If it's what I'm thinking of, there is a fairly high minimum required account balance ($5k) or else you get nothing. So you can trade off between e.g. SoFi at 4.4% but no minimum vs. CIT at 4.9% with $5k min. If you don't risk needing the money inside the timeline of the CD, CIT's better. There are referrals for SoFi just for opening accounts though, so that could swing it the other way depending how much you're putting in.