# PrimeRates

> PrimeRates.com connects every interest rate decision to the prime rate and Federal Reserve policy. We provide daily-updated rate data, expert analysis, and practical tools to help consumers and businesses understand how Fed decisions affect the rates they pay and earn.

Coverage: prime rate, mortgage rates, CD rates, business loans, personal loans, credit cards, calculators.

## Live Rates & Data (Updated Daily)

> These pages are updated every morning with the latest rate data and market analysis.

- [Treasury Yield Curve Today – Rates, Spreads & Inversion Monitor](https://primerates.com/primerate/treasury-yield-curve/): Treasury Yield Curve Today — updated nightly with all 8 Treasury maturities (3mo-30yr), 10Y-2Y and 10Y-3M spreads, inversion status, and breakeven inflation expectations from FRED
- [US Debt Clock — Live National Debt Tracker](https://primerates.com/us-debt/): US Debt Clock & Live National Debt Tracker — updated daily with total U.S. national debt outstanding (Treasury Debt to the Penny), 30-day debt growth trend, debt per citizen, debt per taxpayer, debt-to-GDP ratio, daily interest expense, weighted average Treasury security rates (Bills, Notes, Bonds, TIPS), public vs intragovernmental holdings split, and a daily briefing covering fiscal trends, FOMC outlook, CBO deficit projections, and the connection between national debt and consumer borrowing costs
- [Consumer Credit & Loan Rates Dashboard](https://primerates.com/primerate/consumer-credit-rates/): Consumer Credit & Loan Rates Dashboard — updated daily with credit card APR, auto loan rates, mortgage rates, total consumer credit, delinquency rates, and personal savings rate from FRED
- [U.S. Inflation & Price Tracker](https://primerates.com/primerate/inflation-tracker/): U.S. Inflation & Price Tracker — updated nightly with 12 FRED inflation series: CPI, Core CPI, PCE, Core PCE, Median CPI, shelter CPI, gas prices, breakeven expectations, and consumer inflation expectations
- [Fed Rate Forecast 2026: Will the Fed Cut, Hold, or Raise Rates?](https://primerates.com/primerate/fed-rate-forecast-2026/): Fed Rate Forecast 2026 — updated nightly with CME FedWatch probabilities, FRED rate data (fed funds target, Treasury yields, SOFR, mortgage rates), expert consensus grid, scenario analysis (cut/hold/hike), and answers to: how many times will the Fed cut rates in 2026, will the Fed raise rates, when will interest rates go down, what will the Fed decide at its next meeting
- [How Fed Rate Decisions Affect Your Loans: Mortgages, Personal Loans & Credit Cards](https://primerates.com/primerate/how-fed-affects-loans/): How Fed Rate Decisions Affect Your Loans — updated nightly with FRED rate data showing how Fed policy flows to mortgages, personal loans, credit cards, auto loans, and HELOCs. Answers: how do Fed rate decisions affect mortgage rates, how do Fed rate decisions affect personal loans, what happens to my loan when the Fed changes rates, when is the best time to get a loan based on Fed policy
- [SBA & Business Loan Rates Today: Compare 7(a), 504 & Online Lenders](https://primerates.com/business-loans/rates-today/): SBA & Business Loan Rates Today — updated nightly with FRED-derived SBA 7(a) rates (prime + spread), SBA 504 rates (10-yr Treasury + fees), SOFR, C&I lending volume, and lender comparison grid. Answers: SBA loan rates 2026, best business loan rates 2026, small business loan comparison
