Laura Adams

Laura Adams is a personal finance expert, spokesperson, and national media source who helps consumers improve their finances by making money easy to understand. She’s the host of the top-rated MoneyGirl Podcast and award-winning author of multiple books, including Money Girl’s Smart Moves to Grow Rich. Connect with Laura at LauraDAdams.com and on Twitter @LauraAdams.

Joined: November 9, 2017
Articles: 63

Budget, Personal Loans

Fed Holds Prime Rate at 7.00% as Cook and Hammack Dissent for a Hike

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The Federal Open Market Committee held its target range at 3.75% to 4.00% on October 28, 2026, keeping the prime rate at 7.00%. Cook and Hammack dissented for a quarter point hike.

Laura Adams
October 29, 2026

Budget, Personal Loans

94 of 100 Economists Expect Prime Rate to Hold at 7.00% on October 28

Neoclassical white marble facade of a United States central bank headquarters building photographed at early morning from the base of its wide granite steps looking up along a row of tall fluted stone columns supporting a raised portico with bare autumn tree branches framing the left edge under cool blue grey overcast dawn light

The Fed opens a two-day meeting Tuesday. 94 of 100 economists surveyed by Reuters expect a hold at 3.75% to 4.00%, keeping the prime rate at 7.00% into December.

Laura Adams
October 26, 2026

Budget, Personal Loans

10-Year Treasury Yield Drops 17 Basis Points to 4.96%, Most Since August 2024

Empty institutional bond trading desk at dusk with three large dark computer monitors glowing faint cool blue, a black leather office chair turned away from the desk, a white ceramic coffee cup beside a keyboard, and floor to ceiling windows behind showing a blurred city skyline at blue hour

The 10-year Treasury yield fell 17 basis points to 4.96% on October 22, its largest one-day drop since August 2024 and its first close below 5% in a month.

Laura Adams
October 23, 2026

Budget, Personal Loans

Treasury Reopens $13 Billion 20-Year Bond as Its Yield Tops the 30-Year

The neoclassical United States Treasury Building in Washington DC photographed at golden hour with warm low sunlight raking across its tall limestone columns and casting long shadows down the front steps, a few blurred pedestrians in dark business coats walking past in the foreground, deep blue autumn sky with thin high clouds above the roofline

Treasury auctions $13 billion of the 5-1/8% bond due August 2046 on October 21, with the 20-year yielding 5.53% against 5.48% at 30 years.

Laura Adams
October 20, 2026

Budget, Personal Loans

Warsh Gives No Signal on Oct 28 Fed Vote After 3.7% Inflation Print

An empty conference stage at a large international monetary summit, with two modern armchairs angled toward each other on a low carpeted dais, a glass side table holding two water glasses, slim black microphone stands, and warm late afternoon sunlight falling through tall glass windows behind the stage.

Fed Chair Kevin Warsh declined to signal the October 28 vote during Friday remarks in Bangkok, his last comments before the FOMC communications blackout began October 17.

Laura Adams
October 17, 2026

Budget, Credit Cards

Fed Discount Rate Minutes Show Hike Requests Grew From 2 Banks to 7 in September

A formal empty boardroom inside a neoclassical government building with a long polished dark walnut conference table surrounded by twelve vacant brown leather armchairs and tall arched windows casting soft morning light across the table surface

Federal Reserve Board minutes show Reserve Bank requests for a 4.00% discount rate grew from two banks in August to seven by the September 16 meeting.

Laura Adams
October 14, 2026

Budget, Credit Cards

Waller Says 16 of 18 Fed Dots Point to Another 2026 Hike, Not Every Meeting

A formal international economic conference hall photographed wide, with a single speaker silhouetted from behind at a dark wood lectern on a spotlit stage and rows of empty deep blue tiered seating stretching back toward a tall arched window filled with pale morning light.

Fed Governor Christopher Waller said 16 of 18 officials who filed September projections expect another 2026 rate increase, and that the hikes need not come at back to back meetings.

Laura Adams
October 11, 2026

Budget, Credit Cards

Fed Minutes Show Most Officials Back Another Hike With Prime at 7.00%

The neoclassical marble facade of the Federal Reserve Board headquarters in Washington DC photographed in late afternoon autumn light, with bare tree branches in the foreground and deep shadows falling between the building's tall columns.

Minutes of the September FOMC meeting show a unanimous 12 to 0 vote to raise rates and most officials expecting one more increase before the end of 2026.

Laura Adams
October 8, 2026

Budget, Personal Loans

Treasury Yields From 3 Years Out All Top 5% for the First Time Since 2007

Early morning golden sunlight rakes across the neoclassical stone columns and facade of the United States Treasury building in Washington under a clear deep blue autumn sky.

Every Treasury maturity from three years out to 30 years closed at or above 5.00% on September 28, 2026, the first time since July 2007. The 10-year reached 5.24%.

Laura Adams
September 29, 2026

Budget, Personal Loans

30-Year Treasury Yield Hits 5.47%, the Highest Level Since June 2004

A lone analyst in a high-rise office at dusk sits before three monitors showing steeply rising amber and green line charts, with city lights blurred through floor-to-ceiling windows behind him.

The 30-year Treasury yield closed at 5.47 percent on September 24, the highest since June 2004, as real yields rather than inflation expectations drove the selloff.

Laura Adams
September 26, 2026