Yes, at the very bottom (top?) of this food chain, you see banks taking a spread between their loan rates and the Federal Funds Rate. https://en.wikipedia.org/w

Yes, at the very bottom (top?) of this food chain, you see banks taking a spread between their loan rates and the Federal Funds Rate. https://en.wikipedia.org/wiki/Federal_funds_rate https://en.wikipedia.org/wiki/Federal_funds_rate