Savings Accounts Interest Rates

Here you can find the rates of all of our open accounts. By clicking on the name of the account, you can find out more details. Click here for rates on accounts no longer available to new investors.

If the balance in the account falls below the minimum investment, a lower interest rate will apply.

Show current rates | Show previous rates

General Savings Accounts

12 Month Fixed Rate Regular Saver
Investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£10 or over 4.00 3.20

current rates valid from 14 July 2010

Investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£10 or over 4.00 3.20

previous rates not applicable

Cashbuild 90 account
Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£10,000 1.65 1.32
£25,000 + 1.80 1.44
£50,000 + 2.00 1.60

current rates valid from 26 May 2009

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£10,000 1.15 0.92
£25,000 + 1.30 1.04
£50,000 + 1.50 1.20

previous rates valid from 1 April to 25 May 2009

Cashbuild account
Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 0.05 0.04
£500 + 0.05 0.04
£10,000 + 0.05 0.04
£20,000 + 0.05 0.04

current rates valid from 1 April 2009

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 0.10 0.08
£500 + 0.10 0.08
£10,000 + 0.10 0.08
£20,000 + 0.10 0.08

previous rates valid from 1 March 2009 to 31 March 2009

Charitable Giving accounts
Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 £1,000,000 0.10 0.08

current rates valid from 1 April 2009

Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 £1,000,000 0.15 0.12

previous rates valid from 1 March 2009 to 31 March 2009

e-saver account (Issue 2)

Annual income option

Minimum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£100 or over 2.65 2.12

Monthly income option

Investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£100 or over 2.62/2.65 2.10/2.12

current rates valid from 5 August 2010

Annual income option

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£100 0.20 0.16
£1,000 + 0.60 0.48

Monthly income option

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£100 0.20 / 0.20 0.16
£1,000 + 0.60 / 0.60 0.48

previous rates valid from 1 April 2009 to 4 August 2010

e-saver 55-plus account (Issue 2)
Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1,000 £1,000,000 2.30 1.84

Monthly income option

Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1,000 £1,000,000 2.28 / 2.30 1.82

current rates valid from 17 July 2009

Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£10,000 £1,000,000 2.30 1.84

Monthly income option

Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£10,000 £1,000,000 2.28 / 2.30 1.83

previous rates valid from 7 July 2009 to 16 July 2009 and relate to the previous issue of the account

Reward Saver (Issue 3)
Minimum investment Investment amount Gross p.a. / aer % * Net Bonus
£1,000 0.50 0.40 1.00%
£50,000 + 0.75 0.60 1.00%

current rates valid from 1 June 2010

Minimum investment Investment amount Gross p.a. / aer % * Net Bonus
£1,000 0.50 0.40 1.00%
£50,000 + 0.75 0.60 1.00%

previous rates not applicable

* The gross rate is the rate before deducting tax at the rate applicable to savings income.

** The annual equivalent rate (AER) is a notional rate which illustrates the contractual rate (excluding any bonus interest payable) as if paid and compounded on an annual basis.

Premium Reward Saver (Issue 4)
Minimum investment Maximum investment Gross p.a. / aer % * Net Bonus
£1,000 + £1,000,000 0.75 0.60 1.00%

current rates valid from 1 June 2010

Minimum investment Maximum investment Gross p.a. / aer % * Net Bonus
£1,000 + £1,000,000 0.75 0.60 1.00%

previous rates not applicable

* The gross rate is the rate before deducting tax at the rate applicable to savings income.

** The annual equivalent rate (AER) is a notional rate which illustrates the contractual rate (excluding any bonus interest payable) as if paid and compounded on an annual basis.

