What Triggers a Prime Rate Change: The Fed Decision Timeline Explained
The prime rate moves within 24 hours of a Fed decision—always 3 points above the federal funds rate. Here’s exactly how that chain reaction works.
May 20 2026
Read MoreTag: Federal Reserve
Prime Rate vs Fed Funds Rate: Which Number Should Borrowers Actually Track?
The prime rate sits exactly 3 points above the fed funds rate and is the number that prices your credit card, HELOC, and variable loans—here’s why tracking the fed funds...
May 17 2026
Read MoreWhat a Second Consecutive Prime Rate Cut Actually Does to Variable-Rate Debt
An $80,000 HELOC already saves ~$1,400 a year from recent Fed cuts—but back-to-back cuts move a $10,000 credit card balance by less than $70. Here’s why debt type is everything.
May 11 2026
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.
May 1 2026
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