Sorry, no online dictionaries contain the exact phrase reference interest rate.
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Reverse dictionary results:
1. rates
 2. usurer
3. nominal
4. discount
5. prime
6. base rate
7. prime rate
8. benefit
9. coupon
10. percent
 11. cheap
12. vigorish
13. usefulness
14. effective
15. floater
16. ceiling
17. prime interest rate
18. call rate
19. imputed interest
20. indexed loan
 21. market rate
22. draw
23. floor
24. percentage
25. bank discount
26. loan
27. benefits
28. caps
29. interests
30. moneylender
 31. theirs
32. usurious
33. bank rate
34. cao
35. cap
36. capped
37. capping
38. discount rate
39. usury
40. pct

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You can look up the words in the phrase individually using these links:   reference ?   interest ?   rate ?
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