Prime Rate vs Federal Funds Rate: What Is the Difference?
The prime rate sits exactly 3 points above the federal funds rate—currently 7.50% vs 4.25–4.50%. Here’s what that fixed spread means for your loans and credit cards.
Feb 14 2026
Read MoreTag: Federal Reserve
Current Prime Rate Today: What It Means for Borrowers
The prime rate sits at 7.50%, unchanged after the Fed paused rate cuts in early 2025. See how this benchmark moves your credit card, HELOC, and loan rates.
Feb 8 2026
Read MoreWhat Is the Prime Rate and How Is It Determined?
At 7.50% as of July 2025, the prime rate sets the floor for credit cards, HELOCs, and variable loans. Here’s exactly how the Fed’s decisions move that number.
Feb 2 2026
Read MorePrime Rate vs Discount Rate: The Difference Most Borrowers Never Learn
The prime rate is 7.50% and hits your credit card and HELOC directly. The discount rate never touches you at all. Here’s why that gap actually matters.
Apr 22 2025
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