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UFB Direct vs CIT Bank

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to CIT Bank? Read our comparison chart below.

UFB Direct specializes in online savings accounts with competitive APYs. The UFB Savings has no monthly fees and comes with a complimentary ATM card, while the UFB Money Market has balance requirements but offers check-writing privileges.

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

 
Member FDIC
CIT Bank
Member FDIC
 Learn MoreVisit Site
 

UFB Direct

CIT Bank

SPECIAL OFFER
UFB Freedom Checking - 2.00% APY - Learn More

Read UFB Direct Review

SPECIAL OFFER
CIT Bank Platinum Savings - Learn More

Read CIT Bank Review

 

Benefits and Features

Savings
Up to 3.26% APY
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
N/A
Term CDs up to 3.75% APY. $1,000 minimum opening deposit.
Checking
N/A
 
Money Market
Up to 3.26% APY
1.55% APY
Mobile App
iOS & Android
iOS & Android
ATMsFree withdrawals at 91,000 ATMs across the nation 
Customer Service
Mon - Fri: 8 am - 5 pm PT
Mon - Fri: 9 am - 9 pm ET
Sat: 10 am - 6 pm ET
Sunday: Closed
Locations
Online only
Online Only
 

CreditDonkey® Reviews

 CIT Bank
SavingsStarStarStarStarStar
Money MarketStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf Star
Customer ServiceStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • Competitive APYs
  • Easy online banking
Cons:
  • Limited transactions
  • No physical locations
Bottom LineSafe digital bank for high APYs on personal savings and MMAs... Read full review Read full review
 Learn MoreVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

UFB Direct: Pricing information from published website as of 04/28/2026.

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

CIT Bank
Member FDIC

CIT Bank Platinum Savings - 4.10% APY Boost

Get APY Boost Promotion
Expires 5/31/2026
With 6 month boost, you earn:
Tier Boost APY
Balance over $5,000 4.10%*
Balance less than $5,000 0.60%*

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: CITBoost
  • Boost lasts 6 months over standard APY
  • Tiered account
  • $100 minimum account opening
  • Member FDIC
  • No Monthly Service fees
  • No account opening fees
Disclosures
CIT Bank
Member FDIC

CIT Bank Platinum Savings - 3.75% APY

Learn More
  • 3.75% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
Disclosures
CIT Bank
Member FDIC

CIT Bank Savings Connect - 3.65% APY

Learn More
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
Disclosures

Which is Better: UFB Direct 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 UFB Direct or Western Alliance Bank.

Articles on UFB Direct

UFB Direct Review

UFB Direct offers high interest rates. But is it a safe choice? Find out in this review.

UFB Direct Savings vs Money Market

UFB Direct offers high APYs on savings and money market accounts. Find out which one suits your financial needs best. Get a higher rate today.

Articles on CIT Bank

CIT Bank CD Rates Review

CIT Bank offers a high interest rate. But how reliable is this online bank? Read this review to find out if what you heard is true.

CIT Bank CD Rates

CIT Bank is a well-known online bank with high savings interest rates. Find out how CIT Bank's CD rates compares to other trustworthy banks.

Who is CIT Bank

CIT Bank offers accounts with high interest rates and low fees. But just who is CIT Bank? And should you trust them with your money?

CIT Bank Platinum Savings vs Savings Connect

CIT Platinum Savings is CIT Bank's newest savings account. It advertises a higher APY. Check out how it compares to Savings Connect. Get a higher rate now.

CIT Bank Complaints

CIT Bank offers a high APY. But there are some downsides, too. Read on to learn more about CIT Bank common complaints and possible solutions.

CIT Bank Locations

CIT Bank is an online bank that offers a variety of savings products. Find out how to manage your account, reach customer service, and the bank's current offers.

CIT Platinum Savings

CIT Platinum Savings Account boasts a higher APY than its other savings accounts. But there's a catch. Read on to learn how to get the highest APY.

CIT Bank No Penalty CD

CIT Bank offers a CD account that has no penalty for early withdrawal. Read on to learn about the APY and any requirements or fees that come with it.

CIT Bank High Yield Savings Review

CIT Bank savings accounts offer some of the highest APYs with minimal requirements. Read on to learn how CIT can help you grow your money.

What is CIT Bank

In the modern world, there are some things you just don't have to do anymore. Like drawing water from a well. Or paying fees just to keep your bank account open.

CIT Bank Login

Forgot your CIT Bank username? We'll show you how to login your online bank account.

CIT Bank Routing Number

Want to transfer money in or out of your CIT Bank account? Read this review to find your ABA routing number.

Which Do You Think is Best?

Which Bank Account is Right for You?

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About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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