About TrustCedar

Who runs TrustCedar

TrustCedar is an independent website at trustcedar.com. Our mailing address is 1940 Fountain View Dr, Suite 308, Houston, TX 77057, United States. You can write to us through the contact page or at contact@trustcedar.com.

The pages are written and maintained by the TrustCedar Rate Desk. That is the byline on every article. We do not put invented names, photos or job titles on the site, and we do not claim credentials no one holds.

What you will find here

• The rate board. A short list of published benchmarks: the federal funds target range set by the Federal Reserve, the bank prime rate and the 10-year Treasury yield from the Fed’s H.15 release, the average 24-month personal loan rate and credit card rates from the Fed’s G.19 consumer credit release, Freddie Mac’s 30-year fixed mortgage average, and the Bureau of Labor Statistics consumer price index. Each row shows its value, its date and its source. We copy the figures by hand. They are not live and they are not offers.
• The rate desk. How a personal loan APR is put together from those benchmarks, and what it means for the payment on one loan.
• Head to head. A personal loan set beside one alternative at a time, such as a credit card, a home equity line or a 401(k) loan, with the same dollar amount worked through both routes. When the alternative costs less, the page says so.
• Market signals. What a Fed meeting, a CPI report or a jobs report can change for someone who plans to borrow.
• Run the numbers. Four calculators: rate change, loan vs. card payoff, refinance break-even and real cost after inflation. They run in your browser and send nothing to us. The formulas are on How the numbers work.

What TrustCedar is not

TrustCedar does not lend money and is not a bank. It does not negotiate a loan on your behalf, it is not a government agency, and it does not make credit decisions. We never quote a rate to you. A lender sets your rate after it reviews your application, and that rate can differ from every average on this site.

Nothing here is financial, legal, tax or investment advice. The pages explain how the numbers work so you can ask better questions of the companies you deal with. The disclaimer says this in full.

About the name

“Trust” in TrustCedar is part of a brand name. It does not mean we are a trust company, that we hold a trust charter, or that we act as a fiduciary for anyone. We do not hold or manage money for visitors. The licensing page explains what we are and how to check the companies that may contact you.

How the pages are made

Every figure on the site comes from a source we name on the same page. We start from primary sources: the Federal Reserve, the Bureau of Labor Statistics, the Treasury, the Consumer Financial Protection Bureau, the NCUA, the IRS and the regulations themselves. Each article shows the date it was last updated and a note with the date we checked its facts against those sources. Worked examples are computed with the formulas we publish, and they are labeled as examples.

The editorial policy covers our sources, dates, independence and corrections in detail. Changes to rules and rates that we track are logged on the news desk.

How the site pays for itself

TrustCedar earns money in one way. If you send a personal loan request through our form, we pass it to lenders and loan brokers, and they pay us for requests. You pay nothing. That payment does not change what our articles say or what the calculators show. We run no ads, no affiliate links and no paid placements. Details are on How we make money.

Report an error or reach us

If a number looks wrong, a source has moved or a page is out of date, tell us through the contact page and choose “A page on the site.” Include the page address and what you think is wrong. We check the report against the source and correct the page if we got it wrong.

We cannot review your finances or tell you which loan to take, but we read every message about the site.