How the Fed’s Interest Rate Decision Affects Credit Cards, Loans and More
Published . Updated .
The Federal Reserve is widely expected to leave its benchmark rate untouched, but a December hike could make holiday borrowing more costly.
Directly affected
- No company is named in this report.
Indirectly affected
- XLF Financial Select Sector SPDR-3.5% 30d
Financial Select Sector SPDR: it holds banks. Linked by “credit” (banks) in this story.
- KRE SPDR S&P Regional Banking ETF-4.4% 30d
SPDR S&P Regional Banking ETF: it holds banks. Linked by “credit” (banks) in this story.
- TLT iShares 20+ Year Treasury Bond ETF-1.8% 30d
iShares 20+ Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “fed” (US interest rates) in this story.
- JPM JPMorgan Chase-3.8% 30d
JPMorgan Chase (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “credit” (banks) in this story.
- BAC Bank of America-12.5% 30d
Bank of America (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “credit” (banks) in this story.
- WFC Wells Fargo-5.0% 30d
Wells Fargo (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “credit” (banks) in this story.
- C Citigroup-7.8% 30d
Citigroup (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “credit” (banks) in this story.
- DHI D.R. Horton+5.5% 30d
D.R. Horton (operative builders): rate changes move lenders' margins and borrowers' demand. Linked by “fed” (US interest rates) in this story.
Price reaction, T-5 to T+3
| Ticker | T-5 | T-3 | T-1 | T0 | T+1 | T+2 | T+3 |
|---|---|---|---|---|---|---|---|
| XLF | +0.25% | +0.04% | base | +0.52% | after close | after close | after close |
| KRE | -2.70% | -0.16% | base | -0.84% | after close | after close | after close |
| TLT | -1.71% | -0.37% | base | -0.40% | after close | after close | after close |
| JPM | -0.20% | -1.26% | base | +1.17% | after close | after close | after close |
| BAC | +0.28% | -0.24% | base | +0.77% | after close | after close | after close |
| WFCNo price data for this ticker | — | — | — | — | — | — | — |
| CNo price data for this ticker | — | — | — | — | — | — | — |
| DHINo price data for this ticker | — | — | — | — | — | — | — |
Closing-price change versus T-1, the last close before the story. T0 to T+3 fill in after each market close. Prices: Alpaca IEX.
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The Federal Reserve is widely expected to leave its benchmark rate untouched, but a December hike could make holiday borrowing more costly.
Source: The New York Times
This story
| Company | When | Move | Status |
|---|---|---|---|
| BAC | that day | +0.77% | still updating |
| BAC | three days earlier | -0.24% | final price |
| BAC | five days earlier | +0.28% | final price |
| JPM | that day | +1.17% | still updating |
| JPM | three days earlier | -1.26% | final price |
| JPM | five days earlier | -0.20% | final price |
| KRE | that day | -0.84% | still updating |
| KRE | three days earlier | -0.16% | final price |
| KRE | five days earlier | -2.70% | final price |
| TLT | that day | -0.40% | still updating |
| TLT | three days earlier | -0.37% | final price |
| TLT | five days earlier | -1.71% | final price |
| XLF | that day | +0.52% | still updating |
| XLF | three days earlier | +0.04% | final price |
| XLF | five days earlier | +0.25% | final price |
Trades by members of Congress and officials in the stocks in this story
- Sen. Sheldon Whitehouse sold Jpmorgan Chase (JPM) (held by a spouse), worth $15,001 - $50,000 on 4 Sep 2026. That is 54 days before publication. Filed 1 Oct 2026. View the filing.
- Sen. Sheldon Whitehouse sold Jpmorgan Chase (JPM), worth $15,001 - $50,000 on 4 Sep 2026. That is 54 days before publication. Filed 1 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Jpmorgan Chase (JPM) (held by a spouse), worth $100,001 - $250,000 on 27 Aug 2026. That is 62 days before publication. Filed 4 Sep 2026. View the filing.
- Rep. Rohit Khanna sold Bank Of America (BAC) (held by a spouse), worth $1,001 - $15,000 on 9 Sep 2026. That is 49 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Laurel Lee sold Bank Of America (BAC) (held by a spouse), worth $50,001 - $100,000 on 24 Aug 2026. That is 65 days before publication. Filed 16 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a spouse), worth $1,001 - $15,000 on 25 Sep 2026. That is 33 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a dependent child), worth $15,001 - $50,000 on 17 Sep 2026. That is 41 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a dependent child), worth $1,001 - $15,000 on 15 Sep 2026. That is 43 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Maria Elvira Salazar sold Citigroup (C), worth $1,001 - $15,000 on 24 Sep 2026. That is 34 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Citigroup (C) (held by a spouse), worth $1,001 - $15,000 on 4 Sep 2026. That is 54 days before publication. Filed 7 Oct 2026. View the filing.
- Donald J Trump, an executive branch official, bought Horton D R (DHI), worth $15,001 - $50,000 on 17 Aug 2026. That is 72 days before publication. Filed 8 Oct 2026. View the filing.
Public disclosure filings, not a recommendation. The filing link is the source document. News use of these reports still sits under 5 U.S.C. § 13107(c).
This story
12 out of 100Price not final
“How the Fed’s Interest Rate Decision Affects Credit Cards, Loans and More” scores 12 out of 100. The score uses 1 sources. The price is not final yet.