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: lending rate
What 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
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