Home RatesPrime Rate

No weekly change

Prime Rate Tracker

Track the benchmark that influences many HELOCs, credit cards, and variable-rate loans.

Prime rate

6.63%

Benchmark average

6.63%

User opportunity

25 bps can matter on large balances

Historical archive

Prime Rate over time

No weekly change

3 mo

6.58%

30 d

6.69%

Today

6.58%

What changed

Rates are holding steady, which makes comparison discipline more important than timing.

Why it matters

How exposed am I to variable rates?

What to do next

Estimate variable-rate payments before borrowing or consolidating.

How we track this rateShow

SourceDerived from Fed Funds + 3% (WSJ prime rate convention)

MethodPrime rate is the Federal Funds Effective Rate plus 3%, per Wall Street Journal prime rate convention. Updates with each Fed policy meeting. Most HELOCs, credit cards, and variable-rate loans are indexed to prime.

Verified existing coverage

Use what SwitchWize already has

3 links

GuideHELOC vs Home Equity Loan: How to Pick the Right OneHELOC vs home equity loan compared: fixed vs variable rates, draw flexibility, closing costs, and a clear decision framework to match the right product to your goal.CalculatorHELOC Payment CalculatorCalculate your draw-period interest-only payment, the jump to fully amortizing repayment, and how a 2-point rate rise changes both. See the payment shock before you commit.BenchmarkBenchmark pageExisting SwitchWize market context connected to this benchmark.

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Benchmark

Fed Funds

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Fed funds midpoint

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Benchmark

10-Year Treasury

-6bps this week

4.15%

10-year Treasury yield

Follow the market yield that often influences mortgage pricing and long-term rate sentiment.

Product rate

Card APRs

No weekly change

24.99% APR

Typical purchase APR

Track credit card APR pressure and see when balance transfer or debt payoff actions may save money.

Product rate

HELOC Rates

No weekly change

8.20% APR

Best HELOC APR

Track HELOC APR movement and see how prime-rate changes can flow into variable home-equity borrowing.