Prime Rate History by Year: A Complete Data Reference
The U.S. prime rate has swung from 3.25% to a 1980 peak of 21.5%. See every annual rate, how Fed policy drives each move, and where rates stand in 2025.
Apr 15 2026
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How the Prime Rate Changed During COVID-19: A Year-by-Year Look
The prime rate crashed to 3.25% in 11 days during March 2020, then climbed to 7.50% by 2025. Here’s the full year-by-year breakdown of that historic cycle.
Apr 14 2026
Read MorePrime Rate During the 2008 Financial Crisis: A Full Timeline
The prime rate dropped from 7.25% to 3.25% in just 15 months during the 2008 financial crisis. Here’s the full Fed rate-cutting timeline and what drove each move.
Apr 13 2026
Read MoreHow Often Does the Prime Rate Change and Who Decides?
The prime rate changed 8 times in 2022 alone and swung from 3.25% to 8.50% in two years. Here’s who decides it and what triggers each move.
Apr 11 2026
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