> For the complete documentation index, see [llms.txt](https://diligentdeer.gitbook.io/notional-finance-guide/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://diligentdeer.gitbook.io/notional-finance-guide/fcash-finances/risks-subject-to-the-change-in-rates/the-upside-of-the-change-in-rates.md). # The upside of the change in Rates We have already seen how a change in rates can be loss-making for a user. But it is equally likely that the rates change in favor of the users rather than otherwise. This example would make a lot of sense to describe the above scenario: Let us assumes the entry interest to be 5% and the exit interest rate to be 4% at the time of exit. You held the position for 3 months. In this case, you would accrue a better yield of 6.69% than what was promised i.e. 5%:

Moreover, the quoted APY is guaranteed even if the interest rates change and don't change in your favor. Even if we take a deviation of 2% in the interest rate, the quoted APY is delivered to the lender. Let us assumes the entry interest to be 5% and the exit interest rate to be 7% at the time of exit. You held the position till maturity. In this case, you would accrue the promised APY i.e. 5% - fees.