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 MoreWhat 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.
Read MorePrime 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.
Read MorePrime 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.
Read MoreHow 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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Featured Articles
How Often Does the Prime Rate Change and Who Decides?
The prime rate changed 8 times in 2022 alone and swung from 3.25% to 8.50% in two years. Here's who decides it and what triggers each move.
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Why the Prime Rate Matters Even When You Have No Debt
At 7.50%, the prime rate is reshaping what savers earn on deposits, money markets, and CDs — not just what borrowers owe. Here's what that means for you.
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Prime Rate and Adjustable-Rate Mortgages: A Practical Explainer
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.
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How 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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Variable Rate vs. Fixed Rate Loans: How the Prime Rate Changes Your Decision
Learn about variable rate vs fixed rate loans. Discover how prime rate shifts affect your costs and which loan type fits your financial goals.
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What 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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