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Prime Rate History
Reference TableUS Prime Rate from 2010 to 2025 — the benchmark for HELOCs, credit cards, and variable loans.
About This Tool
The prime rate is typically set at the federal funds target rate plus 3 percentage points. Banks use it as a benchmark for variable-rate products. A 0.25% Fed rate change immediately raises or lowers payments on prime-based HELOCs and credit cards.