[
 {
  "id": "ibkr-pro:0",
  "broker_id": "ibkr-pro",
  "broker": "Interactive Brokers IBKR Pro",
  "balance_from": 0,
  "balance_to": 100000,
  "rate_percent": 5.38,
  "how_set": "BM + 1.5%",
  "charged_on": "slice of the balance in this tier",
  "base_name": "IBKR USD Reference Benchmark (BM)",
  "base_percent": 3.88,
  "base_as_of": "2026-10-22",
  "schedule_date": null,
  "checked": "2026-10-24",
  "live_series": "IBKR_USD",
  "source_url": "https://www.interactivebrokers.com/en/trading/margin-rates.php"
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 {
  "id": "ibkr-pro:100000",
  "broker_id": "ibkr-pro",
  "broker": "Interactive Brokers IBKR Pro",
  "balance_from": 100000,
  "balance_to": 1000000,
  "rate_percent": 4.88,
  "how_set": "BM + 1%",
  "charged_on": "slice of the balance in this tier",
  "base_name": "IBKR USD Reference Benchmark (BM)",
  "base_percent": 3.88,
  "base_as_of": "2026-10-22",
  "schedule_date": null,
  "checked": "2026-10-24",
  "live_series": "IBKR_USD",
  "source_url": "https://www.interactivebrokers.com/en/trading/margin-rates.php"
 },
 {
  "id": "ibkr-pro:1000000",
  "broker_id": "ibkr-pro",
  "broker": "Interactive Brokers IBKR Pro",
  "balance_from": 1000000,
  "balance_to": 50000000,
  "rate_percent": 4.63,
  "how_set": "BM + 0.75%",
  "charged_on": "slice of the balance in this tier",
  "base_name": "IBKR USD Reference Benchmark (BM)",
  "base_percent": 3.88,
  "base_as_of": "2026-10-22",
  "schedule_date": null,
  "checked": "2026-10-24",
  "live_series": "IBKR_USD",
  "source_url": "https://www.interactivebrokers.com/en/trading/margin-rates.php"
 },
 {
  "id": "ibkr-pro:50000000",
  "broker_id": "ibkr-pro",
  "broker": "Interactive Brokers IBKR Pro",
  "balance_from": 50000000,
  "balance_to": 250000000,
  "rate_percent": 4.38,
  "how_set": "BM + 0.5%",
  "charged_on": "slice of the balance in this tier",
  "base_name": "IBKR USD Reference Benchmark (BM)",
  "base_percent": 3.88,
  "base_as_of": "2026-10-22",
  "schedule_date": null,
  "checked": "2026-10-24",
  "live_series": "IBKR_USD",
  "source_url": "https://www.interactivebrokers.com/en/trading/margin-rates.php"
 },
 {
  "id": "ibkr-pro:250000000",
  "broker_id": "ibkr-pro",
  "broker": "Interactive Brokers IBKR Pro",
  "balance_from": 250000000,
  "balance_to": null,
  "rate_percent": 4.38,
  "how_set": "BM + 0.5%",
  "charged_on": "slice of the balance in this tier",
  "base_name": "IBKR USD Reference Benchmark (BM)",
  "base_percent": 3.88,
  "base_as_of": "2026-10-22",
  "schedule_date": null,
  "checked": "2026-10-24",
  "live_series": "IBKR_USD",
  "source_url": "https://www.interactivebrokers.com/en/trading/margin-rates.php"
 },
 {
  "id": "ibkr-lite:0",
  "broker_id": "ibkr-lite",
  "broker": "Interactive Brokers IBKR Lite",
  "balance_from": 0,
  "balance_to": null,
  "rate_percent": 6.38,
  "how_set": "BM + 2.5%",
  "charged_on": "whole balance",
  "base_name": "IBKR USD Reference Benchmark (BM)",
  "base_percent": 3.88,
  "base_as_of": "2026-10-22",
  "schedule_date": null,
  "checked": "2026-10-24",
  "live_series": "IBKR_USD",
  "source_url": "https://www.interactivebrokers.com/en/trading/margin-rates.php"
 },
 {
  "id": "schwab:100",
  "broker_id": "schwab",
  "broker": "Charles Schwab",
  "balance_from": 100,
  "balance_to": 24999.99,
  "rate_percent": 12.075,
  "how_set": "Base Rate + 1.825%",
  "charged_on": "whole balance",
  "base_name": "Schwab base rate",
  "base_percent": 10.25,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 18, 2026 (base rate last changed)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://www.schwab.com/margin/margin-rates-and-requirements"
