HSA as a Retirement Account: The Triple Tax Advantage Most People Ignore
Learn about HSA retirement strategy. Discover how to use your HSA as a powerful retirement account with triple tax benefits most savers overlook.
Read MoreHow Retirees Should Position Variable-Rate Debt Before the Next Rate Cut
HELOCs averaging 8.5–9.5% APR are the first target. Here’s a step-by-step plan for retirees to audit, convert, and redirect variable-rate debt before the Fed cuts rates.
Read MorePrime Rate History by Year: A Complete Data Reference
The U.S. prime rate has swung from 3.25% to a 1980 peak of 21.5%. See every annual rate, how Fed policy drives each move, and where rates stand in 2025.
Read MoreHow the Prime Rate Changed During COVID-19: A Year-by-Year Look
The prime rate crashed to 3.25% in 11 days during March 2020, then climbed to 7.50% by 2025. Here’s the full year-by-year breakdown of that historic cycle.
Read MoreHow the Prime Rate Differs From the Discount Rate
The prime rate sits at 7.50% while the Fed’s discount rate is 5.50%—a 2-point gap that shapes what you pay on credit cards, HELOCs, and variable-rate loans.
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Featured Articles
How the Prime Rate Affects Small Business Loans
Learn about prime rate small business loans. Discover how rate changes impact your borrowing costs, loan terms, and strategies to protect your business.
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Prime Rate Forecast: Where Rates Are Headed Next
The U.S. prime rate holds at 7.50% as of mid-2025, but one to two Fed cuts could push it to 7.00%–7.25% by year-end. Here's what the data suggests.
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What a Prime Rate Cut Actually Means for Your Variable-Rate Debt
Learn about prime rate cut variable debt. Discover how a prime rate cut lowers your variable-rate payments and what steps to take to save money now.
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How to Track Prime Rate Changes and React Before They Hit Your Budget
Learn about track prime rate changes. Discover simple strategies to monitor rate shifts early and protect your budget before borrowing costs rise.
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How Banks Determine the Spread Above the Prime Rate
Credit cards averaged 21.59% when prime sat at 7.50%—a 14-point spread most borrowers never question. Here's exactly how banks calculate what they charge above prime.
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How Prime Rate Changes Ripple Through the Housing Market
Mortgage rates more than doubled in 18 months, adding $1,100 to monthly payments on a $400K home. Here's how 11 Fed rate hikes reshaped the housing market.
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