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
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How Banks Quietly Profit From the Spread Between Prime Rate and Your Loan Rate
Learn about bank spread above prime rate. Discover how banks mark up loan rates beyond prime to maximize profits — and what it costs you as a borrower.
Feb 10 2026
Read MoreCurrent 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
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