What are the current interest rates at Citi?

Current rates for Citi include: Savings: 0.17%

Citi Rates and Review February 2026

Q: Is Citi a safe place to deposit money?

Yes, Citi is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.

Content reviewed by

Brian McKay

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Citi Deposit Rates

Citi's savings rates are at 0.17%. You can compare Citi rates to other rates in our database, including 12-month CD rates currently at 3.04%, 6-month CD rates at 2.50% and 3-month CD rates at 0.15%. Savings rates are at 0.70% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates, and more, can be found in our database of rates which you can compare to Citi rates.

Citi

Rate Updates and Availability

Citi money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citi? Share your experience about Citi by leaving a review below, or read customer reviews before you decide to use Citi.

Citi Texas Ratio

Citi's Texas Ratio is at 3.30%, which is considered excellent. The Texas Ratio for Citi is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

Citi has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Overall, Citi is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

N/A

2.38%

18-Month CD

N/A

2.14%

24-Month CD

N/A

2.17%

36-Month CD

N/A

2.11%

48-Month CD

N/A

2.10%

60-Month CD

N/A

2.23%

Savings

0.17%

0.60%

MMA

N/A

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Citi

5800 S Corporate Pl
Sioux Falls, SD 57108

https://www.citi.com

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

🏆

Banks:
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Citi Savings Rates

Product	Rate	APY
Savings Account within gold® Private Client	-	0.98%
Min Balance$25,000 Last Updated 02/12/2026
Savings Account within gold®	-	0.96%
Min Balance$25,000 Last Updated 02/12/2026
Savings Account within Priority	-	0.94%
Min Balance$25,000 Last Updated 02/12/2026
Savings Account	-	0.91%
Min Balance$25,000 Last Updated 02/12/2026
Savings Account within gold® Private Client	-	0.25%
Min Balance$0 Last Updated 02/12/2026
Savings Account within gold®	-	0.22%
Min Balance$0 Last Updated 02/12/2026
Savings Account within Priority	-	0.19%
Min Balance$0 Last Updated 02/12/2026
Savings Account	-	0.17%
Min Balance$0 Last Updated 02/12/2026

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citi is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citi rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citi's official website for the most current offers and terms.