List of Banks and Their Interest Rates for Loans and Deposits [August 2025]

The average lending rate by banks in August 2025 stood at 15.17%, recording a marginal drop from 15.24%  which was the average in July 2024.

Citibank N.A Kenya had the cheapest loans, having an interest rate of 10.85% followed by Stanbic Bank Kenya Limited, which had an interest rate of 12.39%.

The other banks with the cheapest loans were Standard Chartered Bank Kenya Limited (12.74%), Ecobank Kenya Limited (12.96%), Guardian Bank Limited (13.63%), and Consolidated Bank of Kenya Limited (13.90%).

Conversely, Access Bank had the most expensive loans in August, with an interest rate of 19.79%.

Credit Bank had an interest rate of 19.44% while UBA Bank Kenya Limited had an interest rate of 18.54%.

‍Here Are the Banks and Their Loan Interest Rates for August 

1. Citibank N.A Kenya - 10.85%
2. Stanbic Bank Kenya Limited - 12.39%
3. Standard Chartered Bank Kenya Limited - 12.74%
4. Ecobank Kenya Limited - 12.96%
5. Guardian Bank Limited - 13.63%
6. Consolidated Bank of Kenya Limited - 13.90%
7. Habib Bank A.G Zurich - 13.98%
8. Guaranty Trust Bank (K) Ltd - 14.01%
9. ABSA Bank Kenya PLC - 14.02%
10. Paramount Bank Limited - 14.34%
11. Gulf African Bank Limited - 14.50%
12. Equity Bank Kenya Limited - 14.74%
13. Prime Bank Limited - 14.83%
14. Bank of Baroda (Kenya) Limited - 14.84%
15. Bank of India - 14.99%
16. Premier Bank Kenya Limited - 15.01%
17. Diamond Trust Bank Kenya Limited - 15.24%
18. Victoria Commercial Bank PLC - 15.32%
19. KCB Bank Kenya Limited - 15.58%
20. I&M Bank Limited - 15.78%
21. M-Oriental Bank Limited - 15.86%
22. Kingdom Bank Limited - 15.87%
23. National Bank of Kenya Limited - 15.97%
24. Family Bank Limited - 15.99%
25. Co-operative Bank of Kenya Limited - 16.00%
26. NCBA Bank Kenya PLC - 16.27%
27. African Banking Corporation Limited - 16.35%
28. Development Bank of Kenya Limited - 16.64%
29. DIB Bank Kenya Limited - 16.72%
30. Sidian Bank Limited - 17.55%
31. SBM Bank Kenya Limited - 17.85%
32. Bank of Africa Kenya Limited - 17.98%
33. Commercial International Bank (CIB) Kenya Limited - 18.36%
34. UBA Bank Kenya Limited - 18.54%
35. HFC Limited - 18.62%
36. Middle East Bank (K) Limited - 18.77%
37. Credit Bank PLC - 19.44%
38. Access Bank (Kenya) PLC - 19.79%

Deposit Interest Rates for Banks in August 2025

On the other hand, Kenyans who keep money in the banks continued to earn less returns, with the average interest rates dropping from 8.07% to 7.79%

The interest rates on deposits have been dropping since the beginning of the year. The highest rates were in March at 9.33%

‍Here Are the Banks and Their Interest Rates for Deposits 

1. Credit Bank PLC - 12.72%
2. African Banking Corporation Limited - 11.60%
3. Paramount Bank Limited - 10.30%
4. Development Bank of Kenya Limited - 9.94%
5. Kingdom Bank Limited - 9.75%
6. Middle East Bank (K) Limited - 9.59%
7. Commercial International Bank (CIB) Kenya Limited - 9.35%
8. SBM Bank Kenya Limited - 9.30%
9. Access Bank (Kenya) PLC - 9.19%
10. Family Bank Limited - 9.18%
11. Prime Bank Limited - 9.16%
12. Bank of India - 9.08%
13. UBA Bank Kenya Limited - 9.02%
14. M-Oriental Bank Limited - 8.91%
15. Bank of Baroda (Kenya) Limited - 8.88%
16. Victoria Commercial Bank PLC - 8.85%
17. Sidian Bank Limited - 8.61%
18. Bank of Africa Kenya Limited - 8.45%
19. Ecobank Kenya Limited - 8.19%
20. Gulf African Bank Limited - 8.10%
21. Equity Bank Kenya Limited - 8.09%
22. I&M Bank Limited - 8.07%
23. ABSA Bank Kenya PLC - 7.94%
24. Guaranty Trust Bank (K) Ltd - 7.75%
25. Guardian Bank Limited - 7.63%
26. DIB Bank Kenya Limited - 7.61%
27. National Bank of Kenya Limited - 7.47%
28. NCBA Bank Kenya PLC - 7.44%
29. Habib Bank A.G Zurich - 7.41%
30. Consolidated Bank of Kenya Limited - 7.32%
31. Diamond Trust Bank Kenya Limited - 7.31%
32. KCB Bank Kenya Limited - 6.80%
33. HFC Limited - 6.35%
34. Stanbic Bank Kenya Limited - 6.12%
35. Co-operative Bank of Kenya Limited - 6.08%
36. Citibank N.A Kenya - 6.07%
37. Standard Chartered Bank Kenya Limited - 3.25%
38. Premier Bank Kenya Limited - 2.82%