Nabo Africa Money Market Fund leads MMFs at 9.64% net. The rest of the top five are Cytonn Money Market Fund 9.39% net, Arvocap Money Market Fund 9.29% net, Gulfcap Money Market Fund 9.23% net and Enwealth Money Market Fund 8.79% net.

On the bank side Credit Bank offers the highest savings rate at 12.68%. The bank deposit industry average sits at 8.94%.

Remember that Kenya's 15% withholding tax applies to both MMF and bank interest. MMF yields above are net of tax, while bank rates are quoted gross, so do the math before you decide.

Money market funds are presented here as net yields, so the 7.62% MMF industry average is already after tax. That makes MMFs an easy after-tax comparison for bank offers.

Banks can pay more on paper. For example, Credit Bank's 12.68% gross falls to about 10.78% after 15% withholding tax, still above Nabo's 9.64% net. Which is right for you depends on access, safety and any fees or minimums.

If you need instant access, check the fund or account rules before you move money. Small differences in headline rates matter more at bigger KES balances.

The cheapest bank loan rate listed is Citibank N.A. Kenya at 10.36%. The most expensive is Commercial International Bank Kenya at 20.00%. The CBK bank lending industry average is 15.99%, with the Central Bank Rate at 8.75%.

That spread matters. If you carry debt above the 15.99% industry average, start by asking your lender to reprice or look for refinancing. If you need new borrowing, aim for offers close to Citibank N.A. Kenya's 10.36% rather than the high end.

Also factor in fees, penalties and whether the rate is fixed or variable when you compare offers. A lower headline rate can still cost more after charges.