Closed issues
Although these accounts are no longer available to new savers, existing account holders may continue to deposit funds into the account subject to the account restrictions. (The maximum balance and any other depositing restrictions remain in place. For information on ISA limits, please click here).
If your account falls below the minimum deposit amount, you will earn a fixed rate of 0.05% gross p.a./AER* whilst the account is below the minimum balance.
Online savings accounts
e-saver account (Issue 10) - Annual income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 05.03.15 | £10+ | 1.10 | 0.88 |
e-saver account (Issue 10) - Monthly income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50/0.50 | N/A |
| 22.09.16 | £10+ | 0.75/0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00/1.00 | 0.80 |
| 05.03.15 | £10+ | 1.09/1.10 | 0.88 |
e-saver account (Issue 9) - Annual income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 15.03.13 | £10+ | 1.50 | 1.20 |
e-saver account (Issue 9) - Monthly income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50/0.50 | N/A |
| 22.09.16 | £10+ | 0.75/0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00/1.00 | 0.80 |
| 15.07.15 | £10+ | 1.14/1.15 | 0.91 |
| 05.03.14 | £10+ | 1.24/1.25 | 0.99 |
| 15.03.13 | £10+ | 1.49/1.50 | 1.19 |
e-saver account (Issue 8) - Annual income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10+ | 1.70 | 1.36 |
| 11.01.13 | £10 + | 1.80 | 1.44 |
e-saver account (Issue 8) - Monthly income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50/0.50 | N/A |
| 22.09.16 | £10+ | 0.75/0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00/1.00 | 0.80 |
| 15.07.15 | £10+ | 1.14/1.15 | 0.91 |
| 05.03.14 | £10+ | 1.24/1.25 | 0.99 |
| 30.09.13 | £10+ | 1.49/1.50 | 1.19 |
| 04.03.13 | £10+ | 1.69/1.70 | 1.35 |
| 11.01.13 | £10 + | 1.79/1.80 | 1.43 |
e-saver account (Issue 7) - Annual income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10+ | 1.70 | 1.36 |
| 27.11.12 | £10 + | 2.20 | 1.76 |
e-saver account (Issue 7) - Monthly income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50/0.50 | N/A |
| 22.09.16 | £10+ | 0.75/0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00/1.00 | 0.80 |
| 15.07.15 | £10+ | 1.14/1.15 | 0.91 |
| 05.03.14 | £10+ | 1.24/1.25 | 0.99 |
| 30.09.13 | £10+ | 1.49/1.50 | 1.19 |
| 04.03.13 | £10+ | 1.69/1.70 | 1.35 |
| 27.11.12 | £10 + | 2.18/2.20 | 1.74 |
e-saver account (Issue 6) - Annual income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10+ | 1.70 | 1.36 |
| 03.01.13 | £10 + | 2.20 | 1.76 |
| 09.11.12 | £10 + | 2.50 | 2.00 |
e-saver account (Issue 6) - Monthly income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50/0.50 | N/A |
| 22.09.16 | £10+ | 0.75/0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00/1.00 | 0.80 |
| 15.07.15 | £10+ | 1.14/1.15 | 0.91 |
| 05.03.14 | £10+ | 1.24/1.25 | 0.99 |
| 30.09.13 | £10+ | 1.49/1.50 | 1.19 |
| 04.03.13 | £10+ | 1.69/1.70 | 1.35 |
| 03.01.13 | £10 + | 2.18/2.20 | 1.74 |
| 09.11.12 | £10 + | 2.47/2.50 | 1.98 |
e-saver account (Issue 5) - Annual income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10+ | 1.70 | 1.36 |
