> ## Documentation Index
> Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Retrieve account interest tier

> Retrieves the current interest tier and rate for the specified account.

GET/v3/interestaccounts/interesttiers/accounts/\{account\_token}

Retrieves the current interest tier and rate for the specified account.

## URL path parameters

| Fields | Description |
| - | - |
| account\_token string  Required | Unique identifier of the account, as returned by the `POST /v4/depositaccounts` endpoint. **Allowable Values:**  Existing account token |

## Response body

| Fields | Description |
| - | - |
| account\_token string  Returned | Unique identifier of the account, as returned by the `POST /v4/depositaccounts` endpoint. **Allowable Values:**  Example: `a1b2c3d4-e5f6-7890-abcd-ef1234567890`  36 char max |
| interest\_tier object  Returned | The interest tier currently assigned to the account. **Allowable Values:**  `token`, `description`, `name`, `type`, `current_rate`, `default`, `created_time`, `updated_time` |
| interest\_tier.**token** string  Conditionally returned | Unique identifier of the interest tier. **Allowable Values:**  Example: `3f5e1b2a-8d4c-4e9b-a1f6-2c7d0e3b9a45`  36 char max |
| interest\_tier.**description** string  Conditionally returned | Human-readable description of the interest tier. **Allowable Values:**  Example: Premium savings tier with higher interest rates.  255 char max |
| interest\_tier.**name** string  Conditionally returned | Display name of the interest tier. **Allowable Values:**  Example: Premium Savings  255 char max |
| interest\_tier.**type** string  Conditionally returned | Account type associated with the interest tier. **Allowable Values:**  `CHECKING`, `SAVINGS` |
| interest\_tier.**current\_rate** object  Conditionally returned | The most recent rate with an effective date on or before today. Not included in responses from the create interest tier endpoint. Always present in retrieve and list responses. **Allowable Values:**  `note`, `account_rate`, `effective_rate`, `effective_date`, `created_time`, `updated_time` |
| interest\_tier.current\_rate.**note** string  Conditionally returned | Optional note describing the reason for the rate change. **Allowable Values:**  Example: Q3 2026 rate adjustment.  255 char max |
| interest\_tier.current\_rate.**account\_rate** decimal  Conditionally returned | The gross interest rate, also known as the nominal interest rate. This is the base rate, calculated without compounding. **Allowable Values:**  0–100 |
| interest\_tier.current\_rate.**effective\_rate** decimal  Conditionally returned | The effective interest rate, also known as the annual percentage yield (APY) or annual equivalent rate (AER) — the daily compounding rate applied to the account's balance. **Allowable Values:**  0–100 |
| interest\_tier.current\_rate.**effective\_date** string  Conditionally returned | Date the rate takes effect. **Allowable Values:**  Format: yyyy-MM-dd |
| interest\_tier.current\_rate.**created\_time** datetime  Conditionally returned | Date and time when the rate was created, in UTC. **Allowable Values:**  Example: 2026-01-15T09:00:00Z  Format: yyyy-MM-ddThh:mm:ssZ |
| interest\_tier.current\_rate.**updated\_time** datetime  Conditionally returned | Date and time when the rate was last updated, in UTC. **Allowable Values:**  Example: 2026-06-01T12:00:00Z  Format: yyyy-MM-ddThh:mm:ssZ |
| interest\_tier.**default** boolean  Conditionally returned | A value of `true` indicates this is the default tier for its account type. **Allowable Values:**  Example: `true`  `true`, `false` |
| interest\_tier.**created\_time** datetime  Conditionally returned | Date and time when the interest tier was created, in UTC. **Allowable Values:**  Example: 2026-01-15T09:00:00Z  Format: yyyy-MM-ddThh:mm:ssZ |
| interest\_tier.**updated\_time** datetime  Conditionally returned | Date and time when the interest tier was last updated, in UTC. **Allowable Values:**  Example: 2026-06-01T12:00:00Z  Format: yyyy-MM-ddThh:mm:ssZ |

## Sample response body

Account enrolled in checking interest tier

```json JSON expandable lines wrap theme={null}
{
  "account_token": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "interest_tier": {
    "token": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "name": "Standard Checking",
    "description": "Standard interest tier for checking accounts.",
    "type": "CHECKING",
    "default": true,
    "created_time": "2026-01-15T09:00:00Z",
    "updated_time": "2026-06-01T12:00:00Z",
    "current_rate": {
      "account_rate": 3.75,
      "effective_rate": 3.82,
      "effective_date": "2026-07-01",
      "created_time": "2026-06-01T12:00:00Z",
      "updated_time": "2026-06-01T12:00:00Z"
    }
  }
}
```

Account enrolled in savings interest tier

```json JSON expandable lines wrap theme={null}
{
  "account_token": "b2c3d4e5-f6a7-8901-bcde-f12345678901",
  "interest_tier": {
    "token": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
    "name": "Premium Savings",
    "description": "Premium savings tier with higher interest rates.",
    "type": "SAVINGS",
    "default": true,
    "created_time": "2026-01-15T09:00:00Z",
    "updated_time": "2026-06-01T12:00:00Z",
    "current_rate": {
      "account_rate": 4.5,
      "effective_rate": 4.6,
      "effective_date": "2026-07-01",
      "created_time": "2026-06-01T12:00:00Z",
      "updated_time": "2026-06-01T12:00:00Z"
    }
  }
}
```

## Error codes

| Error Code | Error Message |
| - | - |
| `404000` | Resource not found |
| `404004` | Cardholder not found by token |
| `500000` | Internal server error |

See [Errors](https://www.marqeta.com/docs/core-api/errors.md) for the complete list of error codes.


## Related topics

- [Interest Tier Accounts Overview](https://www.marqeta.com/docs/core-api/interest-accounts/interest-tier-accounts.md)
- [Interest Accounts Overview](https://www.marqeta.com/docs/core-api/interest-accounts.md)
- [Retrieve interest tier](https://www.marqeta.com/docs/core-api/interest-accounts/interest-tiers/retrieve-tier.md)
- [Retrieve interest tier rate](https://www.marqeta.com/docs/core-api/interest-accounts/interest-tier-rates/retrieve-tier-rate.md)
- [Add account to interest tier](https://www.marqeta.com/docs/core-api/interest-accounts/interest-tier-accounts/add-tier.md)