Cash ISA Savings Accounts

Two Year Fixed Term, Fixed Rate Cash ISA
Minimum investment Maximum investment per tax year gross p.a./AER %
£500 £5,100 3.00

current rates valid from 20 July 2010

Minimum investment Maximum investment per tax year gross p.a./AER %
£500 £5,100 3.00

previous rates not applicable

One Year Fixed Term, Fixed Rate Cash ISA
Minimum investment Maximum investment per tax year Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£3,000 £5,100 2.50 -

current rates valid from 1 March 2010

Minimum investment Maximum investment per tax year Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£3,000 £5,100 2.50 -

previous rates not applicable

Three Year Fixed Rate Stepped Cash ISA
Minimum investment Investment Term Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 Year 1 2.50 n/a
Year 2 3.25 n/a
Year 3 4.00 n/a

current rates valid from 22 June 2010

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 Year 1 2.50 n/a
Year 1 3.25 n/a
Year 3 4.00 n/a

previous rates not applicable

Reward Cash ISA (Issue 3)
Minimum investment Investment amount Gross p.a. / aer % * Net Bonus
£1,000 0.50 - 1.00%
£20,000 + 0.75 - 1.00%

current rates valid from 1 June 2010

Minimum investment Investment amount Gross p.a. / aer % * Net Bonus
£1,000 0.50 - 1.00%
£20,000 + 0.75 - 1.00%

previous rates not applicable

* The gross rate is the rate before deducting tax at the rate applicable to savings income.

** The annual equivalent rate (AER) is a notional rate which illustrates the contractual rate (excluding any bonus interest payable) as if paid and compounded on an annual basis.

Easy Access Cash ISA
Minimum investment Maximum investment per tax year Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 £5,100 0.50 -

current rates valid from 1 August 2010

Minimum investment Maximum investment per tax year Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 £5,100 0.10 -

previous rates valid from 1 April 2009 to 31 July 2010

Fixed Rate Savings Accounts & Bonds

One Year Fixed Term, Fixed Rate Bond

Rates at a glance

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 2.40 1.92
£20,000 + 2.50 2.00

current rates valid from 1 August 2010.

Rates at a glance

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 2.40 1.92
£20,000 + 2.50 2.00

previous rate not applicable.

One Year Fixed Term, Fixed Rate Members' Bond

Rates at a glance - Annual income

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 2.50 2.00
£20,000 + 2.60 2.08

Rates at a glance - Monthly income

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 2.47/2.50 2.00
£20,000 + 2.57/2.60 2.08

current rates valid from 1 August 2010.

Rates at a glance - Annual income

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 2.50 2.00
£20,000 + 2.60 2.08

Rates at a glance - Monthly income

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 2.47/2.50 2.00
£20,000 + 2.57/2.60 2.08

previous rate not applicable.

Two Year Fixed Term, Fixed Rate Bond

Rates at a glance

Investment amount Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 + £1,000,000 3.00 2.40

current rates valid from 6 July 2010.

Rates at a glance

Investment amount Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 + £1,000,000 3.00 2.40

previous rate not applicable.

Three Year Fixed Rate Stepped Bond
Minimum investment Investment Term Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 Year 1 2.50 2.00
Year 2 3.25 2.60
Year 3 4.00 3.20

current rates valid from 22 June 2010

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 Year 1 2.50 2.00
Year 1 3.25 2.60
Year 3 4.00 3.20

previous rates not applicable

Childrens' Savings Accounts

Ladybird account (Issue 4)
Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 1.50 1.20
£10,000 + 1.85 1.48
£25,000 + 2.25 1.80

current rates valid from 1 November 2009

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 1.50 1.20
£10,000 + 1.85 1.48
£25,000 + 2.25 1.80

previous rates valid from 1 April 2009 to 31 October 2009 and refer to the previous issue of the account

V4 account (Issue 2)
Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 1.00 0.80
£10,000 + 1.35 1.08
£25,000 + 1.75 1.40

current rates valid from 1 April 2009

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 1.75 1.40
£10,000 + 2.10 1.68
£25,000 + 2.50 2.00

previous rates valid from 1 March 2009 to 31 March 2009 and relate to the previous issue of the account