| 15.01.13 | £10 + | 2.00 | 1.60 |
| 14.12.12 | £10 + | 2.60 | 2.08 |
| 12.09.12 | £10 + | 2.76 | 2.21 |
e-saver account (Issue 5) - Monthly income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50/0.50 | N/A |
| 22.09.16 | £10+ | 0.75/0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00/1.00 | 0.80 |
| 15.07.15 | £10+ | 1.14/1.15 | 0.91 |
| 05.03.14 | £10+ | 1.24/1.25 | 0.99 |
| 30.09.13 | £10+ | 1.49/1.50 | 1.19 |
| 04.03.13 | £10+ | 1.69/1.70 | 1.35 |
| 15.01.13 | £10 + | 1.98/2.00 | 1.58 |
| 14.12.12 | £10 + | 2.57/2.60 | 2.06 |
| 12.09.12 | £10 + | 2.73/2.76 | 2.18 |
e-saver account (Issue 4) - Annual income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10+ | 1.70 | 1.36 |
| 15.01.13 | £10 + | 2.00 | 1.60 |
| 14.12.12 | £10 + | 2.60 | 2.08 |
| 11.11.11 | £10 + | 2.65 | 2.12 |
e-saver account (Issue 4) - Monthly income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50/0.50 | N/A |
| 22.09.16 | £10+ | 0.75/0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00/1.00 | 0.80 |
| 15.07.15 | £10+ | 1.14/1.15 | 0.91 |
| 05.03.14 | £10+ | 1.24/1.25 | 0.99 |
| 30.09.13 | £10+ | 1.49/1.50 | 1.19 |
| 04.03.13 | £10+ | 1.69/1.70 | 1.35 |
| 15.01.13 | £10 + | 1.98/2.00 | 1.58 |
| 14.12.12 | £10 + | 2.57/2.60 | 2.06 |
| 11.11.11 | £10 + | 2.62/2.65 | 2.12 |
e-saver account (Issue 3) - Annual income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 02.09.16 | £10+ | 1.00 | 0.80 |
| 03.06.16 | £10+ | 1.10 | 0.88 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 02.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10+ | 1.70 | 1.36 |
| 01.12.12 | £10 + | 2.60 | 2.08 |
| 08.06.12 | £10 + | 2.85 | 2.28 |
| 14.10.11 | £10 + | 3.15 | 2.52 |
e-saver account (Issue 3) - Monthly income
| Date | Account balance | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50/0.50 | N/A |
| 22.09.16 | £10+ | 0.75/0.75 | 0.60 |
| 02.09.16 | £10+ | 1.00/1.00 | 0.80 |
| 03.06.16 | £10+ | 1.09/1.10 | 0.88 |
| 05.03.14 | £10+ | 1.24/1.25 | 0.99 |
| 02.09.13 | £10+ | 1.49/1.50 | 1.19 |
| 04.03.13 | £10+ | 1.69/1.70 | 1.35 |
| 01.12.12 | £10 + | 2.57/2.60 | 2.06 |
| 08.06.12 | £10 + | 2.81/2.85 | 2.25 |
| 14.10.11 | £10 + | 3.11/3.15 | 2.52 |
e-saver account (Issue 2) - Annual income
| Date | Minimum Deposit | Deposit amount | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|---|
| 20.09.17 | £100+ | 0.50 | N/A | |
| 22.09.16 | £100+ | 0.75 | 0.60 | |
| 03.06.16 | £100+ | 1.00 | 0.80 | |
| 15.07.15 | £100+ | 1.15 | 0.92 | |
| 05.03.14 | £100+ | 1.25 | 1.00 | |
| 30.09.13 | £100+ | 1.50 | 1.20 | |
| 04.03.13 | £100+ | 1.70 | 1.36 | |
| 03.01.13 | £100+ | 2.20 | 1.76 | |
| 19.12.11 | £100+ | 2.50 | 2.00 | |
| 05.08.10 | £100+ | 2.65 | 2.12 | |
| 01.04.09 | £100+ | 0.20 | 0.16 | |
| 01.04.09 | £1,000 + | 0.60 | 0.48 |
e-saver account (Issue 2) - Monthly income
| Date | Minimum Deposit | Deposit amount | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|---|
| 20.09.17 | £100+ | 0.50/0.50 | N/A | |
| 22.09.16 | £100+ | 0.75/0.75 | 0.60 | |
| 03.06.16 | £100+ | 1.00/1.00 | 0.80 | |
| 15.07.15 | £100+ | 1.14/1.15 | 0.91 | |
| 05.03.14 | £100+ | 1.24/1.25 | 0.99 | |
| 30.09.13 | £100+ | 1.49/1.50 | 1.19 | |
| 04.03.13 | £100+ | 1.69/1.70 | 1.35 | |