- [Current U.S. Prime Rate Today](https://primerates.com/primerate/current-prime-rate/): Current U.S. Prime Rate and Federal Funds Rate — updated daily with today's prime rate, current federal funds rate, Fed rate decision analysis, interest rate environment outlook, and how rate changes affect credit cards, HELOCs, and loans
- [Federal Reserve Balance Sheet Tracker](https://primerates.com/primerate/fed-balance-sheet/): Federal Reserve Balance Sheet Tracker — updated weekly with Fed total assets, SOMA holdings breakdown, Treasury General Account, overnight reverse repo, discount window usage, M1/M2 money supply, and total bank credit from FRED and NY Fed
- [Best CD Rates](https://primerates.com/cd-rates/best-cd-rates/): Best CD Rates Today — updated daily with the best 1-year CD rate, 6-month, 3-year, and 5-year CD APYs. Compare top banks and credit unions for the highest CD rates in 2026
- [Compare Best Personal Loans](https://primerates.com/personal-loans/compare-best-personal-loans/): Compare Best Personal Loans for 2026 — personal loan rates today from top lenders including SoFi, LightStream, Upstart, Best Egg, and Upgrade. Find the best personal loan for bad credit, fair credit, or debt consolidation. Compare APRs, prequalification options, no origination fee lenders, and fastest approval times by credit score
- [Federal Reserve Meeting Schedule & Prime Rate Decision](https://primerates.com/primerate/fed-meeting-schedule/): Federal Reserve Meeting Schedule 2026 & FOMC Calendar — updated daily with next FOMC meeting date, CME FedWatch probabilities, rate cut predictions, Fed rate decision history, and analysis of whether the Fed will cut, hold, or raise rates at the next meeting
- [Fed Prime Rate Dashboard](https://primerates.com/primerate/fed-prime-rate/): Fed Prime Rate Dashboard — updated nightly with FRED & NY Fed API data: prime rate, fed funds target, SOFR (with percentiles & volumes), treasury yields, and economic indicators
- [Personal Loan Rates Today](https://primerates.com/personal-loans/rates-today/): Personal Loan Rates Today — updated daily with current personal loan APRs by credit tier, lender comparison grid, rate trend chart, Fed impact analysis, and top online lender rankings from LightStream, SoFi, Upgrade, Upstart, and LendingClub
- [U.S. Interest Rates Dashboard](https://primerates.com/primerate/interest-rate/): U.S. Interest Rates Today — updated daily with federal funds rate, prime rate, Treasury yields, SOFR, discount rate, and all key benchmarks from Fed H.15
- [Best High-Yield Savings Accounts](https://primerates.com/savings-rates/best-high-yield-savings-accounts/): Best High-Yield Savings Accounts 2026 — updated daily with today's top HYSA APYs from online banks and credit unions. Compare the best credit union savings rates, money market accounts, and high-yield options by APY
- [Current Mortgage Rates Today](https://primerates.com/mortgage-rates/current-mortgage-rates/): Best Mortgage Rates Today — updated daily with today's 30-year mortgage rate, 15-year fixed, ARM, FHA, and VA rates. Compare mortgage lenders side by side with current APRs and market analysis

