The code below is doing what I want in incrementing an
interest rate in a text box by an 1/8 of a point. I would
like it to always display to 3 decimal places, but it goes:
5.125, 5.25, 5.375, 5.5, dropping trailing zeros.
I know it needs a Format. Any help is appreciated.

Private Sub UserForm_Activate()
txtInterestRate.Value = "5.000"
etc.
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Private Sub spnInterestRate_SpinUp()
txtInterestRate.Value = txtInterestRate.Value + 0.125
End Sub
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Private Sub spnInterestRate_SpinDown()
txtInterestRate.Value = txtInterestRate.Value - 0.125
End Sub