Interest rate is set by Witnesses. I don't exactly remember the inner workings. Median interest rate of top 20 Witnesses could be 19%. It is best to ask someone more knowledgeable.
https://peakd.com/me/witnesses
Posted via D.Buzz
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Thanks for the comment, now I can see where the APR determined at least. Seems the HBD saving APR just went up to 20% again.
