CIT Bank vs Marcus CD Rates (November 2026)

On a 1-year CD, $10,000 earns $40.00 more at Marcus than at CIT Bank. The full term-by-term breakdown is below.

CIT Bank rates checked Nov 7, 2026Marcus rates checked Nov 7, 2026FDIC / FDIC insured

Updated Nov 7, 2026

The verdict: CIT Bank vs Marcus

Marcus pays the higher APY on 7 of the 7 terms both banks offer for a $10,000 deposit. CIT Bank leads on 0.

At the headline 1 year term, Marcus pays 4.40% APY against 4.00% at CIT Bank, a $40.00 difference on $10,000. Each bank's best offer right now: CIT Bank pays up to 4.00% (1 year) and Marcus up to 4.40% (1 year).

The rate is only half the decision. CIT Bank and Marcus charge different penalties if you break the CD early — compared below — and Both are federally insured up to $250,000 per depositor, so safety is equal under the limit.

CIT Bank vs Marcus CD rates by term

Best APY a $10,000 deposit can open at each bank, for every term either bank lists. A dash means the bank has no fundable offer at that term and deposit; we leave it blank rather than guess. "Rel." marks a relationship rate that needs a linked account.

CIT Bank and Marcus CD rates by term for a $10,000 deposit
Term	CIT Bank	Marcus	Better pick
6 months	3.75%	3.95%	Marcus
9 months	–	4.30%	–
11 months	3.90%	–	–
1 year	4.00%	4.40%	Marcus
13 months	3.25%	–	–
18 months	2.75%	4.40%	Marcus
2 years	0.40%	4.40%	Marcus
3 years	0.40%	4.40%	Marcus
4 years	0.50%	4.40%	Marcus
5 years	0.50%	4.40%	Marcus
6 years	–	4.40%	–

Sources: CIT Bank CD rates (checked Nov 7, 2026) and Marcus CD rates (checked Nov 7, 2026).

What $10,000 earns at each bank

Interest over the full term at the rates above, on the 7 terms both banks offer.

Interest earned on $10,000 at CIT Bank vs Marcus, by term
Term	CIT Bank earns	Marcus earns	Difference
6 months	$185.77 at 3.75%	$195.59 at 3.95%	Marcus +$9.81
1 year	$400.00 at 4.00%	$440.00 at 4.40%	Marcus +$40.00
18 months	$415.32 at 2.75%	$667.21 at 4.40%	Marcus +$251.88
2 years	$80.16 at 0.40%	$899.36 at 4.40%	Marcus +$819.20
3 years	$120.48 at 0.40%	$1,378.93 at 4.40%	Marcus +$1,258.45
4 years	$201.51 at 0.50%	$1,879.60 at 4.40%	Marcus +$1,678.10
5 years	$252.51 at 0.50%	$2,402.31 at 4.40%	Marcus +$2,149.79

a 1-year CD earnings by deposit size

Balance tiers mean the APY can change with the deposit. This is what 1 year CDs pay at four deposit sizes.

1 year CD interest at CIT Bank vs Marcus, by deposit size
Deposit	CIT Bank earns	Marcus earns
$1,000	$40.00 at 4.00%	$44.00 at 4.40%
$10,000	$400.00 at 4.00%	$440.00 at 4.40%
$25,000	$1,000.00 at 4.00%	$1,100.00 at 4.40%
$100,000	$4,000.00 at 4.00%	$4,400.00 at 4.40%

A dash means that deposit does not qualify for the bank's 1 year offer (minimum opening deposit or a product cap).

Early withdrawal penalties compared

CIT Bank and Marcus early withdrawal penalties by term
Term	CIT Bank	Marcus
1 year or less	3 months of interest	90 days of interest
More than 1 year to 3 years	6 months of interest	–
More than 3 years	12 months of interest	–
More than 1 year to 5 years	–	180 days of interest
More than 5 years	–	270 days of interest

Example: break a 1-year $10,000 CD after 6 months and CIT Bank charges $98.06 (you keep $10,099.98) while Marcus charges $106.18 (you keep $10,111.45). At CIT Bank the penalty can reach your principal. At Marcus the penalty can reach your principal.

Rules verified against each bank's disclosure (CIT Bank: checked 2026-11-06; Marcus: checked 2026-11-04). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.

More CD comparisons

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CIT Bank vs Marcus CD FAQs

Quick answers comparing CIT Bank and Marcus CDs.

Which pays more, CIT Bank or Marcus?

Marcus pays the higher APY on 7 of the 7 terms both banks offer for a $10,000 deposit. CIT Bank leads on 0. On a 1-year CD, $10,000 earns $400.00 at CIT Bank (4.00%) and $440.00 at Marcus (4.40%). Rates were checked Nov 7, 2026 for CIT Bank and Nov 7, 2026 for Marcus and change often.

How much more does $10,000 earn at Marcus over 1 year?

Marcus pays $40.00 more interest than CIT Bank on a $10,000 1 year CD (4.40% vs 4.00% APY). Bigger deposits widen the gap at the same APY, though balance tiers can change the rate each bank pays.

CIT Bank or Marcus: which is better for a 5-year CD?

CIT Bank pays 0.50% APY and Marcus pays 4.40% APY on a 5-year term, so $10,000 earns $252.51 at CIT Bank and $2,402.31 at Marcus — a $2,149.79 difference. Long terms lock the rate in, so the early withdrawal penalty matters more: CIT Bank charges 3 months of interest and Marcus charges 90 days of interest on that term.

Which has the lower early withdrawal penalty, CIT Bank or Marcus?

On a 1-year CD withdrawn after 6 months, CIT Bank's penalty is $98.06 and Marcus's is $106.18, from rules verified against each bank's disclosure. CIT Bank: 1 year or less: 3 months of interest; More than 1 year to 3 years: 6 months of interest; More than 3 years: 12 months of interest. Marcus: 1 year or less: 90 days of interest; More than 1 year to 5 years: 180 days of interest; More than 5 years: 270 days of interest. Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.

Are CIT Bank and Marcus CDs insured?

First-Citizens Bank & Trust Company (CIT Bank division) is FDIC-insured (certificate #11063) and Goldman Sachs Bank USA is FDIC-insured (certificate #33124). Both cover deposits up to $250,000 per depositor, per institution, per ownership category, so a CD under that limit carries the same federal protection at either.

Are these the best CD rates available?

Not necessarily. The highest 1 year rate among the banks we track is 4.60% at Sallie Mae, versus 4.00% at CIT Bank and 4.40% at Marcus. Check the CD rates by bank directory on the CD calculator page for the full list.

Sources and how we calculate

Rates come from each bank's own rate page (CIT Bank checked Nov 7, 2026, Marcus checked Nov 7, 2026); penalty rules are verified against the banks' disclosures. Earnings grow the deposit at the APY, the same math the bank pages and calculators on this site use. Results are estimates, not an offer from either bank.

Figures last checked on Nov 7, 2026. Read our calculation methodology for data sources and update schedule.