High-Yield Savings Account Comparison

CIT Bank vs. TD Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

CIT Bank

Platinum Savings

Up to
3.75%
APY
Dec 10, 2025
FDIC InsuredMod. MinimumGreat iOS AppGreat Android App
Range: 0.25% – 3.75%
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$5,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11063)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.3
BBB Rating
A-(Not BBB Accredited (Information provided is for First Citizens Bank & Trust Company))

Rate Stability

30 days
↘︎ 0.10%
90 days
↘︎ 0.25%
Read Bank Overview

TD Bank

TD Signature Savings

Up to
2.75%
APY
Dec 10, 2025
FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person Access
Range: 0.05% – 2.75%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$100,000
Maintenance Fee$10. Waived under some circumstances.
Compound FreqMonthly
Direct DepositNot required
Branch AccessMultiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Deposit InsuranceFDIC Insured(Cert: 33947)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.0
BBB Rating
Not Rated(Not BBB Accredited)

Important Note

This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY.

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

CIT Bank vs. TD Bank Savings Calculator

Calculations based on current APY for Platinum Savings and TD Signature Savings
$
$

CIT Bank earns $2,245.2 more than TD Bank.

CIT Bank

Platinum Savings

3.75% APY

Savings Breakdown

  • Interest Earned
    +$2,273.80(11.2%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,273.80

Effective APY
3.75%
View Details

TD Bank

TD Signature Savings

2.75% APY

Higher APY requires $100,000

Savings Breakdown

  • Interest Earned
    +$28.60(0.2%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$18,028.60

Effective APY
0.05%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing CIT Bank vs. TD Bank

Updated: Dec 10, 2025

Why CIT Bank?

  • ✓Higher potential APY (3.65%-3.75% vs 2.75%) on all balances
  • ✓No checking account or direct deposit required
  • ✓Offers 2 different high-yield savings options

Why TD Bank?

  • ✓Physical branch access (Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC)

— Key Feature Differences —

Better Returns at $10,000
CIT Bank

CIT Bank's Platinum Savings earns more on smaller deposits (approx. $375 vs $0/yr).

Better Returns at $25,000
CIT Bank

CIT Bank's Platinum Savings pulls ahead with larger amounts (approx. $938 vs $0/yr).

Best for Simplicity
CIT Bank

CIT Bank's Savings Connect offers 3.65% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, CIT Bank's Platinum Savings pays $370 more interest on a $10,000 balance than TD Bank's TD Signature Savings.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

TD BankCIT Bank
Automated Data Audit

Executive Summary

CIT Bank offers a competitive Platinum Savings account with a high APY of 3.75%, making it the standout option compared to TD Bank's TD Signature Savings, which has a maximum APY of 2.75% but requires a minimum balance of $100,000. CIT's Platinum Savings account has no maintenance fees and is online-only, while TD Bank's account has a $10 maintenance fee that can be waived under certain conditions. Additionally, CIT's Savings Connect account offers a solid 3.65% APY with no direct deposit requirement, providing a simpler alternative. Overall, CIT Bank's offerings provide better returns and flexibility.

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.

ExploreCIT BankExploreTD Bank

Top Market Contenders

See who beats both CIT Bank and TD Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.85% vs CIT Bank
Better Rate
Pibank vs CIT BankPibank vs TD Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.56% vs CIT Bank
Better Rate
Axos Bank vs CIT BankAxos Bank vs TD Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.65% vs CIT Bank
Better Rate
TIMBR vs CIT BankTIMBR vs TD Bank
FeatureCIT BankTD Bank
APY
3.75%
Range: 0.25% - 3.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
2.75%
Range: 0.05% - 2.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NamePlatinum SavingsTD Signature Savings
Minimum Deposit$100$0
Min. Balance for APY$5,000$100,000
Monthly Fee$0$10. Waived under some circumstances.
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNo Yes
Mobile Apps
iOS4.8
Android4.3
iOS4.8
Android4.0
BBB RatingA-Not Rated
Important Notes-This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY.
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricCIT BankTD Bank
Savings ConnectPlatinum SavingsTD Signature Savings
Current APY
3.65%3.75%2.75%
Trend
 Stable Stable Stable
Velocity (bps/mo)
-3.5-5.0-8.3
Days Since Change
202068
10-Month High
4.00%4.35%3.70%
10-Month Low
3.65%3.75%2.75%
Adjustments / Mo
0.290.480.38
Volatility Score
0.0310.0410.085
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 315-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar Alternatives

Compare CIT Bank vs...

Comparing against Standard Savings

vs CIT Bank
PibankNo Bundle Req
4.60%
APY
vs CIT Bank
TIMBRNo Bundle Req
4.40%
APY
vs CIT Bank
Newtek BankNo Bundle Req
4.35%
APY

Compare TD Bank vs...

