1) List of items to search in column A
2) Range where list is. Contains text to replace


3) Code must loop Column A
4) Search Range("B:B")
5) Replace whatever search item from A is with the word "rate"

Sub Test()
    Dim Sh As Worksheet
      
    Set Sh = Sheets("Sheet1")
    For Each Cel In Sh.Columns(1).SpecialCells(2)
        With Sh.Cells
            Set c = Sh.Columns(2).Find(Cel, lookat:=xlPart)


            Do Until Cel Is Nothing
                If Not Cel Is Nothing Then ' if found an item
  
                 Range("B:B").Replace What:=Cel, Replacement:="rate", lookat:=xlPart
                End If
Cel = Cel.Offset(1, 0).Value
            Loop
            
        End With
    Next
End Sub