 },
 {
  "id": "schwab:25000",
  "broker_id": "schwab",
  "broker": "Charles Schwab",
  "balance_from": 25000,
  "balance_to": 49999.99,
  "rate_percent": 11.575,
  "how_set": "Base Rate + 1.325%",
  "charged_on": "whole balance",
  "base_name": "Schwab base rate",
  "base_percent": 10.25,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 18, 2026 (base rate last changed)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://www.schwab.com/margin/margin-rates-and-requirements"
 },
 {
  "id": "schwab:50000",
  "broker_id": "schwab",
  "broker": "Charles Schwab",
  "balance_from": 50000,
  "balance_to": 99999.99,
  "rate_percent": 10.625,
  "how_set": "Base Rate + 0.375%",
  "charged_on": "whole balance",
  "base_name": "Schwab base rate",
  "base_percent": 10.25,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 18, 2026 (base rate last changed)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://www.schwab.com/margin/margin-rates-and-requirements"
 },
 {
  "id": "schwab:100000",
  "broker_id": "schwab",
  "broker": "Charles Schwab",
  "balance_from": 100000,
  "balance_to": 249999.99,
  "rate_percent": 10.575,
  "how_set": "Base Rate + 0.325%",
  "charged_on": "whole balance",
  "base_name": "Schwab base rate",
  "base_percent": 10.25,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 18, 2026 (base rate last changed)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://www.schwab.com/margin/margin-rates-and-requirements"
 },
 {
  "id": "schwab:250000",
  "broker_id": "schwab",
  "broker": "Charles Schwab",
  "balance_from": 250000,
  "balance_to": 499999.99,
  "rate_percent": 10.325,
  "how_set": "Base Rate + 0.075%",
  "charged_on": "whole balance",
  "base_name": "Schwab base rate",
  "base_percent": 10.25,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 18, 2026 (base rate last changed)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://www.schwab.com/margin/margin-rates-and-requirements"
 },
 {
  "id": "fidelity:0",
  "broker_id": "fidelity",
  "broker": "Fidelity",
  "balance_from": 0,
  "balance_to": 24999,
  "rate_percent": 12.075,
  "how_set": "1.250% above base rate",
  "charged_on": "whole balance",
  "base_name": "Fidelity base margin rate",
  "base_percent": 10.825,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 18, 2026 (base rate effective)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://www.fidelity.com/trading/margin-loans/margin-rates"
 },
 {
  "id": "fidelity:25000",
  "broker_id": "fidelity",
  "broker": "Fidelity",
  "balance_from": 25000,
  "balance_to": 49999,
  "rate_percent": 11.575,
  "how_set": "0.750% above base rate",
  "charged_on": "whole balance",
  "base_name": "Fidelity base margin rate",
  "base_percent": 10.825,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 18, 2026 (base rate effective)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://www.fidelity.com/trading/margin-loans/margin-rates"
 },
 {
  "id": "fidelity:50000",
  "broker_id": "fidelity",
  "broker": "Fidelity",
  "balance_from": 50000,
  "balance_to": 99999,
  "rate_percent": 10.625,
  "how_set": "0.200% below base rate",
  "charged_on": "whole balance",
  "base_name": "Fidelity base margin rate",
  "base_percent": 10.825,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 18, 2026 (base rate effective)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://www.fidelity.com/trading/margin-loans/margin-rates"
 },
 {
  "id": "fidelity:100000",
  "broker_id": "fidelity",
  "broker": "Fidelity",
  "balance_from": 100000,
  "balance_to": 249999,