Comparing against other Bundled Accounts

vs TD Bank
Axos BankChecking Bundle
4.31%
APY
vs TD Bank
SoFi BankChecking Bundle
4.30%
APY
vs TD Bank
Presidential BankChecking Bundle
4.00%
APY

More Comparisons

Compare CIT Bank's APY of 3.75% with other banks
Bank PairCompetitor APYMin Deposit
CIT Bank vs Affirm3.60%$0
CIT Bank vs Ally Bank3.30%$0
CIT Bank vs American Express3.40%$0
CIT Bank vs Axos Bank4.31%$0
CIT Bank vs Bank of America0.01%$100
CIT Bank vs Barclays4.00%$0
CIT Bank vs Bask Bank3.90%$0
CIT Bank vs Betterment3.50%$10
CIT Bank vs BMO Alto3.25%$0
CIT Bank vs Bread Savings4.10%$100
CIT Bank vs BrioDirect4.00%$5,000
CIT Bank vs Capital One3.40%$0
CIT Bank vs Charles Schwab Bank0.15%$0
CIT Bank vs Chase Bank0.01%$0
CIT Bank vs Chime3.50%$0
CIT Bank vs Citibank3.30%$0
CIT Bank vs Citizens Access™3.15%$0.01
CIT Bank vs Climate First Bank4.21%$50
CIT Bank vs Discover Bank3.40%$0
CIT Bank vs E*TRADE from Morgan Stanley3.75%$0
CIT Bank vs Elevault4.08%$0
CIT Bank vs EverBank4.05%$0
CIT Bank vs Fitness Bank4.75%$100
CIT Bank vs FNBO Direct3.00%$1
CIT Bank vs Forbright Bank4.00%$0
CIT Bank vs FVCbank3.85%$500
CIT Bank vs GO2bank4.50%$0
CIT Bank vs Ivy Bank4.25%$2,500
CIT Bank vs LendingClub4.20%$0
CIT Bank vs Marcus by Goldman Sachs3.65%$0
CIT Bank vs Neighbors Bank4.30%$0
CIT Bank vs Newtek Bank4.35%$0.01
CIT Bank vs Openbank4.20%$500
CIT Bank vs Peak Bank4.20%$100
CIT Bank vs Pibank4.60%$0
CIT Bank vs PNC3.53%$0
CIT Bank vs Presidential Bank4.00%$5,000
CIT Bank vs Quontic Bank3.75%$100
CIT Bank vs Salem Five Direct3.71%$10
CIT Bank vs Sallie Mae Bank3.90%$0
CIT Bank vs Santander Bank0.01%$25
CIT Bank vs SoFi Bank4.30%$0
CIT Bank vs Synchrony Bank3.65%$0
CIT Bank vs TIMBR4.40%$1,000
CIT Bank vs UFB Direct3.71%$5000
CIT Bank vs Upgrade3.05%$0
CIT Bank vs Valley Direct4.10%$1,000
CIT Bank vs Varo Bank5.00%$0
CIT Bank vs Vio Bank4.16%$100
CIT Bank vs Wealthfront4.15%$0
CIT Bank vs Wells Fargo0.05%$25
CIT Bank vs Zynlo Bank4.05%$10
Compare TD Bank's APY of 2.75% with other banks
Bank PairCompetitor APYMin Deposit
TD Bank vs Affirm3.60%$0
TD Bank vs Ally Bank3.30%$0
TD Bank vs American Express3.40%$0
TD Bank vs Axos Bank4.31%$0
TD Bank vs Bank of America0.01%$100
TD Bank vs Barclays4.00%$0
TD Bank vs Bask Bank3.90%$0
TD Bank vs Betterment3.50%$10
TD Bank vs BMO Alto3.25%$0
TD Bank vs Bread Savings4.10%$100
TD Bank vs BrioDirect4.00%$5,000
TD Bank vs Capital One3.40%$0
TD Bank vs Charles Schwab Bank0.15%$0
TD Bank vs Chase Bank0.01%$0
TD Bank vs Chime3.50%$0
TD Bank vs Citibank3.30%$0
TD Bank vs Citizens Access™3.15%$0.01
TD Bank vs Climate First Bank4.21%$50
TD Bank vs Discover Bank3.40%$0
TD Bank vs E*TRADE from Morgan Stanley3.75%$0
TD Bank vs Elevault4.08%$0
TD Bank vs EverBank4.05%$0
TD Bank vs Fitness Bank4.75%$100
TD Bank vs FNBO Direct3.00%$1
TD Bank vs Forbright Bank4.00%$0
TD Bank vs FVCbank3.85%$500
TD Bank vs GO2bank4.50%$0
TD Bank vs Ivy Bank4.25%$2,500
TD Bank vs LendingClub4.20%$0
TD Bank vs Marcus by Goldman Sachs3.65%$0
TD Bank vs Neighbors Bank4.30%$0
TD Bank vs Newtek Bank4.35%$0.01
TD Bank vs Openbank4.20%$500
TD Bank vs Peak Bank4.20%$100
TD Bank vs Pibank4.60%$0
TD Bank vs PNC3.53%$0
TD Bank vs Presidential Bank4.00%$5,000
TD Bank vs Quontic Bank3.75%$100
TD Bank vs Salem Five Direct3.71%$10
TD Bank vs Sallie Mae Bank3.90%$0
TD Bank vs Santander Bank0.01%$25
TD Bank vs SoFi Bank4.30%$0
TD Bank vs Synchrony Bank3.65%$0
TD Bank vs TIMBR4.40%$1,000
TD Bank vs UFB Direct3.71%$5000
TD Bank vs Upgrade3.05%$0
TD Bank vs Valley Direct4.10%$1,000
TD Bank vs Varo Bank5.00%$0
TD Bank vs Vio Bank4.16%$100
TD Bank vs Wealthfront4.15%$0
TD Bank vs Wells Fargo0.05%$25
TD Bank vs Zynlo Bank4.05%$10