Latest Citibank Interest Rates - September 2026

Citibank Interest Rates & Loan Products Overview

Quick Summary: Official interest rates and retail banking products offered by Citibank, N.A. (CITI) across the United States:

Key Benchmark & Deposit Rates:

• Reference Prime Rate: Stands at 6.75%, serving as the benchmark index for credit cards, home equity lines of credit, and floating personal financing.
• Savings & CDs: Standard Citibank Savings accounts earn a base 0.03% APY (high-yield Citi Accelerate Savings is available in select non-branch markets). Fixed-rate CDs yield 0.05% APY for standard short terms (3–6 months), while featured 1-Year Fixed CDs offer yields up to 2.00% APY.

Consumer Loans & Retail Financing:

• Mortgage Loans: Standard 30-Year Fixed purchase loans start from 6.500% (approx. 6.612% APR), alongside 15-Year Fixed and ARM options with maximum terms up to 30 years and no prepayment penalties. Citi also features the HomeRun mortgage program with down payments as low as 3% and zero mortgage insurance requirements.
• Personal Loans: Unsecured installment loans offer fixed APRs ranging from 9.99% to 20.49% for borrowing amounts up to $30,000–$50,000 with terms up to 60 months (including a 0.50% discount for automatic payments).
• Auto Financing: Citibank does not offer direct consumer auto loans.
• Credit Cards: Core consumer credit cards (e.g., Citi Double Cash Card) feature introductory 0% APR offers on balance transfers, followed by a variable purchase APR of 18.24% to 28.24% with a 25-day grace period.

💡 Financial Tip: Citibank CD yields and savings rates may differ depending on whether an account is linked to an eligible Relationship Tier (Citi Priority, Citigold, or Citigold Private Client). Verify your local ZIP code on Citi.com before applying.