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.
Apr 9 2026
Read MoreTag: interest rates
How the Prime Rate Affects Certificate of Deposit Yields
With the prime rate at 7.50%, top 1-year CDs hit 5.25% APY—here’s exactly how Fed rate decisions move CD yields and when to lock in your rate.
Apr 9 2026
Read MoreHow Banks Use the Prime Rate to Price Consumer Products
At 7.50%, the prime rate sets the floor for credit card APRs, HELOCs, and personal loans—most cards add 10–15 points on top. Here’s how the math actually works.
Apr 9 2026
Read MoreHow the Prime Rate Affects Small Business Loans
Learn about prime rate small business loans. Discover how rate changes impact your borrowing costs, loan terms, and strategies to protect your business.
Apr 7 2026
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