Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Citi Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 5, 2026
Citi's 1 Year Fixed Rate CD rates are at 4.25%, Fixed Rate CD - 1-Year rates are at 4.25%, 7-Month Fixed Rate CD rates are at 4.15%, Fixed Rate CD - 7-Month rates are at 4.15%, 5-Month Fixed Rate CD rates are at 2.50%. Citi's savings rates are at 4.35%. Citi's Personal Loan Rates are as low as 10.24%. Citi's top CD rate of 4.25% APY on a 12 month CD is 40% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Citi with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.82%. Rates last updated and verified on 11/05/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Citi has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.82%
ExcellentLower than avg
Citi Texas Ratio
Citi's Texas Ratio is 2.82%, which is considered excellent and is lower than the national average of 5.85%.
Citi has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.93% to 2.82% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Citi CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
1-Year Fixed Rate CD
4.16%
4.25%
1-Year
$500
Min Deposit$500
Min Balance$0
DetailsFeatured rate; Balance: All balance ranges; Minimum opening balance $500
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Fixed Rate CD - 1-Year
4.16%
4.25%
1-Year
-
DetailsFeatured Rate; Balance: All balance ranges
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 3 times
No change since Oct 26, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Fixed Rate CD - 30-Month
0.50%
0.50%
30-Month
-
DetailsBalance: Below $100,000
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
21 - 30-Month Step Up CD
0.10%
0.15%
21-30 months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
11 - 20-Month Step Up CD
0.10%
0.10%
11-20 months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
14-Month Fixed Rate CD
0.10%
0.10%
14-Month
$500
Min Deposit$500
Min Balance$0
DetailsBalance: All balance ranges; Minimum opening balance $500
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Fixed Rate CD - 14-Month
0.10%
0.10%
14-Month
-
DetailsBalance: All balance ranges
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
10-Month Fixed Rate CD
0.05%
0.05%
10-Month
$500
Min Deposit$500
Min Balance$0
DetailsBalance: All balance ranges; Minimum opening balance $500
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
11-Month Fixed Rate CD
0.05%
0.05%
11-Month
$500
Min Deposit$500
Min Balance$0
DetailsBalance: All balance ranges; Minimum opening balance $500
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
3-Month Fixed Rate CD
0.05%
0.05%
3-Month
$500
Min Deposit$500
Min Balance$0
DetailsBalance: All balance ranges; Minimum opening balance $500
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Fixed Rate CD - 10-Month
0.05%
0.05%
10-Month
-
DetailsBalance: All balance ranges
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Fixed Rate CD - 11-Month
0.05%
0.05%
11-Month
-
DetailsBalance: All balance ranges
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Fixed Rate CD - 3-Month
0.05%
0.05%
3-Month
-
DetailsBalance: All balance ranges
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
No Penalty CD - 12-Month
0.05%
0.05%
12-Month
$500
Min Deposit$500
DetailsApply Now
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Citi Savings Rates
Product
Rate
APY
View More
Savings account Premium Boost
4.26%
4.35%
DetailsCitigold Private Client Relationship Tier (Combined Average Monthly Balance of $1,000,000+); Balance: All balance ranges
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 4.35% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Savings
0.05%
0.05%
Min Balance$0
DetailsEveryday Benefits (Combined Average Monthly Balance $0 - $29,999.99); Balance: All balance ranges; Standard APY and Standard Interest Rate
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Savings
-
0.05%
Min Balance$30,000
DetailsRelationship Tier: Citi Priority; Balance: $30,000 - $199,999.99 Combined average monthly balance; Standard APY
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Savings
-
0.05%
Min Balance$200,000
DetailsRelationship Tier: Citigold; Balance: $200,000 - $999,999.99 Combined average monthly balance; Standard APY
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Savings
-
0.05%
Min Balance$1,000,000
DetailsRelationship Tier: Citigold Private Client; Balance: $1,000,000+ Combined average monthly balance; Standard APY
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Citi Personal Loan Rates
Product
APR
Term
View More
Personal Loan
10.24%
Up to 60 months
DetailsAs Low As; Personal loan rates as low as 10.24% APR, which includes a 0.25% discount for enrolling in automatic payments. Disclosure states APR may be as low as 10.24% or as high as 18.49%. Loan amounts $2,000 to $30,000; up to $50,000 for eligible existing Citi customers.
