CIT Bank vs Navy Federal Credit Union
CIT Bank is a solid online bank with excellent rates and no monthly fees. How does it compare to Navy Federal Credit Union? Read our comparison chart below.
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| Visit Site | Learn More | |
CIT Bank | Navy Federal Credit Union | |
|---|---|---|
CIT Bank Platinum Savings - | 12-Month EasyStart Certificate - 3.70% APY - | |
Benefits and Features | ||
| Savings | Platinum Savings: 3.75% APY with a balance of $5,000 or more Savings Connect: 3.65% APY Savings Builder up to 1.00% APY with $25,000+ balance or $100 monthly deposit | Share Savings Account: 0.25% APY. $5 minimum deposit. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. |
| CD | Term CDs up to 3.75% APY. $1,000 minimum opening deposit. | Standard Certificate: Up to 3.75% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000. |
| Checking | eChecking: 0.25% APY with $25,000+ balance and 0.10% APY on balances under $25,000 | Free Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts |
| Money Market | ||
| Mobile App | ||
| ATMs | No ATM fees from CIT Bank. Up to $30 in other banks' ATM fees reimbursed per month (for eChecking Account) | 360+ Navy Federal and more than 30,000 CO-OP Network ATMs |
| Customer Service | Mon - Fri: 9 am - 9 pm ET Sat: 10 am - 6 pm ET Sunday: Closed | Phone: 888-842-6328 24/7 customer support Online chat |
| IRA CD | Up to 3.75% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000. | |
| Locations | ||
CreditDonkey® Reviews | ||
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| Money Market | | |
| Mobile App | | |
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| Fees | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Solid online bank with excellent rates and no monthly fees... | Savings account with low APY, best for military personnel... |
| Visit Site | Learn More | |
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: For complete list of account details and fees, see our Personal Account disclosures. Navy Federal Credit Union: Pricing information from published website as of 12/30/2025 based on 91107 zip code. | ||
CIT Bank Platinum Savings - $300 Bonus
- Qualify for a $300 cash bonus with a minimum deposit of $50,000
- This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
Overview
Disclosures
CIT Bank Platinum Savings - $225 Bonus
- Qualify for a $225 cash bonus with a minimum deposit of $25,000
- This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
Disclosures
CIT Bank Platinum Savings - 3.75% APY
- 3.75% 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
Disclosures
Which is Better: CIT Bank or Navy Federal Credit Union?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing CIT Bank or UFB Direct.
In short: CIT Bank's savings is outstanding.
Articles on CIT Bank
CIT Bank Review
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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.
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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.
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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 Bank PS2025
The current CIT Bank promo code is PS2025 , which lets eligible customers earn up to $300 bonus when opening a Platinum Savings account.
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.
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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.
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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
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Forgot your CIT Bank username? We'll show you how to login your online bank account.
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Want to transfer money in or out of your CIT Bank account? Read this review to find your ABA routing number.
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