Quick answer
The US bank prime loan rate was 7.00% as of 2026-10-13, per the Federal Reserve H.15 release. Many credit cards, HELOCs and variable loans are priced as prime plus a margin.
Data as of 2026-10-13. Source: Federal Reserve H.15 via FRED
| Date | Prime rate |
|---|---|
| 2026-10-13 | 7.00% |
| 2026-10-12 | 7.00% |
| 2026-10-09 | 7.00% |
| 2026-10-08 | 7.00% |
| 2026-10-07 | 7.00% |
| 2026-10-06 | 7.00% |
| 2026-10-05 | 7.00% |
| 2026-10-02 | 7.00% |
| 2026-10-01 | 7.00% |
| 2026-09-30 | 7.00% |
| 2026-09-29 | 7.00% |
| 2026-09-28 | 7.00% |
| 2026-09-25 | 7.00% |
| 2026-09-24 | 7.00% |
| 2026-09-23 | 7.00% |
| 2026-09-22 | 7.00% |
| 2026-09-21 | 7.00% |
| 2026-09-18 | 7.00% |
| 2026-09-17 | 7.00% |
| 2026-09-16 | 6.75% |
Related
- Average car loan interest rate (new car, 60 and 48 months)
- Federal funds target rate (upper limit)
- Average personal loan interest rate (24-month, commercial banks)
Last updated 2026-10-16. Data only, not financial or tax advice.