Kenya rates briefing — Saturday, July 25, 2026

Daily briefingSaturday, July 25, 2026

Kenya savings & loan market — Saturday, July 25, 2026

Top Money Market Fund yield is 9.39% net (Cytonn Money Market Fund), beating the best bank savings rate of 12.68% at Credit Bank by -3.29 points. Cheapest new bank loan sits at 10.36% (Citibank N.A. Kenya).

Top MMF

9.39%

Cytonn

Top bank savings

12.68%

Credit Bank

Cheapest loan

10.36%

Citibank N.A. Kenya

Most expensive loan

20.00%

Commercial International Bank Kenya

For savers

Move idle cash into Cytonn Money Market Fund (9.39% net) rather than leaving it in a bank savings account.

For borrowers

Shop at Citibank N.A. Kenya (10.36%) before signing with any bank quoting above the 15.99% industry average.

Where savers earn the most today

Cytonn Money Market Fund leads Kenyan Money Market Funds at 9.39% net, compared with the industry average of 7.62%. The gap between the top fund and the average means fund selection still materially affects your take-home yield.

Banks vs MMFs — the spread

Credit Bank pays the highest gross bank savings rate at 12.68%, against an MMF average of 7.62% net. For balances below KES 500,000 that you might touch within a year, an MMF still comes out ahead on yield and liquidity.

Borrowing costs

The cheapest reducing-balance bank loan today is from Citibank N.A. Kenya at 10.36%, while Commercial International Bank Kenya sits at the top of the range at 20.00%. That 9.64-point gap on a 10-year KES 2M loan is roughly KES 1,100 of extra monthly payment.

Built from live data

Rates refresh every few hours; briefings regenerate every morning.

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