| 03.01.13 | £100+ | 2.18/2.20 | 1.74 | |
| 19.12.11 | £100+ | 2.47/2.50 | 2.00 | |
| 05.08.10 | £100+ | 2.62/2.65 | 2.12 | |
| 01.04.09 | £100+ | 0.20/0.20 | 0.16 | |
| 01.04.09 | £1,000 + | 0.60/0.60 | 0.48 |
e-saver account (Issue 1)
| Date | Account balance | £100 to £999 | £1,000 + |
|---|---|---|---|
| 20.09.17 | gross p.a./AER % * Net p.a. % |
0.50 N/A |
0.50 N/A |
| 22.09.16 | gross p.a./AER % * Net p.a. % |
0.75 0.60 |
0.75 0.60 |
| 03.06.16 | gross p.a./AER % * Net p.a. % |
1.00 0.80 |
1.00 0.80 |
| 15.07.15 | gross p.a./AER % * Net p.a. % |
1.15 0.92 |
1.15 0.92 |
| 05.03.14 | gross p.a./AER % * Net p.a. % |
1.25 1.00 |
1.25 1.00 |
| 30.09.13 | gross p.a./AER % * Net p.a. % |
1.50 1.20 |
1.50 1.20 |
| 04.03.13 | gross p.a./AER % * Net p.a. % |
1.70 1.35 |
1.70 1.36 |
| 03.01.13 | gross p.a./AER % * Net p.a. % |
2.20 1.76 |
2.20 1.76 |
| 19.12.11 | gross p.a./AER % * Net p.a. % |
2.50 2.00 |
2.50 2.00 |
| 05.08.10 | gross p.a./AER % * Net p.a. % |
2.65 2.12 |
2.65 2.12 |
| 01.04.09 | gross p.a./AER % * Net p.a. % |
0.40 0.32 |
0.80 0.64 |
| 01.03.09 | gross p.a./AER % * Net p.a. % |
0.90 0.72 |
1.30 1.04 |
| 01.02.09 | gross p.a./AER % * Net p.a. % |
1.40 1.12 |
1.80 1.44 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
1.90 1.52 |
2.30 1.84 |
| 01.12.08 | gross p.a./AER % * Net p.a. % |
2.90 2.32 |
3.30 2.64 |
| 01.11.08 | gross p.a./AER % * Net p.a. % |
4.40 3.52 |
4.80 3.84 |
| 01.05.08 | gross p.a./AER % * Net p.a. % |
4.90 3.92 |
5.30 4.24 |
| 01.03.08 | gross p.a./AER % * Net p.a. % |
5.15 4.12 |
5.55 4.44 |
You can choose to have your interest paid to another Bank or Society account and you can change your instructions at any time by writing to us at least six weeks before the next interest payment is due.
e-saver 55-plus account (Issue 2) - Annual Income
| Date | Account balance | £1,000 + |
|---|---|---|
| 20.09.17 | gross p.a./AER % * Net p.a. % |
0.50 N/A |
| 22.09.16 | gross p.a./AER % * Net p.a. % |
0.75 0.60 |
| 03.06.16 | gross p.a./AER % * Net p.a. % |
1.00 0.80 |
| 15.07.15 | gross p.a./AER % * Net p.a. % |
1.15 0.92 |
| 05.03.14 | gross p.a./AER % * Net p.a. % |
1.25 1.00 |
| 30.09.13 | gross p.a./AER % * Net p.a. % |
1.50 1.20 |
| 04.03.13 | gross p.a./AER % * Net p.a. % |
1.70 1.36 |
| 03.01.13 | gross p.a./AER % * Net p.a. % |
2.20 1.76 |
| 29.05.12 | gross p.a./AER % * Net p.a. % |
2.30 1.84 |
e-saver 55-plus account (Issue 2) - Monthly Income
| Date | Account balance | £1,000 + |
|---|---|---|
| 20.09.17 | gross p.a./AER % * Net p.a. % |
0.50/0.50 N/A |
| 22.09.16 | gross p.a./AER % * Net p.a. % |
0.75/0.75 0.60 |
| 03.06.16 | gross p.a./AER % * Net p.a. % |
1.00/1.00 0.80 |
| 15.07.15 | gross p.a./AER % * Net p.a. % |
1.14/1.15 0.91 |
| 05.03.14 | gross p.a./AER % * Net p.a. % |
1.24/1.25 0.99 |
| 30.09.13 | gross p.a./AER % * Net p.a. % |
1.49/1.50 1.19 |
| 04.03.13 | gross p.a./AER % * Net p.a. % |
1.69/1.70 1.35 |
| 03.01.13 | gross p.a./AER % * Net p.a. % |
2.18/2.20 1.74 |
| 29.05.12 | gross p.a./AER % * Net p.a. % |
2.28/2.30 1.82 |
Maturity e-saver account
| Date | Account balance | Gross p.a. / AER % * |
|---|---|---|
| 20.09.17 | £10+ | 0.50 |
| 22.09.16 | £10+ | 0.75 |
