Loan Rate Tracker
Updated June 12, 2026 · Refreshed weekly from Federal Reserve data · Cite freely with a link
These six benchmarks drive what you pay to borrow. The first three move daily and tell you which way rates are heading; the bottom three are the Fed's quarterly survey of what banks actually charge consumers.
The Fed’s policy rate — the anchor every consumer rate prices off.
As of 2026-06-10
The base rate banks charge their best customers; many card APRs are priced as prime plus a margin.
As of 2026-06-10
The market’s long-term rate expectation; tends to move ahead of consumer loan pricing.
As of 2026-06-10
The headline average personal loan rate from the Fed’s bank survey.
As of 2026 Q1
Average stated APR across all bank credit card accounts.
As of 2026 Q1
The rate actually paid by cardholders who carry a balance.
As of 2026 Q1
How to use this page
Benchmarks set the floor; your credit profile sets your distance from it. The 24-month personal loan average blends every borrower together — realistic ranges by credit tier are on our personal loan rates page. The roughly ten-point gap between personal loan APRs and card APRs is the math behind debt consolidation; test your own numbers in the consolidation calculator.
Sources
Daily benchmarks: Federal Reserve H.15 Selected Interest Rates. Consumer rates: Federal Reserve G.19 Consumer Credit (quarterly bank survey). Retrieved via FRED/DBnomics. Figures are not offers; the rate any lender quotes you is governed by their disclosed terms.