Citi Lowers Base Rate

Citibank (NYSE:C) lowered its base lending rate to 6.75% from 7.00%, effective December 11, 2025.

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NEW YORK--(BUSINESS WIRE)-- Citibank, N.A. said today it has lowered its base lending rate to 6.75% from 7.00%, effective tomorrow, Thursday, December 11, 2025.

About Citi
Citi is a preeminent banking partner for institutions with cross-border needs, a global leader in wealth management and a valued personal bank in its home market of the United States. Citi does business in more than 180 countries and jurisdictions, providing corporations, governments, investors, institutions and individuals with a broad range of financial products and services.

Additional information may be found at www.citigroup.com | X: @Citi | LinkedIn: www.linkedin.com/company/citi | YouTube: www.youtube.com/citi | Facebook: www.facebook.com/citi

View source version on businesswire.com: https://www.businesswire.com/news/home/20251210057657/en/

Media: Danielle Romero-Apsilos (212) 816-2264
Investors: Jennifer Landis (212) 559-2718

Source: Citibank, N.A.

Key Terms

base lending rate financial

A base lending rate is the benchmark interest rate lenders use as the starting point to set interest on loans and credit; it can be set by a central authority or by individual banks as their reference. It matters to investors because it influences borrowing costs for companies and consumers, which affects business profits, consumer demand and asset values—think of it as the thermostat that helps set the economy’s “cost of borrowing.”