CIT Bank vs. Fitness Bank
Comparing CIT Bank and Fitness Bank for high-yield savings: CIT Bank's Platinum Savings pays 3.75% APY while Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays 4.50% APY.
Note: Fitness Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Fitness Bank pays $75 more than CIT Bank annually ($450 vs $375).
Choose CIT Bank if you want a no-strings-attached account, mobile app quality matters, or you want Zelle for quick transfers. Choose Fitness Bank if getting the best rate matters most.
Important Considerations
Fitness Bank requires a checking account to unlock its top savings rate, while CIT Bank offers its savings account standalone.
| Metric | CIT BankPlatinum Savings Mar 24, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo Mar 24, 2026 |
|---|---|---|
| APY | 0.25% - 3.75% | 4.50% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$225 $10,000+$450 $25,000+$1,125 |
Min Deposit | $100 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | 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. |
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsChecking BundleDaily CompoundingRate Changes Often |
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.
Comparison Analysis
Comparing CIT Bank vs. Fitness Bank
Executive Summary
Fitness Bank offers a competitive APY of 4.50% 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 has a minimum deposit of $100. In comparison, CIT Bank's Platinum Savings account provides a slightly lower APY of 3.75%, but this rate is contingent upon maintaining a minimum balance of $5,000 as well. CIT Bank also offers the Savings Connect account with an APY of 3.65%, which does not have a balance requirement. Both banks are online-only and do not require direct deposit, making them accessible options for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why CIT Bank?
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.7 vs 0.0)
- ✓Fast transfers via Zelle®
Why Fitness Bank?
- ✓Higher potential APY (4.20%-4.50% 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. $450 vs $375/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1125 vs $938/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.20% 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 4.7 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $75 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.
* Secure link to our partner
Non-sponsored link to official site
Top Market Contenders
CIT Bank vs. Fitness Bank Savings Calculator
You earn $75 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
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$450.00(4.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,450.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $374 per year in interest.
Both CIT Bank and Fitness Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | CIT Bank | Fitness Bank |
|---|---|---|
| APY | 3.75% Range: 0.25% - 3.75% Verified: 3/24/2026 Stable (90d) | 4.50% Verified: 3/24/2026 ↘︎ 0.25%90d Change |
| 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 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None. You cannot make use of First Citizens Bank's branches. | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Supported for eChecking users post-First Citizens merger. | Not Supported |
| 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 | Visit SiteGo to CIT Bank * Secure link to our partner | Visit SiteVerify at Fitness Bank Non-sponsored link to official site |
📈 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% | 4.50% | 4.20% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.8 | -3.8 | -4.4 | -2.7 |
Days Since Change | 124 | 124 | 49 | 49 |
12-Month High | 4.00% | 4.10% | 5.00% | 4.55% |
12-Month Low | 3.65% | 3.75% | 4.50% | 4.20% |
Adjustments / Mo | 0.25 | 0.25 | 0.25 | 0.25 |
Volatility Score | 0.037 | 0.036 | 0.035 | 0.026 |
How to read these metrics(Click to expand)
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Compare CIT Bank's APY of 3.75% with other banks
Compare Fitness Bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.20% | $0 |
| Fitness Bank vs American Express | 3.20% | $0 |
| Fitness Bank vs Axos Bank | 4.21% | $0 |
| Fitness Bank vs Barclays | 3.85% | $0 |
| Fitness Bank vs Capital One | 3.20% | $0 |
| Fitness Bank vs Chime | 3.00% | $0 |
| Fitness Bank vs Discover Bank | 3.30% | $0 |
| Fitness Bank vs EverBank | 3.90% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $0.01 |
| Fitness Bank vs Openbank | 4.09% | $500 |
| Fitness Bank vs Pibank | 4.60% | $0 |
| Fitness Bank vs SoFi Bank | 4.00% | $0 |
| Fitness Bank vs Synchrony Bank | 3.50% | $0 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wealthfront | 4.20% | $0 |