## News & Analysis

> Expert commentary on rate moves, Fed policy, and borrowing strategy.

- [Private Payrolls Cool to 98,000 in June, Stiffening the Fed's July Rate Test](https://primerates.com/june-private-payrolls-cool-98000-fed-july-rate-test/): ADP reported 98,000 private jobs in June, below the 110,000 forecast and down from 122,000 in May, sharpening the Fed's July rate decision with prime at 6.75%.
- [How Treasury Auctions Work: Inside the $2.5 Trillion the U.S. Sold in June](https://primerates.com/how-treasury-auctions-work-2-5-trillion-june/): The U.S. Treasury sold $2.46 trillion across 37 auctions in June 2026. How Treasury auctions work, who buys the debt, and how results reach your rates.
- [National Debt Ends June at Record $39.46 Trillion, $40 Trillion Now in Sight](https://primerates.com/national-debt-record-39-46-trillion-june-2026/): The national debt closed June at a record $39.46 trillion after a $117 billion one-day jump, putting $40 trillion within reach as soon as this fall.
- [June Payrolls Add Just 57,000 as Revisions Erase 74,000, Cooling Fed Hike Bets](https://primerates.com/june-2026-jobs-report-57000-payrolls-fed-hike-bets/): BLS says June payrolls rose just 57,000 while unemployment held at 4.2%. What the soft jobs report means for the Fed's July meeting, the prime rate, and your...
- [Warsh Makes Sintra Debut as Fed Chair, Holding Firm at 3.75% on Inflation](https://primerates.com/warsh-sintra-ecb-forum-debut-fed-chair-inflation-hold/): Fed Chair Kevin Warsh made his first major international appearance at the ECB's Sintra forum, carrying a hawkish message that keeps the U.S. prime rate at 6...
- [A History of the U.S. Prime Rate: From 21.5% in 1980 to 6.75% Today](https://primerates.com/history-of-the-us-prime-rate-1980-peak-to-today/): The prime rate is 6.75% in 2026. See how it hit a 21.5% record in 1980, bottomed at 3.25%, and how its history shapes your credit card and loan costs today.
- [Fed Balance Sheet Settles Near $6.7 Trillion After Quantitative Tightening](https://primerates.com/fed-balance-sheet-6-7-trillion-after-quantitative-tightening/): The Fed's balance sheet held near $6.74 trillion in June 2026 after quantitative tightening ended in December 2025. What it means for prime, mortgage, and sa...
- [Fed's Preferred Inflation Gauge Hits 4.1% in May, Core Climbs to 3.4%](https://primerates.com/may-2026-pce-inflation-4-1-percent-core-3-4-fed-gauge/): May PCE inflation climbed to 4.1% and core PCE to 3.4%, the Fed's preferred gauge's highest in years, reinforcing a hawkish hold and a steady 6.75% prime rate.

## Comparisons & Rankings

### Business Loans

- [Best Business Loans Up To $500,000: Compare Rates & Apply Online](https://primerates.com/business-loans/): Compare the best business loans up to $500K. See rates from SBA, bank, and online lenders. Pre-qualify in minutes with no credit score impact.
- [Compare Fast Business Loans: Top Lenders, Rates & Funding Speed](https://primerates.com/business-loans/compare-fast-business-loans/): Compare the fastest business loan lenders side by side. OnDeck, Bluevine, Kabbage, and SBA lenders with APRs, funding speed, FICO requirements, and total cos...
- [$40,000 Business Loans: Compare Rates, Lenders & How to Qualify](https://primerates.com/business-loans/40k-business-loans/): Compare $40,000 business loans from top lenders. See APRs from 7.8%-29.9%, SBA microloans at 8%-13%, qualification requirements, and true cost analysis.
- [Best Secured Business Loans: Lower Rates With Collateral](https://primerates.com/business-loans/secured-business-loans/): Compare secured business loans with APRs from 6%-25%. Equipment, real estate, and inventory collateral options with qualification requirements and cost compa...
- [$150,000 Business Loans: Compare Options & Rates](https://primerates.com/business-loans/150000-business-loans/): Compare $150,000 business loans from SBA, banks, and online lenders. See the 85% SBA guarantee advantage, real payments, and qualification requirements.
- [$300,000 Business Loans: Compare Options & Rates](https://primerates.com/business-loans/300k-business-loans/): Compare $300,000 business loans: SBA 504, SBA 7(a), bank, and equipment financing. See total cost breakdowns, monthly payments, and qualification requirements.
- [$350,000 Business Loans: Compare Options & Rates](https://primerates.com/business-loans/350000-business-loans/): Compare $350,000 business loans: SBA 504, SBA 7(a), bank, and equipment financing. See total cost breakdowns, monthly payments, and qualifications.
- [$400,000 Business Loans: Compare Options & Rates](https://primerates.com/business-loans/400000-business-loans/): Compare $400,000 business loans: SBA 504, SBA 7(a), bank, and equipment financing. See total cost breakdowns, monthly payments, and qualifications.
- [$450,000 Business Loans: Compare Options & Rates](https://primerates.com/business-loans/450000-business-loans/): Compare $450,000 business loans: SBA 504, SBA 7(a) and Express, bank, and equipment financing. See total costs, monthly payments, and qualifications.

