Thousands of Americans Are Checking Each Day If They Qualify For This Savings Account Earning 9x The National Average
Thousands of Americans are taking advantage of a new savings account paying well without fees. So we did some research to see what all the fuss is about.

Evelyn Harrison, Savings Analyst • DECEMBER 9, 2025

Americans are still making this mistake.
Savings expert are shocked Americans still have an estimated $1.7 trillion sitting in savings accounts that could be earning way more interest.1
If your bank is paying you 0.01% on your savings account and inflation is 3.5%, you are literally paying the bank to lose money every single day.
Now, if your goal is to have your money work as hard you do, an online high-yield savings account is a safe way to earn a little extra every month.
Many people pay for a vacations or make their mortgage payments just with the interest alone. It’s “free money” that relieves pressure.
The thing is there are thousands of savings account providers in the U.S., more specifically over 4,400 commercial banks and numerous credit unions and online banks.2
It may seem overwhelming to choose, but if you know your goals it shouldn’t be too difficult.
If you’re looking for good customer service and interface, go with one of those online services that work as a division of one the big banks. You can expect a flawless experience but higher fees and higher minimum deposits.
If you want the highest rates possible at the cost of your money not being insured by the FDIC, not-so-good customer experience, or complicated interfaces, you can go with one of those smaller fintech companies.
For the best of both worlds, you can choose something like the CIT Bank Savings Connect Account.
You get a 3.65% APY3 (9x the national average!4) on your money with no monthly fees along with an award-winning platform and customer support.
Everything’s FDIC-Insured, meaning it is backed by the full faith and credit of the U.S. government.
Opening an account is easy and takes 5 minutes. The minimum deposit is just $100 and you always get the 3.65% APY (no need to commit thousands of dollars immediately).
Look:
If you feel like you’re falling behind because of inflation and the cost of living, this is a great way to fight back.
The truth is the big brick-and-mortar banks are co-conspirators who lend you your own money back to you at 7% while paying you crumbs. They prey on people with “maintenance” fees so they can fund their lobbying that forces you into 0.01% accounts.
But CIT Bank is an innovative digital bank with one goal: to help you earn more and grow your savings without fees holding you back.
This is why it is popular among savvy American savers who spend hours and hours researching before making financial decisions.
I’m talking about those smart people who somehow know how to stretch every dollar they can (especially when the economy is bad).
Those who, even when they’re at their lowest and desperate for help to get back on their feet, don’t let big companies take advantage of their vulnerability.
That is the typical CIT Bank customer.
Today, you get to stop missing out and finally get paid the extra cash at the high interest rate you deserve.
The process is straightforward, simple, and secure. All you need is your smartphone and basic information (address, phone, email, and social security number/ITIN) to see if you qualify in 5 minutes.
Click your age below, submit your application, and start getting extra money today:
Select Your Age:
FDIC-Insured, backed by the full faith and credit of the U.S. Government.
© 2025 All Rights Reserved.
Footnotes
- Estimate for illustrative purposes only. Total dollars held by Americans in savings accounts is extrapolated based on results of the Vanguard Savings Study conducted in March 2025 by Reputation Leaders Ltd. ↩︎
- https://www.fdic.gov/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023 ↩︎
- APY is accurate as of November 20, 2025. ↩︎
- Based on comparison to the national average APY on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of November 17, 2025. ↩︎
CIT Bank is a division of First Citizens Bank. First Citizens has a reputation for financial strength, exceptional customer service and prudent lending that spans 125 years. First Citizens Bank and Trust Company (FCB) is a member of the Federal Deposit Insurance Corporation (FDIC). This means your deposits are insured up to $250,000 per depositor, for each account ownership category.
THIS IS AN ADVERTORIAL AND NOT AN ACTUAL NEWS ARTICLE, BLOG, OR CONSUMER PROTECTION UPDATE.