| 03.03.14 | £10+ | 1.00 |
| 30.09.13 | £10+ | 1.30 |
| 03.01.13 | £10+ | 1.50 |
Maturity Online ISA
| Date | Account balance | Tax-free p.a./AER % * |
|---|---|---|
| 20.09.17 | £1+ | 0.50 |
| 22.09.16 | £1+ | 0.75 |
| 03.03.14 | £10+ | 1.00 |
| 30.09.13 | £10+ | 1.30 |
| 03.01.13 | £10+ | 1.50 |
Immediate Access savings accounts
12 Month Fixed Rate Regular Saver (Issue 2)
| Date opened | Date closed | Deposit | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|---|
| 13.08.11 | 25.05.15 | £10+ | 4.00 | 3.20 |
12 Month Fixed Rate Regular Saver (Issue 1)
| Date opened | Date closed | Deposit | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|---|
| 14.07.10 | 12.08.11 | £10+ | 4.00 | 3.20 |
Premium saver
| Date | Account balance | £10 + |
|---|---|---|
| 05.07.17 | gross p.a./AER % * | 0.45 |
| 05.10.16 | gross p.a./AER % * | 0.95 |
| 17.06.14 | gross p.a./AER % * Net p.a. % |
1.20 0.96 |
| 01.04.09 | gross p.a./AER % * Net p.a. % |
1.70 1.36 |
| 01.03.09 | gross p.a./AER % * Net p.a. % |
2.20 1.76 |
| 01.02.09 | gross p.a./AER % * Net p.a. % |
2.70 2.16 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
3.20 2.56 |
Maximum balance of £25,000.
Flexi saver
| Date | Account balance | £10 + |
|---|---|---|
| 01.04.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
| 01.03.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
| 01.02.09 | gross p.a./AER % * Net p.a. % |
0.60 0.48 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
1.10 0.88 |
Maximum balance of £100,000.
Reward saver (Issue 5)
| Date | Account balance | £500 + | £50,000 + |
|---|---|---|---|
| 05.10.16 | gross p.a./AER % * Reward |
0.15 0.50% |
0.20 0.50% |
| 22.07.16 | gross p.a./AER % * Reward |
0.35 0.50% |
0.40 0.50% |
Making a withdrawal or closing the account will mean that you won't be paid the reward interest for that three month period (taken from the date that the account was opened).
Reward saver (Issue 4)
| Date | Account balance | £500 + | £50,000 + |
|---|---|---|---|
| 05.10.16 | gross p.a./AER % * Bonus |
0.25 1.00% |
0.50 1.00% |
| 07.07.13 | gross p.a./AER % * Net p.a. % Bonus |
0.50 0.40 1.00% |
0.75 0.60 1.00% |
Making a withdrawal or closing the account will mean that you won't be paid the reward interest for that three month period (taken from the date that the account was opened).
Reward saver (Issue 3)
| Date | Account balance | £1,000 + | £50,000 + |
|---|---|---|---|
| 05.10.16 | gross p.a./AER % * Bonus |
0.25 1.00% |
0.50 1.00% |
| 01.06.10 | gross p.a./AER % * Net p.a. % Bonus |
0.50 0.40 1.00% |
0.75 0.60 1.00% |
Making a withdrawal or closing the account will mean that you won't be paid the reward interest for that three month period (taken from the date that the account was opened).
Reward saver (Issue 2)
| Date | Account balance | £1,000 + | £50,000 + |
|---|---|---|---|
| 01.09.11 | gross p.a./AER % * Net p.a. % Bonus |
0.50 0.40 1.00% |
0.75 0.60 1.00% |
| 02.02.10 | gross p.a./AER % * Net p.a. % Bonus |
0.50 0.40 1.25% |
0.75 0.60 1.25% |
Making a withdrawal or closing the account will mean that you won't be paid the reward interest for that three month period (taken from the date that the account was opened).
