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Citi Rates & Review March 2026

Item: Citi
Rating: 7703
Author: EOcd

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 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

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%

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 Offices 956

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

EOcd

★★★★★

December 17, 2025

SUhz

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Citi

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.