  "rate_percent": 10.575,
  "how_set": "0.250% below base rate",
  "charged_on": "whole balance",
  "base_name": "Fidelity base margin rate",
  "base_percent": 10.825,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 18, 2026 (base rate effective)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://www.fidelity.com/trading/margin-loans/margin-rates"
 },
 {
  "id": "fidelity:250000",
  "broker_id": "fidelity",
  "broker": "Fidelity",
  "balance_from": 250000,
  "balance_to": 499999,
  "rate_percent": 10.325,
  "how_set": "0.500% below base rate",
  "charged_on": "whole balance",
  "base_name": "Fidelity base margin rate",
  "base_percent": 10.825,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 18, 2026 (base rate effective)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://www.fidelity.com/trading/margin-loans/margin-rates"
 },
 {
  "id": "vanguard:0",
  "broker_id": "vanguard",
  "broker": "Vanguard",
  "balance_from": 0,
  "balance_to": 19999,
  "rate_percent": 12.25,
  "how_set": "Base rate + 2.50%",
  "charged_on": "whole balance",
  "base_name": "Vanguard base rate",
  "base_percent": 9.75,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 29, 2026 (schedule); base rate September 18, 2026",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://investor.vanguard.com/client-benefits/margin"
 },
 {
  "id": "vanguard:20000",
  "broker_id": "vanguard",
  "broker": "Vanguard",
  "balance_from": 20000,
  "balance_to": 49999,
  "rate_percent": 11.75,
  "how_set": "Base rate + 2.00%",
  "charged_on": "whole balance",
  "base_name": "Vanguard base rate",
  "base_percent": 9.75,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 29, 2026 (schedule); base rate September 18, 2026",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://investor.vanguard.com/client-benefits/margin"
 },
 {
  "id": "vanguard:50000",
  "broker_id": "vanguard",
  "broker": "Vanguard",
  "balance_from": 50000,
  "balance_to": 99999,
  "rate_percent": 11.25,
  "how_set": "Base rate + 1.50%",
  "charged_on": "whole balance",
  "base_name": "Vanguard base rate",
  "base_percent": 9.75,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 29, 2026 (schedule); base rate September 18, 2026",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://investor.vanguard.com/client-benefits/margin"
 },
 {
  "id": "vanguard:100000",
  "broker_id": "vanguard",
  "broker": "Vanguard",
  "balance_from": 100000,
  "balance_to": 249999,
  "rate_percent": 10.75,
  "how_set": "Base rate + 1.00%",
  "charged_on": "whole balance",
  "base_name": "Vanguard base rate",
  "base_percent": 9.75,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 29, 2026 (schedule); base rate September 18, 2026",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://investor.vanguard.com/client-benefits/margin"
 },
 {
  "id": "vanguard:250000",
  "broker_id": "vanguard",
  "broker": "Vanguard",
  "balance_from": 250000,
  "balance_to": 499999,
  "rate_percent": 10.25,
  "how_set": "Base rate + 0.50%",
  "charged_on": "whole balance",
  "base_name": "Vanguard base rate",
  "base_percent": 9.75,
  "base_as_of": "2026-09-18",
  "schedule_date": "September 29, 2026 (schedule); base rate September 18, 2026",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://investor.vanguard.com/client-benefits/margin"
 },
 {
  "id": "etrade:0",
  "broker_id": "etrade",
  "broker": "E*TRADE from Morgan Stanley",
  "balance_from": 0,
  "balance_to": 9999.99,
  "rate_percent": 12.7,
  "how_set": "2.50% above base rate",
  "charged_on": "whole balance",
  "base_name": "E*TRADE (Morgan Stanley) base rate",
  "base_percent": 10.2,
