CIT Bank vs Ally

CIT Bank 12-Month CD pays 4.90% APY vs. Ally 12-Month CD's 4.60%. CIT Bank 12-Month CD wins on rate; Ally 12-Month CD carries a stronger brand reputation.

Option A

CIT Bank

4.00%

APY

Min: $1000
Fee: $0/mo
FDIC: Yes

Best for: rate-maximizing savers

Open with CIT Bank →

Option B

Ally

4.15%

APY

Min: $0
Fee: $0/mo
FDIC: Yes

Best for: people starting with smaller balances

Open with Ally →

How this comparison was built

Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 5/7/2026.

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