Earn 4.1% APY on This Savings Account!

03/13/26 - Friday

March 13, 2026

Hey, it's Jen.

CIT Bank just launched an APY boost on their Platinum Savings account, and I'm genuinely excited about it.

For the next 6 months, you can earn 4.10% APY on balances over $5,000.

To put this in perspective: the national average savings account rate right now is just 0.39% APY.

Most traditional banks pay you next to nothing. Even the best high-yield savings accounts are around 4.00% APY. So 4.10%? That's genuinely competitive.

🚨 Why Your Emergency Fund Matters

I learned this the hard way. In 2019, I lost my job when I was seven months pregnant.

It was terrifying. But our emergency fund saved us. That money gave us breathing room until I could give birth and start freelance work.

Your emergency fund isn't just money sitting in an account.

It's your safety net and peace of mind. If it's going to sit there waiting for an emergency, it should at least be earning real interest.

âš¡Here's How the Boost Works

What is an APY boost? It's a promotional interest rate that's higher than the standard rate for a limited time. CIT is offering this boost for 6 months to new customers.

With the 6-month boost:

  • 4.10% APY on balances over $5,000

  • 0.60% APY on balances under $5,000

After the boost ends:

  • 3.75% APY on balances over $5,000

  • 0.25% APY on balances under $5,000

The details:

  • Use promo code: CITBoost (required to qualify)

  • $100 minimum to open

  • No monthly service fees

  • No account opening fees

🌟 Why This Matters

Quick math: If you have $10,000 in a traditional savings account earning 0.39% APY, you'd earn about $39 in a year.

That same $10,000 in CIT's Platinum Savings with the boost for 6 months, then 3.75% for the remaining 6 months, would earn you approximately $395 in the first year.

That's $356 more just for moving your money to an account that actually pays you. **

Already Have a CIT Platinum Account?

Check out Raisin to compare other high-yield savings accounts. Raisin lets you browse rates from multiple FDIC-insured banks in one place. **

Don't let your emergency fund earn pennies. This offer ends April 13, 2026.

💗
Jen +Jill

**Means this is a sponsored or affiliate section. We may earn a small fee or commission when you choose to try one of our sponsor or affiliate partners. But opinions are still 1000% our own.