CIT Bank Platinum Savings Account: Save More, Earn More

• Receive 4.10%* APY on balances over $5,000

• Receive a 0.60%* APY with balances less than $5,000

• Earn 10x** the national average

• Tiered account

• $100 minimum account opening

• Member FDIC

• No Monthly Service fees

• No account opening fees

*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 0.35% 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 February 13, 2026, and ends August 31, 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.

**Based on comparison to the national average Annual Percentage Yield (APY) on savings
accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17,
2026.

For complete list of account details and fees, see our Personal Account disclosures. Shop Now at CIT Bank