# Choosing an Interest Rate Earn helps you compare available vault options across supported providers so you can select the interest rate model and terms that best fit your needs before staking your assets. ### What Borrow displays during loan creation When staking into a vault, Earn presents: * the current interest rate offered by each vault * whether the rate is variable or fixed (if available) * the required asset for the chosen loan * any fees included in staking This allows you to evaluate opportunity, predictability, and risk across vaults. ### Choosing a variable (floating) rate A variable rate may suit you if: * you want the highest possible rate today * you’re comfortable with rates that may move * you expect increasing yield Considerations * variable rates can decrease during market volatility * decreased interest rates affect estimated earnings * stakers should track how rate movement affects their overall finance strategy ### Choosing a fixed rate A fixed rate may suit you if: * you prefer predictable staking yield * you want to avoid fluctuations during volatility * you are risk-averse or running a loan-yield strategy Considerations: * fixed rates may be lower than variable rates * availability depends entirely on the vault provider * fixed-rate yield are less common in crypto markets ### After your asset is staked Once active: * your interest rate follows the model defined by the vault * variable rates may move up or down over time * Earn displays your current APY and value locked in the dashboard ### Earn’s role Earn provides visibility and comparison tools when you stake assets. Rate management decisions remain with the user. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.satsterminal.com/earn/security-and-risk/choosing-an-interest-rate.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.