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 to Negotiate a Lower Spread Above Prime on Your Business Loan
Learn about negotiate spread above prime. Discover proven strategies to lower your business loan’s spread, reduce interest costs, and strengthen your deal with lenders.
Read MoreShould You Lock In a Fixed Rate Now or Ride a Variable Rate Down?
Learn about the fixed rate vs variable rate decision. Discover which option saves you more money based on your loan type, timeline, and rate outlook.
Read MorePrime Rate Cycles Explained: Everything From First Hike to First Cut
The prime rate sits at 7.50% in July 2025, down from its 8.50% peak. Here’s how each cycle phase—hike, hold, and cut—affects your borrowing and saving decisions.
Read MoreBeyond the Prime Rate: Other Benchmarks That Quietly Drive Your Borrowing Costs
SOFR sits near 4.30% and moves your mortgage, auto, and student loan rates—yet most borrowers never track it. Here are the five benchmarks that matter as much as prime.
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Featured Articles
What a Flat Prime Rate for 12 Months Signals About the Economy
The prime rate has held at 7.50% through eight straight FOMC meetings—affecting $1.3 trillion in credit card debt. Here's what that rare standstill actually means.
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Prime Rate vs Bank Prime Rate: Are They Actually the Same Thing?
Both terms mean exactly the same thing: the benchmark rate U.S. banks charge top borrowers, currently 7.50%. Here's what that means for your loans and credit cards.
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Prime Rate vs SOFR: Which Benchmark Actually Affects Your Loans
$223 trillion in contracts switched from LIBOR to SOFR—yet your credit card still quotes the prime rate. Here's which benchmark actually moves your borrowing costs.
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How the Prime Rate Behaves at the Peak of a Rate Cycle
The prime rate hit 8.50% in July 2023—its highest since 2001—after 11 Fed hikes in 16 months. Here's what borrowers experienced and what peak cycles reveal.
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How a First-Time Homebuyer Should Think About the Prime Rate Before Applying
With the prime rate at 7.50%, your mortgage options look very different depending on loan type. Here's how to stress-test your budget and get pre-approved in 60–90 days.
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How a Frozen Prime Rate for 12 Months Reshapes Your Borrowing Strategy
Learn about prime rate hold borrowing strategy. Discover how a 12-month frozen prime rate affects loans, credit, and smarter debt decisions.
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