How the Prime Rate Moves Through an Entire Economic Cycle
At 7.50% today, the prime rate sits exactly 3 points above the fed funds rate—and it shifts with every cycle phase. Here’s how to use that to borrow and save...
Apr 28 2026
Read MoreTag: borrowing costs
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.
Apr 27 2026
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.
Apr 27 2026
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.
Apr 26 2026
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