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USE AS A FINANCIAL BENCHMARK MAY BE RESTRICTED. SEE {DOCS #2084680}. The Bloomberg Prime Rate will change as soon as 13 out of the Top 25 banks The prime rate explained. The prime rate is a key lending rate used to set many variable interest rates, such as the rates on credit cards.. The current prime rate is 3.25%.After the Federal Reserve responded to the worsening coronavirus crisis by slashing interest rates one full percentage point to near zero on March 15, major banks led by Chase and M&T lowered the prime in similar fashion

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