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CIT Bank vs Moomoo

CIT Bank is a solid online bank with excellent rates and no monthly fees. How does it compare to Moomoo? Read our comparison chart below.

CIT Bank is an online division of First Citizens Bank. It's known for high interest rates on its savings accounts and CDs. In addition, it offers an eChecking account. All accounts have no monthly service fees.

While Moomoo lets you invest in US-listed stocks, options, and ETFs with $0 commission. Its award-winning investment app has no platform fees, inactivity fees, or minimum investment requirements. It provides access to Hong Kong and Chinese investments and has extended trading hours.

Compare CIT Bank with Moomoo, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 CIT Bank
Member FDIC
Moomoo
 Visit SiteVisit Site
 

CIT Bank

Moomoo

SPECIAL OFFER
CIT Bank Platinum Savings - Learn More

Read CIT Bank Review

SPECIAL OFFER
Deposit $5,000 and Get 60 Free Stocks plus 8.1% APY on uninvested cash - Learn More

Read Moomoo Review

 

Benefits and Features

SavingsPlatinum Savings: 4.10% APY with a balance of $5,000 or more
Savings Connect: 4.00% APY
Savings Builder up to 1.00% APY with $25,000+ balance or $100 monthly deposit		 
Stock Trading $0 commission on US stocks and ETFs
Options Trading $0 for US Options;
$0.50 per contract for Index Options
CDTerm CDs up to 3.50% APY. $1,000 minimum opening deposit. 
CheckingeChecking: 0.25% APY with $25,000+ balance and 0.10% APY on balances under $25,000 
Mutual Fund Trading 
No
Money Market
1.55% APY
 
Banking 
No
Mobile App
iOS & Android
Yes
Forex Trading 
No
Futures Trading 
No
Customer ServiceMon - Fri: 9 am - 9 pm ET
Sat: 10 am - 6 pm ET
Sunday: Closed
Live Chat (24 hours);
Phone: +1-888-721-0610 (Trading day: 08:30AM - 04:30PM EST);
Email: cs@us.moomoo.com
Locations
Online Only
Online only
 

CreditDonkey® Reviews

 CIT BankMoomoo
SavingsStarStarStarStarStar
CheckingStarStarStarStarHalf Star
Money MarketStarStarStarStarHalf Star
Mobile AppStarStarStarStarEmpty StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Stock TradingStarStarStarStarStar
Options TradingStarStarStarStarStar
Minimum DepositStarStarStarStarStar
Commissions and FeesStarStarStarStarStar
Ease of UseStarStarStarStarEmpty Star
ResearchStarStarStarStarEmpty Star
Pros & ConsPros:
  • High savings APY
  • No monthly fees
  • Low opening deposits
Cons:
  • No check writing
Pros:
  • Commission-free trading
  • Free paper trading
  • Access to Hong Kong and Chinese investments
Cons:
  • May be overwhelming for beginners
  • No forex, bonds, mutual funds, or crypto
Bottom LineSolid online bank with excellent rates and no monthly fees... Read full reviewLow-cost way to trade US, HK, and Chinese assets with advanced research tools... Read full review
 Visit SiteVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

CIT Bank: Pricing information and data points from published website as of 05/09/2025.

Moomoo: Pricing information from published website as of 05/03/2024.

CIT Bank
Member FDIC

CIT Bank Platinum Savings - 4.10% APY

Learn More
  • 4.10% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
CIT Bank
Member FDIC

CIT Bank Savings Connect - 4.00% APY

Learn More
  • Earn 9x the national average
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
CIT Bank
Member FDIC

CIT Bank Term CDs - Up to 3.50% APY

Learn More
  • Up to 3.50% APY
  • $1,000 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC

TermCD Rates
6 Month3.00% APY
1 Year0.30% APY
13 Month3.50% APY
18 Month3.00% APY
2 Year0.40% APY
3 Year0.40% APY
4 Year0.50% APY
5 Year0.50% APY
Moomoo

Deposit $5,000 and Get 60 Free Stocks plus 8.1% APY on uninvested cash

Enroll in Cash Sweep to enjoy 4.1% APY base rate plus 4.0% APY booster for the first 3 months on up to $20k after opening your account

Make a net deposit of $5,000 or more to receive 60 draws, each for a free stock worth $2 - $2,000 each. Maintain average assets totaling $5,000 or more for 60 days to unlock the free stocks. Terms and conditions apply.

Get Deal
Expires in 2 days
Moomoo

Deposit $2,000 and Get 25 Free Stocks plus 8.1% APY on uninvested cash

Enroll in Cash Sweep to enjoy 4.1% APY base rate plus 4.0% APY booster for the first 3 months on up to $20k after opening your account

Make a net deposit of $2,000 or more to receive 25 draws, each for a free stock worth $2 - $2,000 each. Maintain average assets totaling $2,000 or more for 25 days to unlock the free stocks. Terms and conditions apply.

Get Deal
Expires in 2 days
Moomoo

Deposit $100 and Get 5 Free Stocks plus 8.1% APY on uninvested cash

Enroll in Cash Sweep to enjoy 4.1% APY base rate plus 4.0% APY booster for the first 3 months on up to $20k after opening your account

Make a net deposit of $100 or more to receive 5 draws, each for a free stock worth $2 - $2,000 each. Maintain average assets totaling $100 or more for 25 days to unlock the free stocks. Terms and conditions apply.

Get Deal
Expires in 2 days

Which is Better: CIT Bank or Moomoo?

In short: CIT Bank's customer service is notable.

Articles on CIT Bank

CIT Bank CD Rates Review

CIT Bank offers a high interest rate. But how reliable is this online bank? Read this review to find out if what you heard is true.

CIT Bank CD Rates

CIT Bank is a well-known online bank with high savings interest rates. Find out how CIT Bank's CD rates compares to other trustworthy banks.

Who is CIT Bank

CIT Bank offers accounts with high interest rates and low fees. But just who is CIT Bank? And should you trust them with your money?

CIT Bank Platinum Savings vs Savings Connect

CIT Platinum Savings is CIT Bank's newest savings account. It advertises a higher APY. Check out how it compares to Savings Connect. Get a higher rate now.

CIT Bank Complaints

CIT Bank offers a high APY. But there are some downsides, too. Read on to learn more about CIT Bank common complaints and possible solutions.

CIT Bank Locations

CIT Bank is an online bank that offers a variety of savings products. Find out how to manage your account, reach customer service, and the bank's current offers.

CIT Platinum Savings

CIT Platinum Savings Account boasts a higher APY than its other savings accounts. But there's a catch. Read on to learn how to get the highest APY.

CIT Bank No Penalty CD

CIT Bank offers a CD account that has no penalty for early withdrawal. Read on to learn about the APY and any requirements or fees that come with it.

CIT Bank High Yield Savings

CIT Bank savings accounts offer some of the highest APYs with minimal requirements. Read on to learn how CIT can help you grow your money.

What is CIT Bank

In the modern world, there are some things you just don't have to do anymore. Like drawing water from a well. Or paying fees just to keep your bank account open.

CIT Bank Login

Forgot your CIT Bank username? We'll show you how to login your online bank account.

CIT Bank Routing Number

Want to transfer money in or out of your CIT Bank account? Read this review to find your ABA routing number.

Articles on Moomoo

Moomoo Review

Moomoo can help you invest your money in U.S. and international markets. But will it suit the way you like to trade?

Which Do You Think is Best?




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