Sorry, no online dictionaries contain the exact phrase effective interest.
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Reverse dictionary results:
1. active
 2. advantage
3. better
4. count
5. counting
6. dead
7. eloquent
8. home
9. involvement
10. out
 11. participation
12. point
13. points
14. take
15. now
16. worthwhile
17. community
18. face
19. good
20. value
 21. control
22. management
23. partnering
24. power
25. powered
26. root
27. sterile
28. talk
29. tie
30. use
 31. used
32. worth
33. compounding
34. able
35. ace
36. action
37. activity
38. actual
39. arm
40. avail

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