  "base_as_of": "2026-09-21",
  "schedule_date": "September 21, 2026 (base rate effective)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://us.etrade.com/what-we-offer/pricing-and-rates"
 },
 {
  "id": "etrade:10000",
  "broker_id": "etrade",
  "broker": "E*TRADE from Morgan Stanley",
  "balance_from": 10000,
  "balance_to": 24999.99,
  "rate_percent": 12.45,
  "how_set": "2.25% above base rate",
  "charged_on": "whole balance",
  "base_name": "E*TRADE (Morgan Stanley) base rate",
  "base_percent": 10.2,
  "base_as_of": "2026-09-21",
  "schedule_date": "September 21, 2026 (base rate effective)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://us.etrade.com/what-we-offer/pricing-and-rates"
 },
 {
  "id": "etrade:25000",
  "broker_id": "etrade",
  "broker": "E*TRADE from Morgan Stanley",
  "balance_from": 25000,
  "balance_to": 49999.99,
  "rate_percent": 12.2,
  "how_set": "2.00% above base rate",
  "charged_on": "whole balance",
  "base_name": "E*TRADE (Morgan Stanley) base rate",
  "base_percent": 10.2,
  "base_as_of": "2026-09-21",
  "schedule_date": "September 21, 2026 (base rate effective)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://us.etrade.com/what-we-offer/pricing-and-rates"
 },
 {
  "id": "etrade:50000",
  "broker_id": "etrade",
  "broker": "E*TRADE from Morgan Stanley",
  "balance_from": 50000,
  "balance_to": 99999.99,
  "rate_percent": 11.7,
  "how_set": "1.50% above base rate",
  "charged_on": "whole balance",
  "base_name": "E*TRADE (Morgan Stanley) base rate",
  "base_percent": 10.2,
  "base_as_of": "2026-09-21",
  "schedule_date": "September 21, 2026 (base rate effective)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://us.etrade.com/what-we-offer/pricing-and-rates"
 },
 {
  "id": "etrade:100000",
  "broker_id": "etrade",
  "broker": "E*TRADE from Morgan Stanley",
  "balance_from": 100000,
  "balance_to": 249999.99,
  "rate_percent": 11.2,
  "how_set": "1.00% above base rate",
  "charged_on": "whole balance",
  "base_name": "E*TRADE (Morgan Stanley) base rate",
  "base_percent": 10.2,
  "base_as_of": "2026-09-21",
  "schedule_date": "September 21, 2026 (base rate effective)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://us.etrade.com/what-we-offer/pricing-and-rates"
 },
 {
  "id": "etrade:250000",
  "broker_id": "etrade",
  "broker": "E*TRADE from Morgan Stanley",
  "balance_from": 250000,
  "balance_to": 499999.99,
  "rate_percent": 10.7,
  "how_set": "0.50% above base rate",
  "charged_on": "whole balance",
  "base_name": "E*TRADE (Morgan Stanley) base rate",
  "base_percent": 10.2,
  "base_as_of": "2026-09-21",
  "schedule_date": "September 21, 2026 (base rate effective)",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://us.etrade.com/what-we-offer/pricing-and-rates"
 },
 {
  "id": "robinhood:0",
  "broker_id": "robinhood",
  "broker": "Robinhood",
  "balance_from": 0,
  "balance_to": 50000,
  "rate_percent": 5.25,
  "how_set": null,
  "charged_on": "whole balance",
  "base_name": "Federal Funds Target Rate upper bound",
  "base_percent": 4,
  "base_as_of": "2026-09-17",
  "schedule_date": "September 17, 2026",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://robinhood.com/us/en/support/articles/margin-rates/"
 },
 {
  "id": "robinhood:50000",
  "broker_id": "robinhood",
  "broker": "Robinhood",
  "balance_from": 50000,
  "balance_to": 100000,
  "rate_percent": 5.05,
  "how_set": null,
  "charged_on": "whole balance",
  "base_name": "Federal Funds Target Rate upper bound",
  "base_percent": 4,
  "base_as_of": "2026-09-17",
