CIT Bank Savings Connect (4.65% APY)

CIT Bank Savings Connect account offers 4.65% APY — one of the top 3 rates available — but with a meaningful condition: it requires either a $100 minimum opening deposit or a linked CIT checking account. CIT is a division of First Citizens BancShares (FDIC insured, $220 billion in assets) and has operated online savings products since 2012 with a reliable track record of near-market-leading rates. The savings product is straightforward with no monthly fees and no rate tiers. The app receives mixed reviews (3.9 stars vs Ally and Marcus at 4.6-4.7) but is functional for standard transfers. Best suited for: customers who already have a checking relationship elsewhere and want to maximize returns on a separate savings account.