CIT Bank vs Synchrony
CIT 11-Month No-Penalty CD pays 4.90% APY; Synchrony 18-Month CD pays 4.85%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
CIT Bank
4.00%
APY
- Min
- $1000
- Fee
- $0/mo
- FDIC
- Yes
Best for: Competitive rate with easy online access
Open with CIT Bank →Option B
Synchrony
4.35%
APY
- Min
- $0
- Fee
- $0/mo
- FDIC
- Yes
Best for: people starting with smaller balances
Open with Synchrony →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.