  "schedule_date": "September 17, 2026",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://robinhood.com/us/en/support/articles/margin-rates/"
 },
 {
  "id": "robinhood:100000",
  "broker_id": "robinhood",
  "broker": "Robinhood",
  "balance_from": 100000,
  "balance_to": 1000000,
  "rate_percent": 4.75,
  "how_set": null,
  "charged_on": "whole balance",
  "base_name": "Federal Funds Target Rate upper bound",
  "base_percent": 4,
  "base_as_of": "2026-09-17",
  "schedule_date": "September 17, 2026",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://robinhood.com/us/en/support/articles/margin-rates/"
 },
 {
  "id": "robinhood:1000000",
  "broker_id": "robinhood",
  "broker": "Robinhood",
  "balance_from": 1000000,
  "balance_to": 10000000,
  "rate_percent": 4.5,
  "how_set": null,
  "charged_on": "whole balance",
  "base_name": "Federal Funds Target Rate upper bound",
  "base_percent": 4,
  "base_as_of": "2026-09-17",
  "schedule_date": "September 17, 2026",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://robinhood.com/us/en/support/articles/margin-rates/"
 },
 {
  "id": "robinhood:10000000",
  "broker_id": "robinhood",
  "broker": "Robinhood",
  "balance_from": 10000000,
  "balance_to": 50000000,
  "rate_percent": 4.45,
  "how_set": null,
  "charged_on": "whole balance",
  "base_name": "Federal Funds Target Rate upper bound",
  "base_percent": 4,
  "base_as_of": "2026-09-17",
  "schedule_date": "September 17, 2026",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://robinhood.com/us/en/support/articles/margin-rates/"
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 {
  "id": "robinhood:50000000",
  "broker_id": "robinhood",
  "broker": "Robinhood",
  "balance_from": 50000000,
  "balance_to": null,
  "rate_percent": 4.2,
  "how_set": null,
  "charged_on": "whole balance",
  "base_name": "Federal Funds Target Rate upper bound",
  "base_percent": 4,
  "base_as_of": "2026-09-17",
  "schedule_date": "September 17, 2026",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://robinhood.com/us/en/support/articles/margin-rates/"
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 {
  "id": "webull:0",
  "broker_id": "webull",
  "broker": "Webull",
  "balance_from": 0,
  "balance_to": null,
  "rate_percent": 8.74,
  "how_set": null,
  "charged_on": "whole balance",
  "base_name": null,
  "base_percent": null,
  "base_as_of": null,
  "schedule_date": "October 16, 2026",
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://www.webull.com/trading-investing/margin"
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 {
  "id": "public:0",
  "broker_id": "public",
  "broker": "Public",
  "balance_from": 0,
  "balance_to": 50000,
  "rate_percent": 5.15,
  "how_set": null,
  "charged_on": "whole balance",
  "base_name": "Public 'Base rate' (= first-tier rate)",
  "base_percent": 5.15,
  "base_as_of": null,
  "schedule_date": null,
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://public.com/invest/margin"
 },
 {
  "id": "public:50001",
  "broker_id": "public",
  "broker": "Public",
  "balance_from": 50001,
  "balance_to": 100000,
  "rate_percent": 5,
  "how_set": null,
  "charged_on": "whole balance",
  "base_name": "Public 'Base rate' (= first-tier rate)",
  "base_percent": 5.15,
  "base_as_of": null,
  "schedule_date": null,
  "checked": "2026-10-24",
  "live_series": null,
  "source_url": "https://public.com/invest/margin"
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 {
  "id": "public:100001",
  "broker_id": "public",
  "broker": "Public",
  "balance_from": 100001,
  "balance_to": 1000000,
  "rate_percent": 4.75,
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