Queries :: Subquery To Return Latest / Most Recent Value For Each Record In Main Query

I have a table of accounts and a table of rates. There is a one-to-many relationship between them (i.e. each account can have multiple rates, each with their own - unique - effective date)

I'm trying to build a query which will show me all of the accounts in the accounts table and the most recent rate (based on the effective date) for each of those accounts.

This is as far as I've gotten with the SQL :

Code:
SELECT [tblAccounts].[AccountID], [tblAccounts].[AccountNumber], [tblAccounts].[AccountName], [LatestRate].[IntRate], [LatestRate].[EffectiveDate]
FROM [tblAccounts]
LEFT JOIN
(SELECT TOP 1 [tblRates].[AccountID], [tblRates].[IntRate], [tblRates].[EffectiveDate]
FROM [tblRates]
ORDER BY [tblRates].[EffectiveDate] DESC) AS LatestRate
ON [tblAccounts].[AccountID] = [LatestRate].[AccountID]

But this can't work because the [LatestRate] subquery can only ever return one record (i.e. the most recent rate across all of the accounts)

I need the most recent rate for each of the accounts in the main query

(FYI - I use an outer join as it is possible for no rate to be available in the rates table for a given account, in which case I want to return the null value rather than omit the account from the resulting dataset...)