How Banks Determine the Spread Above the Prime Rate
Credit cards averaged 21.59% when prime sat at 7.50%—a 14-point spread most borrowers never question. Here’s exactly how banks calculate what they charge above prime.
Apr 4 2026
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How Prime Rate Changes Ripple Through the Housing Market
Mortgage rates more than doubled in 18 months, adding $1,100 to monthly payments on a $400K home. Here’s how 11 Fed rate hikes reshaped the housing market.
Apr 2 2026
Read MoreHow a Falling Prime Rate Can Be Your Signal to Refinance Debt
Learn about falling prime rate refinance debt. Discover how to spot the right moment to refinance loans and save money when the prime rate drops.
Apr 1 2026
Read MoreHow Businesses Use the Prime Rate to Set Lending Terms
At 7.50%, the U.S. prime rate is the baseline most commercial lenders use to price loans—typically adding 1% to 5% depending on your creditworthiness and loan type.
Mar 31 2026
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