### Personal Loans

- [Best Personal Loans Online: Compare Rates From Top Lenders](https://primerates.com/personal-loans/): Compare personal loan rates from top lenders like SoFi, LightStream, and Upgrade. Pre-qualify in minutes with no credit impact. Loans from $1,000 to $100,000.
- [Best Personal Loans for Debt Consolidation: Compare Rates & Save](https://primerates.com/personal-loans/best-personal-loans-for-debt-consolidation/): Best personal loans for debt consolidation in 2026. Compare rates from 6-18% APR, see real savings math on $10K-$25K in debt, and learn when consolidation be...
- [Best Personal Loans for Fair Credit (650 Score): Compare Rates and Lenders](https://primerates.com/personal-loans/650-credit-score-loans/): Compare the best personal loans for a 650 credit score in 2026. See current APR ranges, lender requirements, and tips to get approved with fair credit.
- [Best Secured Personal Loans (Lower Rates With Collateral)](https://primerates.com/personal-loans/best-secured-personal-loans/): Best secured personal loans backed by savings, vehicles, or home fixtures. Compare 8 lenders, see how collateral lowers your rate, and learn the credit-build...

### Credit Cards

- [Best Credit Cards: Compare Rewards, Cash Back & 0% APR Offers](https://primerates.com/credit-cards/): Compare the best credit cards for cash back, travel rewards, balance transfers, and building credit. Find your perfect card match with no impact to your score.
- [Best Travel Credit Cards: Points, Miles & Perks Compared for 2026](https://primerates.com/credit-cards/travel-rewards/): Best travel credit cards for 2026: flexible points, airline miles, and hotel cards compared. See transfer partner values, lounge access, and when premium car...
- [Best Rewards Credit Cards: Cash Back, Points & Miles Compared for 2026](https://primerates.com/credit-cards/rewards/): Best rewards credit cards for 2026: cash back, points, and miles compared. See the top 8 picks, how the big three ecosystems work, and which rewards type fit...

### Mortgage Rates

- [How to Get the Best Mortgage Rate](https://primerates.com/mortgage-rates/how-to-get-the-best-mortgage-rate/): How to get the best mortgage rate: boost your credit score, shop multiple lenders, optimize your down payment, and use discount points to save thousands.

### Prime Rate

- [Prime Rate vs APR vs Interest Rate vs Federal Funds Rate](https://primerates.com/primerate/prime-rate-vs-other-rates/): Prime rate (6.75%), federal funds rate (3.50-3.75%), SOFR (~3.50%), APR, and interest rate explained. See which rate controls which loan product and how they...

- [Who Owns the US National Debt? Top Holders Breakdown](https://primerates.com/us-debt/who-owns-us-debt/): Who owns the US national debt? Live breakdown of public vs intragovernmental holdings, plus top foreign holders led by Japan and China. Updated daily.
- [US Federal Spending vs Revenue: Live Deficit Tracker](https://primerates.com/us-debt/federal-spending-and-revenue/): Live US federal deficit run-rate from the Daily Treasury Statement. Compare FY26 spending vs revenue, top outlay categories, and days into the fiscal year.

## Rates & Analysis

### Prime Rate

- [The Prime Rate: Complete Guide to How It Works and Why It Matters](https://primerates.com/primerate/): The U.S. prime rate is 6.75% as of March 2026. Learn how the prime rate is set, what it affects (credit cards, HELOCs, SBA loans, mortgages), and where rates...

### Mortgage Rates

- [Mortgage Rates: How They Work and What Affects Them](https://primerates.com/mortgage-rates/): Understand how mortgage rates are set, what factors affect your rate, and how to get the best deal on a 30-year fixed, ARM, FHA, VA, or jumbo loan.

### CD Rates

- [CD Rates: How Certificates of Deposit Work and What They Pay | PrimeRates](https://primerates.com/cd-rates/): Compare current CD rates by term. Learn how the Fed affects certificate of deposit rates and when locking in a CD makes sense for your savings goals.

### Savings Rates

- [Savings Rate Forecast 2026: Where HYSA and Savings Rates Are Headed](https://primerates.com/savings-rates/savings-rate-forecast/): Expert savings rate forecast for 2026. See where HYSA and savings account rates are headed as the Fed cuts rates, plus strategies to maximize your returns.