Business Savings Accounts

Company and Club account

Charity deposits

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 0.10 -
£50,000 + 0.10 -
£100,000 + 0.10 -
£250,000 + 0.15 -

current rates valid from 1 April 2009

Sports and social clubs

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 0.10 0.08
£10,000 + 0.10 0.08

current rates valid from 1 April 2009

Corporate deposits

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£10,000 0.10 0.08
£100,000 + 0.10 0.08
£250,000 + 0.10 0.08

If the balance falls below £10,000 the interest rate will be 0.10 gross rate/AER and 0.08 Net p.a. % for balances of £500 or more

current rates valid from 1 April 2009

Pension funds

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 1.50 -
£50,000 + 1.50 -

current rates valid from 1 November 2009

Solicitors' Undesignated Client account

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 0.10 -
£50,000 + 0.10 -
£100,000 + 0.10 -

current rates valid from 1 April 2009

Charities

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 0.10 -
£50,000 + 0.30 -
£100,000 + 0.55 -
£250,000 + 0.65 -

previous rates valid from 1 March 2009 to 31 March 2009

Sports and social clubs

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 0.10 0.08
£10,000 + 0.10 0.08

previous rates valid from 1 March 2009 to 31 March 2009

Corporate deposits

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£10,000 0.10 0.08
£100,000 + 0.15 0.12
£250,000 + 0.45 0.36

If the balance falls below £10,000 the interest rate will be 0.10 gross rate/AER and 0.08 Net p.a. % for balances of £500 or more

previous rates valid from 1 March 2009 to 31 March 2009

Pension funds

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 0.10 -
£50,000 + 0.10 -

previous rates valid from 1 April 2009 to 31 October 2009

Solicitors' Undesignated Client account

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1 0.10 -
£50,000 + 0.10 -
£100,000 + 0.10 -

previous rates valid from 1 March 2009 to 31 March 2009

Charity Tracker
Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 £1,000,000 1.50 1.20

current rates valid from 1 February 2010

Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£500 £1,000,000 0.50 0.40

previous rates valid from 1 January 2010 to 31 January 2010

Solicitors' Reserve account
Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£5,000 £2,000,000 1.50 1.20

current rates valid from 7 July 2009

Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£5,000 £2,000,000 1.00 0.80

previous rates valid from 1 April 2009 to 6 July 2009

Business e-saver account
Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1,000 £1,000,000 1.50 1.20

current rates valid from 1 June 2009

Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£1,000 £1,000,000 1.50 1.20

previous rates not applicable

6 Month Fixed Term, Fixed Rate Corporate Savings Bond
Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£5,000 2.00 1.60
£250,000 + 2.25 1.80

current rates valid from 1 August 2010

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£5,000 2.00 1.60
£250,000 + 2.25 1.80

previous rates not applicable

One Year Fixed Term, Fixed Rate Corporate Savings Bond
Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£5,000 2.25 1.80
£250,000 + 2.50 2.00

current rates valid from 1 August 2010

Minimum investment Investment amount Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£5,000 2.25 1.80
£250,000 + 2.50 2.00

previous rates not applicable

Goal-based Savings Accounts

Goal Saver account (Issue 2)
Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£10 £2,000,000 2.65 2.12

current rates valid from 5 August 2010

Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£10 £2,000,000 2.25 1.80

previous rates valid from 20 January 2010 to 4 August 2010

Wedding Saver account
Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£10 £2,000,000 2.25 1.80

current rates valid from 16 February 2010

Minimum investment Maximum investment Gross p.a. / aer % Net p.a. %
(after deduction of basic rate tax)
£10 £2,000,000 2.25 1.80

previous rates not applicable

Click here for rates on accounts no longer available to new investors.

Saffron Building Society, Saffron Independent Financial Advisers Ltd and Crocus Home Loans Ltd are authorised and regulated by the Financial Services Authority for investments, pensions, life assurance, insurance and regulated mortgages. Saffron Building Society's FSA registration number is 100015.

Registered Office: Saffron House, 1A Market Street, Saffron Walden, Essex, CB10 1HX.

Tel: 0800 072 1100

9am to 5pm Monday to Friday
9am to 1pm Saturday

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