The interest rate is for deposits and loans of banks, and the rate of return is for wealth management and investment.

interest rate refers to how the bank gives you interest when you deposit money in the bank, or how you should give interest to the bank when you borrow money from the bank; The rate of return can be the return given to you by the bank's financial management, or the return brought by the investment unrelated to the bank.

interest rate can be regarded as a kind of rate of return, but the rate of return is very wide, not just interest.