How 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.
Apr 14 2026
Read MoreTag: borrowing costs
How Inflation Affects the Prime Rate and Your Everyday Borrowing Costs
With the prime rate at 7.50%, a 1% rise can cost you hundreds more annually on credit cards and HELOCs. Here’s exactly how inflation drives that number up.
Apr 13 2026
Read MoreHow the Federal Reserve Sets Monetary Policy and What It Means for Rates
The Fed holds rates at 4.25%–4.50% as of May 2025. Here’s how FOMC decisions actually work and why they move your mortgage, credit card, and savings rates.
Apr 12 2026
Read MoreVariable 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.
Apr 10 2026
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