Read the following texts and table with financial data from an S&P 500 earnings report carefully.Based on the question-answer history (if provided), answer the last question. The answer may require mathematical calculation based on the data provided.

Text: notes to consolidated financial statements 236 jpmorgan chase & co./2010 annual report the table below sets forth the accretable yield activity for the firm 2019s pci consumer loans for the years ended december 31 , 2010 , 2009 and . <table class='wikitable'><tr><td>1</td><td>year ended december 31 , ( in millions except ratios )</td><td>year ended december 31 , 2010</td><td>year ended december 31 , 2009</td><td>2008</td></tr><tr><td>2</td><td>balance january 1</td><td>$ 25544</td><td>$ 32619</td><td>$ 2014</td></tr><tr><td>3</td><td>washington mutual acquisition</td><td>2014</td><td>2014</td><td>39454</td></tr><tr><td>4</td><td>accretion into interest income</td><td>-3232 ( 3232 )</td><td>-4363 ( 4363 )</td><td>-1292 ( 1292 )</td></tr><tr><td>5</td><td>changes in interest rates on variable rate loans</td><td>-819 ( 819 )</td><td>-4849 ( 4849 )</td><td>-5543 ( 5543 )</td></tr><tr><td>6</td><td>other changes in expected cash flows ( a )</td><td>-2396 ( 2396 )</td><td>2137</td><td>2014</td></tr><tr><td>7</td><td>balance december 31</td><td>$ 19097</td><td>$ 25544</td><td>$ 32619</td></tr><tr><td>8</td><td>accretable yield percentage</td><td>4.35% ( 4.35 % )</td><td>5.14% ( 5.14 % )</td><td>5.81% ( 5.81 % )</td></tr></table> ( a ) other changes in expected cash flows may vary from period to period as the firm continues to refine its cash flow model and periodically updates model assumptions . for the years ended december 31 , 2010 and 2009 , other changes in expected cash flows were principally driven by changes in prepayment assumptions , as well as reclassification to the nonaccretable difference . such changes are expected to have an insignificant impact on the accretable yield percentage . the factors that most significantly affect estimates of gross cash flows expected to be collected , and accordingly the accretable yield balance , include : ( i ) changes in the benchmark interest rate indices for variable rate products such as option arm and home equity loans ; and ( ii ) changes in prepayment assump- tions . to date , the decrease in the accretable yield percentage has been primarily related to a decrease in interest rates on vari- able-rate loans and , to a lesser extent , extended loan liquida- tion periods . certain events , such as extended loan liquidation periods , affect the timing of expected cash flows but not the amount of cash expected to be received ( i.e. , the accretable yield balance ) . extended loan liquidation periods reduce the accretable yield percentage because the same accretable yield balance is recognized against a higher-than-expected loan balance over a longer-than-expected period of time. .
Question: what was the accretable yield balance in 2010?
Answer: 19097.0
Question: what was in in 2009?
Answer: 25544.0
Question: what was the net change?

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-6447.0
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