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 | Free Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts | |
| Money Market | ||
| Mobile App | ||
| ATMs | 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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| Savings |  |  |
| Checking |  | |
| Money Market | | |
| Mobile App | | |
| Customer Service | | |
| 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 - 4.10% APY Boost
- Needs to use promo code to qualify: CITBoost
- Boost lasts 6 months over standard APY
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
With 6 month boost, you earn:
| Tier | Boost APY |
|---|---|
| Balance over $5,000 | 4.10%* |
| Balance less than $5,000 | 0.60%* |
After boost is completed, you will continue to earn our best standard rates:
| Tier | APY |
|---|---|
| Balance over $5,000 | 3.75%1 |
| Balance less than $5,000 | 0.25%1 |
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
CIT Bank Savings Connect - 3.65% APY
- $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.
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