## Tools & Calculators

### Calculators

- [Financial Calculators: Free Loan, Debt & Budget Tools](https://primerates.com/calculators/): 31 free financial calculators for personal loans, business loans, credit cards, debt consolidation, DTI, and prime rate impact. Calculate payments, compare o...
- [APR vs Interest Rate Calculator](https://primerates.com/calculators/apr-calculator/): Free calculator revealing the true APR of any loan after origination fees. See the spread between quoted rate and effective APR with visual breakdown and ter...
- [Loan Comparison Calculator](https://primerates.com/calculators/loan-comparison-calculator/): Compare two personal loan offers side by side including APR, origination fees, effective APR, and total cost. Find out which loan is actually cheaper.
- [Debt Payoff Calculator (Snowball vs Avalanche)](https://primerates.com/calculators/debt-payoff-calculator/): Free Snowball vs Avalanche debt payoff calculator. Compare both strategies with your actual debts to see which saves more money and which gives faster wins.
- [Interest-Only vs Amortized Calculator](https://primerates.com/calculators/interest-only-calculator/): Free calculator comparing interest-only vs fully amortized loan payments. See the IO period savings, payment shock when IO ends, and year-by-year cost compar...

### Prime Rate

- [Prime Rate History & Forecast Calculator](https://primerates.com/primerate/prime-rate-forecast-calculator/): Interactive prime rate history chart from 2000 to today. See 25 years of rate data and calculate how your loan payment changes at any historical rate level.
- [Prime Rate vs Fixed Rate Calculator](https://primerates.com/primerate/prime-rate-vs-fixed-rate-calculator/): Compare variable-rate and fixed-rate loan costs side by side. Model nine rate scenarios to find your breakeven point and see which option saves more money.
- [Prime Rate Impact Calculator](https://primerates.com/primerate/prime-rate-impact-calculator/): Free calculator showing how prime rate changes affect your credit card, HELOC, and loan payments. See monthly and annual impact instantly with multi-product ...
- [Prime Rate Credit Card Calculator](https://primerates.com/primerate/prime-rate-credit-card-calculator/): Free calculator showing how prime rate changes affect your credit card interest charges, payment breakdown, and payoff timeline. Updated daily with Fed data.
- [Prime Rate Savings Calculator](https://primerates.com/primerate/prime-rate-savings-calculator/): Free calculator showing how prime rate changes affect your savings account and CD yields. Compare HYSA, CD, and money market earnings with auto-updated rate ...
- [Prime Rate Loan Payment Calculator](https://primerates.com/primerate/prime-rate-loan-calculator/): Calculate loan payments at today's prime rate. Includes donut chart, rate sensitivity table, origination fee modeling, and full expandable amortization sched...

## Guides & Resources

- [US Debt-to-GDP Ratio Today: How Much Bigger Than the Economy?](https://primerates.com/us-debt/debt-to-gdp-ratio/): Live US debt-to-GDP ratio, updated daily. See where the United States stands versus G7 peers, the post-WWII peak, and the 10-year trend.
- [Interest on the US National Debt: Daily Cost Tracker](https://primerates.com/us-debt/interest-on-national-debt/): The US government now pays over $2.8B per day in interest on the national debt. See the live counter, weighted average rate, and breakdown by Treasury securi...
- [Current National Debt: Live US Debt Tracker (Updated Daily)](https://primerates.com/us-debt/current-national-debt/): See the current US national debt in real time, plus daily updates on how fast the debt is growing, the per-citizen share, and what it means for borrowing costs.
- [How Much US National Debt Per Person? Your Share Tracker](https://primerates.com/us-debt/debt-per-person/): How much US national debt does each American owe? Live per-citizen, per-taxpayer, and per-household share, updated daily from US Treasury data.
- [National Debt by Year: Historical Chart (1900–2026)](https://primerates.com/us-debt/national-debt-by-year/): See the US national debt at the end of every fiscal year from 1980 to 2026. Live FY26 year-to-date counter with decade-by-decade comparison and CBO projections.

