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Citi Rates & Review August 2026

Item: Citi
Rating: 7703
Author: EOcd

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

Citi's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Citi with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.03%. Rates last updated and verified on 08/29/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.03%

Excellent Lower than avg

Citibank, National Association

5800 S Corporate Pl
Sioux Falls, SD 57108

https://www.citi.com

Citi Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	9.99%
Details Includes a 0.5% discount for enrolling in automatic payments. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. If you are a Citi banking Relationship Tier customer at the time of application, you may be eligible for an APR discount. If multiple relationship-based discounts are available, whether based on a Citi banking Relationship Tier or a qualifying credit card relationship, only the highest discount will apply. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%

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.

Bank Profile & Overview

Institution Name Citi

Bank Holding Company CITIGROUP INC

Address 5800 S Corporate Pl, Sioux Falls, SD 57108 · Lincoln

Website https://www.citi.com

FDIC Certificate # 7213

Established 06/16/1812

FDIC Insurance Date 01/01/1934

Domestic Offices 670

Total Branches 958

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.03%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9129%

Return on Equity (ROE) 9.4000%

Non-Performing Loans (NPL) 0.27%

Total Assets $1,836,436,000,000

Total Deposits $1,465,300,000,000

Equity Capital $176,530,000,000

Net Income $15,178,000,000

Headquarters Sioux Falls

Total Branches and Offices 956

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

EOcd

★★★★★

December 17, 2025

SUhz

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Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About Citi

How many branches does Citi operate?

Citi currently maintains approximately 958 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.