List of Banks and Their July Interest Rates for Loans and Deposits

The Central Bank of Kenya (CBK) has released data on interest rates that banks charged on loans in addition to the returns for deposits in July 2025.

Loan Interest Rates

Data published by the Central Bank of Kenya (CBK) on Tuesday, September 9, shows that NCBA Bank Kenya increased its lending rate from 15.41% to 16.29% (an increase of 0.88%).

Middle East Bank (K) Limited increased its lending rate from 18.65% to 18.91% (+0.26%) while Kingdom Bank Limited increased its lending rate from 15.75% to 15.92% (+0.17%).

Below is a List of the June Interest Rates from the Most Affordable to the Most Expensive

1. Citibank N.A Kenya – 10.59%
2. Stanbic Bank Kenya Limited – 12.30%
3. Standard Chartered Bank Kenya Limited – 12.81%
4. Ecobank Kenya Limited – 12.87%
5. Guardian Bank Limited – 13.65%
6. Consolidated Bank of Kenya Limited – 13.91%
7. ABSA Bank Kenya PLC – 14.27%
8. Paramount Bank Limited – 14.32%
9. Habib Bank A.G Zurich – 14.41%
10. Gulf African Bank Limited – 14.60%
11. Prime Bank Limited – 14.77%
12. Equity Bank Kenya Limited – 14.92%
13. Bank of India – 14.95%
14. Premier Bank Kenya Limited – 14.97%
15. Bank of Baroda (Kenya) Limited – 15.10%
16. Diamond Trust Bank Kenya Limited – 15.35%
17. Victoria Commercial Bank PLC – 15.39%
18. KCB Bank Kenya Limited – 15.66%
19. Guaranty Trust Bank (K) Ltd – 15.70%
20. M-Oriental Bank Limited – 15.85%
21. National Bank of Kenya Limited – 15.91%
22. Kingdom Bank Limited – 15.92%
23. Family Bank Limited – 15.98%
24. I&M Bank Limited – 16.00%
25. Co-operative Bank of Kenya Limited – 16.01%
26. NCBA Bank Kenya PLC – 16.29%
27. African Banking Corporation Limited – 16.40%
28. DIB Bank Kenya Limited – 16.50%
29. UBA Kenya Bank Limited – 16.51%
30. Development Bank of Kenya Limited – 16.67%
31. Sidian Bank Limited – 17.49%
32. SBM Bank Kenya Limited – 17.92%
33. Bank of Africa Kenya Limited – 18.09%
34. Commercial International Bank (CIB) Kenya Limited – 18.83%
35. Middle East Bank (K) Limited – 18.91%
36. HFC – 19.03%
37. Access Bank (Kenya) PLC – 19.42%
38. Credit Bank PLC – 19.44%

Also Read: Still Not Seeing Growth? 5 Uncommon Moves Kenyan Entrepreneurs Overlook

Bank Deposit Interest Rate

In July, the average interest rate banks offered for deposits was 8.07%, which was a drop from 8.37% that was recorded in June 2025.

Notably, the rates have been dropping since February. In February, the rates were 9.76% and dropped as follows: 9.33% (March), 8.87% (April), and 8.75% in May.

In July, the bank that offered the highest return for deposits was Credit Bank PLC at 13.09% and African Banking Corporation at 11.83%.

Here are the returns banks offered for deposits in July, from the highest to the smallest

1. Credit Bank PLC – 13.09%
2. African Banking Corporation Limited – 11.83%
   
3. Equity Bank Kenya Limited – 10.73%
4. Kingdom Bank Limited – 10.46%
5. Paramount Bank Limited – 10.30%
6. Commercial International Bank (CIB) Kenya Limited – 9.74%
7. Middle East Bank (K) Limited – 9.72%
8. Development Bank of Kenya Limited – 9.67%
9. Bank of India – 9.51%
10. Access Bank (Kenya) PLC – 9.44%
11. SBM Bank Kenya Limited – 9.41%
12. Prime Bank Limited – 9.40%
13. Bank of Baroda (Kenya) Limited – 9.29%
14. Victoria Commercial Bank PLC – 9.01%
15. M-Oriental Bank Limited – 8.98%
16. UBA Kenya Bank Limited – 8.82%
17. Sidian Bank Limited – 8.70%
18. Bank of Africa Kenya Limited – 8.62%
19. Family Bank Limited – 8.58%
20. ABSA Bank Kenya PLC – 8.54%
21. Gulf African Bank Limited – 8.22%
22. Ecobank Kenya Limited – 8.13%
23. I&M Bank Limited – 8.08%
24. Habib Bank A.G Zurich – 8.07%
25. Guaranty Trust Bank (K) Ltd – 7.93%
26. Guardian Bank Limited – 7.73%
27. NCBA Bank Kenya PLC – 7.73%
28. DIB Bank Kenya Limited – 7.65%
29. Diamond Trust Bank Kenya Limited – 7.56%
30. National Bank of Kenya Limited – 7.41%
31. Consolidated Bank of Kenya Limited – 7.30%
32. KCB Bank Kenya Limited – 6.66%
33. HFC – 6.48%
34. Citibank N.A Kenya – 6.94%
35. Stanbic Bank Kenya Limited – 6.21%
36. Co-operative Bank of Kenya Limited – 6.08%
37. Standard Chartered Bank Kenya Limited – 3.25%
38. Premier Bank Kenya Limited – 2.69%