CIT Bank vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | CIT BankPlatinum Savings Jan 7, 2026 | Jenius BankJenius Savings Jan 7, 2026 |
|---|---|---|
| APY | 0.25% - 3.75% | 4.05% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $100 | $0 |
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%. | - |
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo Minimums |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing CIT Bank vs. Jenius 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 Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Jenius Bank pays $30 more than CIT Bank on a $10,000 balance after one year. CIT Bank pays $375, while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
In addition, CIT Bank also offers 3.65% APY for the Savings Connect account, with a minimum balance of $0.
Why CIT Bank?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.4 vs 3.6)
- ✓Offers 2 different high-yield savings options
- ✓Fast transfers via Zelle®
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.65%-3.75%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $375/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $938/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
CIT BankCIT Bank offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.4 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $30 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 as of
Jenius Bank offers a competitive Jenius Savings account with a notable APY of 4.05%, making it the clear winner for higher returns. This account has no minimum deposit or balance requirements, and there are no maintenance fees, providing a straightforward savings option. In comparison, CIT Bank's Platinum Savings account yields 3.75% APY but requires a minimum balance of $5,000 to earn this rate, while lower balances earn only 0.25%. Both banks are online-only and do not require direct deposits, but Jenius Bank's account stands out for its simplicity and higher yield.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
CIT Bank vs. Jenius Bank Savings Calculator
You earn $30 more with Jenius 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
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | CIT Bank | Jenius Bank |
|---|---|---|
| APY | 3.75% Range: 0.25% - 3.75% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Platinum Savings | Jenius Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $5,000 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.4 | iOS4.0 Android3.6 |
| 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%. | - |
| Next Steps | Visit SiteGo to CIT Bank * Secure link to our partner | Visit SiteVerify at Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | CIT Bank | Jenius Bank | |
|---|---|---|---|
| Savings Connect | Platinum Savings | Jenius Savings | |
Current APY | 3.65% | 3.75% | 4.05% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.6 | -5.0 | -2.8 |
Days Since Change | 48 | 48 | 50 |
11-Month High | 4.00% | 4.35% | 4.50% |
11-Month Low | 3.65% | 3.75% | 4.05% |
Adjustments / Mo | 0.26 | 0.43 | 0.17 |
Volatility Score | 0.035 | 0.045 | 0.029 |
How to read these metrics(Click to expand)
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