* APY — Annual Percentage Yield is
accurate as of December 18, 2015. CDs may be
subject to an early withdrawal penalty, which may reduce
** Effective June
1, 2015, all new or renewed RampUp™ and RampUp™ Plus
CDs will be subject to a rate cap that will limit the optional increase of
the initial APY to twice the amount of the initial APY, less
† CIT Bank, N.A. and OneWest Bank, a division of CIT Bank, N.A. are the same FDIC-insured institution. Deposits held under each name are not separately insured, but are combined to determine whether a depositor has exceeded the $250,000 federal deposit insurance limit, per depositor for each account ownership category. For purposes of calculating aggregate deposits held in CIT Bank, N.A., you should include deposits held in OneWest Bank, a division of CIT Bank, N.A.
The maximum deposit to RampUp™ accounts with an original maturity of more than two years is $250,000.