Calling `getReservesData()` or getting the rate from graphql will give the APR in ray units (27 decimals). To convert APR to APY the formula is ``` ((APR/secondsPerYear + 1)^secondsPerYear) -1 ``` or you can use the formatters in aave-js or aave-utilities to plug in the reserve data and `formatReserve()` will return both the APR and APY.