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Citi Rates & Review March 2026

You can compare Citi rates to other rates in our database, including 12-month CD rates currently at 0.11%, 6-month CD rates at 2.02% and 3-month CD rates at 0.03%. Savings rates are at 0.10% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.15%. All these rates can be compared to Citi rates. 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 were last updated on 03/28/2026.

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
Citi
5800 S Corporate Pl
Sioux Falls, SD 57108
https://www.citi.com
Member FDIC

Citi Mortgage Rates

Product Rate Points APR Term View More
Checking Plus (variable rate) line of credit - - 18.75%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.03%

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
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 Offices 956
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

EOcd
★★★★★
December 17, 2025
SUhz
Average Rating
★★★★★
Total Reviews
1
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Frequently Asked Questions About Citi

Is Citi a safe place to deposit money?

Yes, Citi is considered a safe financial institution. With a Texas Ratio of 3.0269078446762%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

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.