## Optional

- [Mortgage Rate Forecast: Where Rates Are Headed](https://primerates.com/mortgage-rates/mortgage-rate-forecast/): Mortgage rate forecast for 2026: expert predictions from Fannie Mae, Freddie Mac, and MBA. See where 30-year fixed rates are headed and how to lock in the be...
- [CD Rate Forecast 2026](https://primerates.com/cd-rates/cd-rate-forecast/): Expert CD rate forecast for 2026-2027. See projections for 6-month to 5-year CD rates, Fed impact analysis, and strategies to maximize your returns in a fall...
- [Top Small Business Lenders: SBA, Online & Bank Compared](https://primerates.com/business-loans/top-small-business-lenders/): Compare the top small business lenders by SBA volume, rates, and speed. Live Oak, Wells Fargo, SmartBiz, Bluevine, and Fundbox ranked with qualification requ...
- [$75,000 Business Loans: Compare Rates, Lenders & Terms](https://primerates.com/business-loans/75k-business-loans/): Compare $75,000 business loans from 7.8%-29.9% APR. SBA 7(a), equipment financing, lines of credit, and online term loans with qualification requirements and...
- [Personal Loan Review: Compare Top Lenders](https://primerates.com/personal-loans/personal-loan-review/): Compare personal loan lenders side by side. See current rates, fees, credit requirements, and funding speed from SoFi, LightStream, Upgrade, Prosper, and more.
- [How to Maximize Your Savings Rate](https://primerates.com/savings-rates/how-to-maximize-savings-rate/): Maximize your savings rate with these 7 proven strategies. Switch to a HYSA, build a CD ladder, automate transfers, and avoid hidden fee traps.
- [$500,000 Business Loans: How to Qualify & Best Options](https://primerates.com/business-loans/500k-business-loans/): Compare $500,000 business loans: SBA 504, SBA 7(a) and Express, bank, and equipment financing. See total costs, monthly payments, and how to qualify.
- [Best Credit Cards for No Credit History: Your First Card Guide for 2026](https://primerates.com/credit-cards/no-credit/): Best credit cards for no credit history in 2026. Compare student, secured, and starter cards. See your timeline from zero to 700+ credit score and the 5 rule...
- [Best Egg Personal Loans Review 2026](https://primerates.com/personal-loans/best-egg-review/): Best Egg personal loan review with secured and unsecured options, APRs from 8.99%-35.99%, home improvement financing, and how Best Egg compares to SoFi and U...
- [Best Personal Loans for Debt Consolidation in 2026](https://primerates.com/personal-loans/debt-consolidation/): Compare the best personal loans for debt consolidation. Use our calculator, review lender rates, and find when consolidation saves money in 2026.
- [Best Personal Loans for Bad Credit](https://primerates.com/personal-loans/bad-credit/): Compare personal loans for bad credit scores (550-669). See real APR ranges by credit tier, lender requirements, and tips to improve your approval odds.
- [Savings Rates: How High-Yield Savings Accounts Work and What They Pay](https://primerates.com/savings-rates/): Savings Rates: How High-Yield Savings Accounts Work and What They Pay
- [Best Visa Credit Cards: Top Picks Across the World’s Largest Network in 2026](https://primerates.com/credit-cards/visa/): Best Visa credit cards for 2026: cash back, travel, 0% APR, and credit building picks. See Visa tier perks, built-in protections, and how Visa compares to Ma...
- [Best Food Truck Financing Options & Loans](https://primerates.com/business-loans/food-truck-financing-loans/): Food truck financing and loans guide. Compare equipment financing, SBA microloans, and startup options. See real costs ($50K–$200K) and what lenders want i...
- [$3,000 Business Loans: Best Microloan Options](https://primerates.com/business-loans/3000-business-loans/): Compare $3,000 business loans: SBA microloans, Kiva, 0% APR credit cards, and online lenders. See total costs and avoid predatory MCAs.

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Last updated: 2026-07-05 08:00:04 EDT