How the Prime Rate Differs From the Discount Rate
The prime rate sits at 7.50% while the Fed’s discount rate is 5.50%—a 2-point gap that shapes what you pay on credit cards, HELOCs, and variable-rate loans.
Apr 14 2026
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How Inflation Affects the Prime Rate and Your Everyday Borrowing Costs
With the prime rate at 7.50%, a 1% rise can cost you hundreds more annually on credit cards and HELOCs. Here’s exactly how inflation drives that number up.
Apr 13 2026
Read MorePrime Rate and Auto Loans: How Rising Rates Affect Car Financing
With the prime rate holding at 7.50%, auto loan costs are up sharply from 2020 lows. A single 1-point hike can add hundreds to your total — here’s how to...
Apr 12 2026
Read MoreHow the Federal Reserve Sets Monetary Policy and What It Means for Rates
The Fed holds rates at 4.25%–4.50% as of May 2025. Here’s how FOMC decisions actually work and why they move your mortgage, credit card, and savings rates.
Apr 12 2026
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