Discover how banks set loan interest rates, from Federal Reserve policies to market trends and borrower creditworthiness, for better financial decisions.

The authors do not work for, consult, own shares in or receive funding from any company or organization that would benefit from this article, and have disclosed no relevant affiliations beyond their ...

Free stuff is great, but it often comes with a catch. So are free bank accounts actually free, and if they are, how does the bank make money? What is a "free" bank account? If you ever see a bank ...