is online-only and comes with a $10 maintenance fee, waived with qualifying balances. In comparison, CIT Bank's Platinum Savings account provides a 3.75% APY, contingent on a $5,000 balance, and is also online-only. While CIT offers a secondary savings option with a 3.65% APY, Fitness Bank's higher yield makes it the more attractive choice for savers looking to maximize their returns.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
CIT Bank vs. Fitness Bank Savings Calculator
You earn $100 more with Fitness Bank than CIT Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
CIT Bank
Platinum Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
Sponsored Link
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$475.00(4.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,475.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | CIT Bank | Fitness Bank |
|---|---|---|
| APY | 3.75% Range: 0.25% - 3.75% Verified: 12/17/2025 ↘︎ 0.25%90d Change | 4.75% Verified: 12/17/2025 Stable (90d) |
| Product Name | Platinum Savings | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $100 | $100 |
| Min. Balance for APY | $5,000 | $100 |
| Monthly Fee | $0 | $10. Waived for average daily balances > $100 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.8 Android4.3 | iOS1.7 Android0.0 |
| BBB Rating | A- | A+ |
| Important Notes | This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%. | This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. |
| Next Steps | SponsoredOpen Account |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | CIT Bank | Fitness Bank | ||
|---|---|---|---|---|
| Savings Connect | Platinum Savings | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 3.65% | 3.75% | 4.75% | 4.45% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -4.2 | -4.4 | -3.9 | -1.6 |
Days Since Change | 27 | 27 | 106 | 106 |
9-Month High | 4.00% | 4.30% | 5.00% | 4.55% |
9-Month Low | 3.65% | 3.75% | 4.75% | 4.45% |
Adjustments / Mo | 0.33 | 0.43 | 0.22 | 0.22 |
Volatility Score | 0.032 | 0.032 | 0.024 | 0.011 |
How to read these metrics(Click to expand)
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