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Rates

TrustCedar

Rate board checked Houston, Texas Published benchmarks, not offers

Trust the numbers, not the pitch.

A personal loan's APR is built from rates you can look up. TrustCedar shows you those rates with their dates, explains how they reach your offer, and puts a loan next to the other ways to borrow.

When you're ready, one short request goes to lenders and loan brokers. You compare what comes back and decide.

Start a loan request Read the rate desk

The rate board

Checked

FFR Fed funds target range
3.75%–4.00%
No change: held; raised 0.25 pt on Sep 16 · set at the FOMC meeting of Oct 28, 2026 · source: Federal Reserve, FOMC statement, October 28, 2026
PRIME Bank prime rate
7.00%
No change: unchanged since Sep 2026 · on Nov 9, 2026 · source: Federal Reserve H.15 via FRED (DPRIME)
PL24 24-month personal loan, bank average
11.90%
Up: from 11.86% in Q2 · Q3 2026 survey, published Nov 6 · source: Federal Reserve G.19 Consumer Credit, November 6, 2026
CARD Credit card APR, accounts paying interest
22.36%
Up: from 22.15% in Q2 · Q3 2026, published Nov 6 · source: Federal Reserve G.19 Consumer Credit, November 6, 2026
UST10 10-year Treasury yield
4.88%
Up: from 4.86% the session before · close of Nov 9, 2026 · source: Federal Reserve H.15 via FRED (DGS10)
MTG30 30-year fixed mortgage average
7.18%
Down: from 7.24% a week earlier · week ending Nov 5, 2026 · source: Freddie Mac Primary Mortgage Market Survey
CPI Consumer prices, 12 months to September
3.7%
Up: from 3.4% through August · BLS release of Oct 14, 2026 · source: Bureau of Labor Statistics, CPI release for September 2026

Published benchmarks and averages, not loan offers. Your APR depends on your credit, income, debts and the lender. How these numbers reach your loan

News

How a rate travels

Four steps from the Fed's meeting room to the APR on your offer

  1. 1

    The Fed sets an overnight rate

    Banks lend reserves to each other overnight at the federal funds rate.

  2. 2

    Banks price off it

    The prime rate follows the Fed's move, and many card APRs follow prime.

  3. 3

    Markets price the years ahead

    Treasury yields set what fixed-rate money costs a lender for two to five years.

  4. 4

    Your file sets the spread

    Credit, income and debts decide how far above those costs your APR lands.

The three desks

Rate desk

What a lender stacks on top of the Fed's rate before your offer arrives, and when timing matters.

Head to head

A personal loan set against cards, BNPL, a HELOC, a 401(k) loan and a loan from family, on the same terms.

Market signals

The Fed meeting, the CPI and the jobs report, read for what they change about borrowing.

Run the numbers

Your loan, at today's rate and the next one

All calculators

Put your loan on the board

Five quick answers and your contact details. TrustCedar passes the request to lenders and loan brokers; compare the APRs that come back against the rate board, and say no to any of them.

  1. 1 The amount, the purpose, your credit range, your timing and ZIP code.
  2. 2 Your name, phone, email and consent to be contacted.
  3. 3 A lender or loan broker may reply with an offer. No loan exists until you sign one.

Step 1 of 2

The loan on your desk

Any whole-dollar amount from $1,000 to $50,000.

Your credit, roughly
When you need the money

You pay TrustCedar nothing. The lenders and loan brokers who contact you set their own rates, fees and terms, and decide on credit themselves. How we make money.