> ## 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 interest tier rate

> Retrieves the interest rate for a specific tier on the given effective date.

GET/v3/interestaccounts/interesttiers/\{interest\_tier\_token}/rates/\{rate\_effective\_date}

Retrieves the interest rate for a specific tier on the given effective date.

## URL path parameters

| Fields | Description |
| - | - |
| interest\_tier\_token string  Required | Unique identifier of the interest tier, as returned by the `POST /v3/interestaccounts/interesttiers` endpoint. **Allowable Values:**  Existing interest tier token |
| rate\_effective\_date string  Required | Date on which the interest rate takes effect. **Allowable Values:**  Format: yyyy-MM-dd |

## Response body

| Fields | Description |
| - | - |
| note string  Conditionally returned | Optional note describing the reason for the rate change. **Allowable Values:**  Example: Q3 2026 rate adjustment.  255 char max |
| account\_rate decimal  Returned | The gross interest rate, also known as the nominal interest rate. This is the base rate, calculated without compounding. **Allowable Values:**  0–100 |
| 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 |
| effective\_date string  Returned | Date the rate takes effect. **Allowable Values:**  Format: yyyy-MM-dd |
| created\_time datetime  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 |
| updated\_time datetime  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 |

## Sample response body

```json JSON expandable lines wrap theme={null}
{
  "account_rate": 3.75,
  "effective_rate": 3.82,
  "effective_date": "2026-07-01",
  "note": "Q3 2026 rate adjustment.",
  "created_time": "2026-06-01T12:00:00Z",
  "updated_time": "2026-06-01T12:00:00Z"
}
```

## Error codes

| Error Code | Error Message |
| - | - |
| `400001` | Invalid input(s) detected |

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


## Related topics

- [Interest Tier Rates Overview](https://www.marqeta.com/docs/core-api/interest-accounts/interest-tier-rates.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 account interest tier](https://www.marqeta.com/docs/core-api/interest-accounts/interest-tier-accounts/retrieve-account-interest-tier.md)
- [List interest tier rates](https://www.marqeta.com/docs/core-api/interest-accounts/interest-tier-rates/list-tier-rates.md)