• Grow your savings faster
    Hit your goals in record time.

    Limited-time offer. Guaranteed for 12 months on a Premium Money Market Account. Conditions apply. More details below.

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  • Who We Are
    Your neigborhood. Your bank.

    OneWest Bank, a division of CIT Bank, N.A. offers local communities a full array of deposit and lending solutions for consumers and small businesses – both in-person and online.

    • Over 60 retail branches from San Diego to Ventura County
    • Backed by CIT Group Inc. (NYSE: CIT) with the strength of over $50 billion in assets
    • Member of FDIC. Equal Housing Lender
    • 2019 Gold Stevie Award for Sales & Customer Service in the financial service industries category
    • Recognized by Money Magazine as the “Best Bank, California” 2 years in a row**

    We are proud to be a growing presence service Southern California, supporting the day-to-day financial lives of our customers confidentially and securely.

  • Offer Disclosures

    *Limited-time offer of promotional interest rate tiers of 2.10% Annual Percentage Yield (“APY”) for account balances of $10,000 - $249,999, and 2.25% APY for account balances of $250,000 - $5,000,000 in new Premium Money Market Accounts (“PMMAs”). The promotional interest rate tiers will apply to PMMAs opened under this offer for the first 12 months after the account is opened (the “Promotional Period”), provided the following requirements are met:

    1. The new PMMA is opened with a minimum of $10,000 not on deposit or held at OneWest Bank, a division of CIT Bank, N.A. (“OneWest Bank”) or CITBank.com (“CIT”) at the time of account opening. Funds withdrawn from OneWest Bank or CIT within 90 days prior to account opening are also restricted.
    2. A principal balance of between $10,000 and $5,000,000 is maintained in the subject PMMA each day during the Promotional Period. The principal balance is defined as the end-of-day PMMA account balance, exclusive of any interest earned.

    Promotion may end at any time without notice. The APYs of the promotional interest rate tiers are accurate as of March 7, 2019, and are subject to change without notice. Only one promotional PMMA can be opened per customer within a 12-month period. Customers with retirement accounts, minor accounts, and employees of CIT Group Inc. or any of its affiliates, including CIT Bank, N.A. and its OneWest Bank division, are ineligible for this offer. The PMMA is a personal account only and cannot be opened in the name of a business.

    The promotional interest rate tiers will be apply to your qualified PMMA each of the first twelve months the account is open, after confirmation each day that your PMMA principal balance is between $10,000 and $5,000,000. If the end-of-day PMMA account balance falls below $10,000 or exceeds $5,115,000 (which includes the additional interest on a $5,000,000 principal balance earned over one year at 2.25% APY), the interest rate and APY will revert to the then-current regular published interest rate and APY for the applicable regular published balance tier. The promotional rate tiers will be reinstated on the day after the PMMA end-of-day account balance again falls within the balance range stated in the previous sentence.

    After the end of the Promotional Period, the PMMA will revert to the then-current regular published rates for all regular published balance tiers. Current published APYs, effective as of March 7, 2019, are: 0.15% APY on balances below $1,000; 0.15% APY on balances of $1,000 - $4,999; 0.15% APY on balances of $5,000 - $9,999; 0.25% APY on balances of $10,000 - $24,999; 0.40% APY on balances of $25,000 - $49,999; 0.50% APY on balances of $50,000 - $99,999; 0.60% APY on balances of $100,000 - $9,999,999; and 0.60% APY on balances of $10,000,000 or more. APYs applicable after the end of the Promotional Period, and on PMMAs that are not eligible for this promotion or which become ineligible because the principal balance falls outside of the specified range, are variable and may change at any time without prior notice. Fees could reduce earnings on the account. A monthly service fee of $10 will apply for the PMMA if the average monthly balance falls below $10,000. Contact a banking office for complete terms, fees, and conditions.

    Restriction on deposits: For the duration of the Promotional Period, you may not deposit or transfer to your PMMA any funds that are on deposit or held at OneWest Bank or CIT. OneWest Bank reserves the right to reverse any deposits it determines violate this restriction.

    **From MONEY Magazine ©2017 Meredith Corporation. All rights reserved. MONEY® is a registered trademark of Meredith Corporation and is used under license. MONEY and Meredith Corporation are not affiliated with, and do not endorse products or services of, OneWest Bank.