List of 38 Kenyan Banks with Their Loan & Deposit Interest Rates

The Central Bank of Kenya (CBK) has released the latest data on average lending and deposit interest rates across the country’s 38 commercial banks for November 2025, highlighting significant variations in borrowing and saving costs. The figures, published in a notice in The Standard on Wednesday, October 31, reflect the prevailing market conditions before the most recent monetary policy adjustment. Citibank Kenya emerged as the most affordable lender, offering the lowest average lending rate of 10.01%, making it an attractive option for creditworthy borrowers, particularly in the corporate segment. At the opposite end, Access Bank (Kenya) PLC recorded the highest lending rate at 19.75%, illustrating the broad spectrum of risk profiles, operational costs, and customer segments served by Kenyan banks. On the deposit side, Credit Bank PLC provided the highest returns for savers at 11.56%, appealing to those seeking better yields on their savings. In contrast, Standard Chartered Bank Kenya Limited offered the lowest deposit rate at 3.32%. The full list of the 38 commercial banks and their average rates for November 2025 is as follows: Citibank Kenya — Lending: 10.01% | Deposit: 5.19% Stanbic Bank Kenya Limited — 11.97% | 6.08% ABSA Bank Kenya PLC — 12.14% | 4.29% UBA Kenya Bank Limited — 12.38% | 7.79% Standard Chartered Bank Kenya Limited — 13.03% | 3.32% Ecobank Kenya Limited — 13.03% | 7.32% Guardian Bank Limited — 13.53% | 7.37% Habib Bank A.G. Zurich — 13.71% | 6.89% Consolidated Bank of Kenya Limited — 13.90% | 6.95% Bank of Baroda (Kenya) Limited — 14.32% | 7.89% Gulf African Bank Limited — 14.34% | 7.40% Prime Bank Limited — 14.40% | 8.70% Paramount Bank Limited — 14.43% | 9.74% Bank of India — 14.58% | 8.19% Guaranty Trust Bank (K) Ltd — 14.71% | 7.63% Victoria Commercial Bank PLC — 14.76% | 8.58% Premier Bank Kenya Limited — 14.87% | 5.08% Diamond Trust Bank Kenya Limited — 14.88% | 7.60% Equity Bank Kenya Limited — 14.89% | 6.93% M-Oriental Bank Limited — 15.00% | 8.47% KCB Bank Kenya Ltd — 15.50% | 6.57% I&M Bank Limited — 15.55% | 7.62% National Bank of Kenya Limited — 15.66% | 7.30% Co-operative Bank of Kenya Limited — 15.72% | 6.01% NCBA Bank Kenya PLC — 15.75% | 6.93% African Banking Corporation Limited — 15.80% | 11.16% Kingdom Bank Limited — 15.87% | 9.61% Family Bank — 16.00% | 8.42% Development Bank of Kenya Limited — 16.09% | 9.945% DIB Bank Kenya Limited — 16.59% | 6.95% Sidian Bank Limited — 17.65% | 8.51% SBM Bank Kenya Limited — 17.86% | 8.87% HFC Limited — 17.92% | 5.99% Commercial International Bank (CIB) Kenya Limited — 18.02% | 8.33% Bank of Africa Kenya Limited — 18.43% | 8.30% Middle East Bank (K) Limited — 19.07% | 9.43% Credit Bank PLC — 19.46% | 11.56% Access Bank (Kenya) PLC — 19.75% | 8.96% These rates represent weighted averages and can vary depending on loan type, customer risk profile, and other factors. Recent CBK Policy Shift Influences Future Rates In a significant development following the November data, the Central Bank of Kenya cut its benchmark Central Bank Rate (CBR) — the base lending rate — by 25 basis points from 9.25% to 9.00% during the Monetary Policy Committee meeting on Tuesday, December 9, 2025. CBK Governor Kamau Thugge stated that the reduction was intended to stimulate economic growth, encourage greater private sector lending, and support broader economic activity amid easing inflation and stable macroeconomic conditions. Discover more Entertainment center Major lenders, including Equity Bank Kenya Limited and KCB Bank Kenya Ltd, quickly responded by lowering their base rates for new variable-rate loans to align with the updated CBR. Industry analysts expect this policy easing to gradually transmit through the banking sector, potentially narrowing the gap between the highest and lowest lending rates in upcoming months and making credit more accessible for businesses and individuals. The CBK continues to monitor the transmission of monetary policy changes, urging banks to pass on the benefits of lower benchmark rates to borrowers promptly. Borrowers and savers are advised to compare current offerings directly with individual banks, as rates may evolve in the wake of the December adjustment.