The interest rate as posted to the website is expressed as an annual percentage rate, however the rate for any one currency is based upon a benchmark that can change daily. As a result, the margin loan rate posted on any one day may not be the exact rate that an account holder would be charged if they were to manage a loan for an entire year.  Similarly, the credit rate posted on any one day may not be the exact rate that an account holder would be receive if they were to manage a credit, or long cash balance, for an entire year.