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The U.S. Prime Rate sits at 7.50% as of July 2025—and if you hold an ARM, every Fed rate move changes your monthly payment. Here’s exactly how the math works.
Read MoreHow the Prime Rate Affects Your Savings Account APY
With the prime rate at 7.50%, top high-yield savings accounts are paying up to 5.00% APY. Here’s how the two numbers are connected and what to do about it.
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Learn about variable rate vs fixed rate loans. Discover how prime rate shifts affect your costs and which loan type fits your financial goals.
Read MoreWhat Is the Wall Street Journal Prime Rate?
The WSJ prime rate sits at 7.50% as of July 2025, set 3 points above the federal funds rate. It directly affects credit cards, HELOCs, and auto loans.
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The prime rate sits exactly 3 points above the federal funds rate—currently 7.50% vs 4.25–4.50%. Here's what that fixed spread means for your loans and credit cards.
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