Last Updated11/05/2026
Rate History
1 change since Sep 18, 2026 · 9.99% → 10.24% ▲ 0.25 pts · high 10.24% / low 9.99%
Oct 14, 202610.24%▲ from 9.99%
Sep 18, 20269.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Citi Other Rates
Product
Rate
Points
APY/APR
Term
View More
Premium Boost
-
-
3.50%
Min Balance$30,000
DetailsRelationship Tier: Citi Priority; Balance: $30,000 - $199,999.99 Combined average monthly balance; With Required Activities: $5,000 in Direct Deposits or other qualifying transactions across your Regular Checking accounts or $25,000 Average Monthly Balance in your EDI Investment Accounts; Requires Regular Checking account
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Premium Boost
-
-
4.00%
Min Balance$200,000
DetailsRelationship Tier: Citigold; Balance: $200,000 - $999,999.99 Combined average monthly balance; With Required Activities: $5,000 in Direct Deposits or other qualifying transactions across your Regular Checking accounts or $25,000 Average Monthly Balance in your EDI Investment Accounts; Requires Regular Checking account
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Premium Boost
-
-
4.35%
Min Balance$1,000,000
DetailsRelationship Tier: Citigold Private Client; Balance: $1,000,000+ Combined average monthly balance; With Required Activities: Own a Regular Checking account
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 4.35% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.82%
Financial Health History
Citi’s Texas Ratio stayed near 2.93% in Q3 2023 to 2.82% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1,976.2B
2.82%
5.0
A+
March 31, 2026
$1,933.6B
3.07%
5.0
A+
December 31, 2025
$1,836.4B
3.05%
5.0
A+
September 30, 2025
$1,844.2B
3.14%
5.0
A+
June 30, 2025
$1,833.9B
2.91%
5.0
A+
March 31, 2025
$1,760.9B
2.74%
5.0
A+
December 31, 2024
$1,696.8B
2.80%
5.0
A+
September 30, 2024
$1,733.1B
2.47%
5.0
A+
June 30, 2024
$1,678.9B
2.56%
5.0
A+
March 31, 2024
$1,698.9B
2.91%
5.0
A+
December 31, 2023
$1,684.7B
3.18%
5.0
A+
September 30, 2023
$1,657.4B
2.93%
5.0
A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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.
Address
5800 S Corporate Pl,
Sioux Falls, SD 57108 · Lincoln
Bank Holding CompanyCITIGROUP INC
FDIC Certificate #7213
RegulatorOCC
EstablishedJune 16, 1812
FDIC Insurance DateJanuary 1, 1934
Domestic Offices667
Total Branches955
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.82%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.0565%
Return on Equity (ROE)
11.6900%
Non-Performing Loans Ratio (NPL)
0.25%
Total Assets
$1,976,180,000,000
Total Deposits
$1,547,586,000,000
Equity Capital
$171,296,000,000
Net Income
$10,118,000,000
Headquarters
Sioux Falls
Total Branches and Offices
953
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Citi earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Citi yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Citi
Frequently Asked Questions About Citi
Does Citi offer CDs?
Yes. Citi current CD rates include its 1 Year Fixed Rate CD at 4.25% APY, its Fixed Rate CD - 1-Year at 4.25% APY and its 7-Month Fixed Rate CD at 4.15% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Citi FDIC insured?
Yes. Citi is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Citi?
The highest Citi CD rate is its 1 Year Fixed Rate CD at 4.25% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Citi offer?
Citi CD rates are 2.50% APY for a 5 month CD, 4.15% APY for a 7 month CD, 4.25% APY for a 12 month CD, 2.00% APY for an 18 month CD, 2.00% APY for a 2 year CD, 2.00% APY for a 3 year CD, 2.00% APY for a 4 year CD and 2.00% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Citi for its full lineup.
What is the highest savings rate at Citi?
The highest Citi savings rate is its Savings account Premium Boost at 4.35% APY, verified by MonitorBankRates as of November 5, 2026.
What is the lowest personal loan rate at Citi?
The lowest Citi personal loan rate is its Personal Loan at 10.24% APR, verified by MonitorBankRates as of November 5, 2026.
How many branches does Citi operate?
Citi currently maintains approximately 955 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Citi does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Citi provides members with tools to manage their accounts and build a solid financial history.
Does Citi offer online and mobile banking?
Most modern institutions like Citi provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.citi.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Citi rates compare?
Citi's top CD rate of 4.25% APY on a 12 month CD is 40% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. Citi's top rates are its 1-Year 1 Year Fixed Rate CD at 4.25% APY, its Savings account Premium Boost at 4.35% APY and its Personal Loan at 10.24% APR, verified by MonitorBankRates on November 5, 2026.
Current Citi Rates
12-Month CD0.05%
18-Month CD2.00%
24-Month CD2.00%
36-Month CD2.00%
48-Month CD2.00%
60-Month CD2.00%
Savings4.35%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
