Huntington Bank vs CIT Bank

Huntington is a midwest bank with great account benefits and free checking option. How does it compare to CIT Bank? Read our comparison chart below.

Huntington has nearly 1,000 branches throughout the Midwest. It offers a few checking and savings options. Minimum requirements are high on interest-bearing accounts, though it has a free checking option.

While CIT Bank is an online division of First Citizens Bank. It's known for high interest rates on its savings accounts and CDs. All accounts have no monthly service fees.

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

	Huntington Bank	CIT Bank
	Member FDIC	Member FDIC
	Learn More	Visit Site
	SPECIAL OFFER Business Checking Account - $1,000 Bonus - Learn More Read Huntington Review	SPECIAL OFFER CIT Bank Platinum Savings - Up to 4.25% APY Boost - Learn More Read CIT Bank Review
	Benefits and Features
Savings	0.01% APY (Premier Savings). $4 monthly fee, unless you have 1) daily average balance of $300, or 2) linked to a Huntington Asterisk-Free Checking Account. Minimum deposit of $50.	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
CD	0.25% APY for amounts ranging from $1,000 to $99,999.99. Minimum deposit is $1,000.	Term CDs up to 4.00% APY. $1,000 minimum opening deposit.
Checking	Asterisk-Free Checking: No minimum balance and no monthly maintenance fees Huntington Perks Checking: 5 non-Huntington ATM withdrawals per month Huntington Platinum Perks Checking: Unlimited non-Huntington ATM withdrawals
Money Market	0.05% APY for amounts of $25,000 to $2,000,000. $25 monthly maintenance fee unless there is 1) average daily balance of $25,000, or 2) linked to a Huntington Perks or Huntington Platinum Perks Checking account.	1.55% APY
Mobile App		iOS & Android
ATMs	over 1,600 ATMs
Customer Service	24/7	Mon - Fri: 9 am - 9 pm ET Sat: 10 am - 6 pm ET Sunday: Closed
Locations	nearly 1,000 branches	Online Only
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Free checking option 24-Hour Grace All day deposit Cons: Limited branches Low savings APY
Bottom Line	Midwest bank with great account benefits and free checking option... Read full review	Read full review
	Learn More	Visit Site
	Business Checking Account - $1,000 Bonus Business Checking Account - $400 Bonus Personal Checking Account - $600 Bonus	CIT Bank Platinum Savings - Up to 4.25% APY Boost CIT Bank Savings Connect CIT Bank No Penalty CD - 3.90% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Huntington: Pricing information from published website as of 10/15/2026 based on 43215 zip code. CIT Bank: For complete list of account details and fees, see our Personal Account disclosures.

Member FDIC

CIT Bank Platinum Savings - Up to 4.25% APY Boost

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Expires 12/15/2026

With 6 month boost, you earn:

Tier	Boost APY
Balance over $5,000	4.25%*
Balance less than $5,000	0.75%*

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

Needs to use promo code to qualify: Boost50
Boost lasts 6 months over standard APY
Tiered account
$100 minimum account opening
Member FDIC
No Monthly Service fees
No account opening fees

Disclosures

Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.

Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.50% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.

The Promotion begins on September 29, 2026, and ends December 15, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.

The promotion can end at any time without notice.

New CIT Bank Customers: This Platinum Savings APY Boost promotion offer is valid for New CIT Bank customers, who, at account opening, do not have a valid CIT Bank User ID (a "New Customer") or any open CIT Bank accounts provided that the following requirements are met:

New customers must open a Platinum Savings account with a valid Promo Code, Boost50. The Platinum Savings APY Boost Promo Code will appear on the online account opening enrollment web page. The Promo Code must be used at the time of account opening. Accounts opened during the program period without the Promo Code are ineligible to receive the APY boost.
The enrolled Platinum Savings account must be open to receive the APY boost during the promotional period.

CIT Bank Customers with an account prior to the promotion: This Platinum Savings APY Boost promotion is valid for a Primary account owner with an existing account with a CIT Bank User ID before the start of the promotion, provided that the following requirements are met:

Customers without a Platinum Savings account open prior to the Promotion must open a new Platinum Savings account via the enrollment web page using Promo Code Boost50.
Customers with a Platinum Savings account opened prior to the promotion may enroll their current Platinum Savings account into the Platinum Savings Boost promotion via the enrollment web page using Promo Code Boost50.
Customers who are not the Primary account owner on a Platinum Savings account may open a new Platinum Savings account as the primary account owner via the enrollment web page using Promo Code Boost50.
Accounts opened or enrolled during the program period without the Promo Code are ineligible to receive the APY boost.

There is a limit of one Platinum Savings APY Boost promotional offer per account and per Primary customer. If multiple Platinum Savings accounts are opened, only one account per primary account owner is eligible.

There is no minimum account balance requirement to participate in the Platinum Savings APY Boost promotion.

Additional Important Terms

The Platinum Savings APY Boost promotion may not be combined with other promotions.
Customers are ineligible to participate in the Platinum Savings APY Boost promotion if:
- They are earning an APY over the standard rate.
- They participated in a previous APY Boost promotion.
- They participated in a cash bonus promotion in the past 6 months.
Custodial accounts and accounts in the name of a Trust are not eligible.
This offer is non-transferable.

The value of Platinum Saving Boost will be reported as interest income on IRS Form 1099-INT for the calendar year in which it was paid. The recipient is responsible for any applicable taxes.

For complete list of account details and fees, see our Personal Account disclosures.

Member FDIC

CIT Bank Savings Connect - 3.65% APY

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$100 minimum opening deposit
No monthly maintenance fee
Member FDIC

Disclosures

Member FDIC

CIT Bank No Penalty CD - 3.90% APY

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Option to withdraw full balance and interest after 7 days of CD funding date
$1,000 minimum to open an account
11 months
No monthly maintenance fee
Member FDIC

Disclosures

Which is Better: Huntington or CIT Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Huntington or Bank of America.

Articles on Huntington Bank

Huntington Bank Review

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Huntington vs Bank of America

Huntington Bank Savings Account Interest Rates

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Huntington Bank CD Rates

What's the Huntington Bank CD promotional rate? Read this review to find out if the APY is worth your time.

Huntington Bank Money Market Rates

Huntington Bank Relationship Money Market Account lets you earn interest on your savings. Find out if the APY is worth your time below.

Huntington Bank Hours

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Huntington Bank Routing Number

You'll need the right routing number to transfer money in or out of your Huntington bank account. Learn which routing number you'll need for different transactions below.

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CIT Bank No Penalty CD Review

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What is CIT Bank

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