Big banks have money. They do not change their money rates. Prices are going up. This is why rates stay the same.
The Bank of England keeps its rate. It is 3.75%. The US bank does this too. Other banks may do the same.
The Bank of England is sad. Prices are high. This is not good. The economy is slow.
The US bank also keeps its rate. They want prices to go down. They want to help with prices.
China is doing new things. They want more energy. They will make more coal. This can change things.