Reward saver (Issue 1)
| Date | Account balance | £1,000 + | £50,000 + |
|---|---|---|---|
| 01.09.11 | gross p.a./AER % * Net p.a. % Bonus |
0.50 0.40 1.00% |
0.75 0.60 1.00% |
| 21.06.10 | gross p.a./AER % * Net p.a. % Bonus |
0.50 0.40 1.25% |
0.75 0.60 1.25% |
| 01.06.09 | gross p.a./AER % * Net p.a. % Bonus |
0.50 0.40 1.50% |
0.75 0.60 1.50% |
Making a withdrawal or closing the account will mean that you won't be paid the reward interest for that three month period (taken from the date that the account was opened).
Premium Reward saver (Issue 5)
| Date | Account balance | £1,000 + |
|---|---|---|
| 05.10.16 | gross p.a./AER % * Bonus |
0.25 0.50% |
| 01.07.16 | gross p.a./AER % * Net p.a. % Bonus |
0.50 0.40 0.50% |
| 07.07.13 | gross p.a./AER % * Net p.a. % Bonus |
0.75 0.60 0.50% |
This product will remain in place as long as you have a bond with £50,000 with the society. If you do not, then your Premium Reward Saver will revert to a Reward Saver account.
Premium Reward saver (Issue 4)
| Date | Account balance | £1,000 + |
|---|---|---|
| 29.05.12 | gross p.a./AER % * Net p.a. % Bonus |
0.75 0.60 1.00% |
This product will remain in place as long as you have a bond with £50,000 with the society. If you do not, then your Premium Reward Saver will revert to a Reward Saver account.
Premium Reward saver (Issue 3)
| Date | Account balance | £1,000 + |
|---|---|---|
| 01.09.11 | gross p.a./AER % * Net p.a. % Bonus |
0.75 0.60 1.00% |
This product will remain in place as long as you have a bond with £50,000 with the society. If you do not, then your Premium Reward Saver will revert to a Reward Saver account.
Premium Reward saver (Issue 2)
| Date | Account balance | £1,000 + |
|---|---|---|
| 02.02.10 | gross p.a./AER % * Net p.a. % Bonus |
0.75 0.60 1.25% |
This product will remain in place as long as you have a bond with £50,000 with the society. If you do not, then your Premium Reward Saver will revert to a Reward Saver account.
Premium Reward saver (Issue 1)
| Date | Account balance | £1,000 + |
|---|---|---|
| 01.09.11 | gross p.a./AER % * Net p.a. % Bonus |
0.75 0.60 1.00% |
| 21.06.10 | gross p.a./AER % * Net p.a. % Bonus |
0.75 0.60 1.25% |
| 01.06.09 | gross p.a./AER % * Net p.a. % Bonus |
0.75 0.60 1.50% |
This product will remain in place as long as you have a bond with £50,000 with the society. If you do not, then your Premium Reward Saver will revert to a Reward Saver account.
U's saver
| Date | Account balance | £1 to £499 | £500 to £9,999 | £10,000 to £19,999 | £20,000 + |
|---|---|---|---|---|---|
| 01.04.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
| 01.03.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
| 01.02.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
| 01.12.08 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.50 0.40 |
0.85 0.68 |
1.00 0.80 |
| 01.11.08 | gross p.a./AER % * Net p.a. % |
1.45 1.16 |
1.65 1.32 |
1.85 1.48 |
2.30 1.84 |
| 01.05.08 | gross p.a./AER % * Net p.a. % |
1.95 1.56 |
2.15 1.72 |
2.35 1.88 |
2.80 2.24 |
| 01.03.08 | gross p.a./AER % * Net p.a. % |
2.20 1.76 |
2.40 1.92 |
2.60 2.08 |
3.05 2.44 |
Cashbuild Monthly Interest
| Date | Account balance | £1 to £499 | £500 to £9,999 | £10,000 to £19,999 | £20,000 + |
|---|---|---|---|---|---|
| 01.04.09 | gross p.a./AER % * Net p.a. % |
0.05/0.05 0.04 |
0.05/0.05 0.04 |
0.05/0.05 0.04 |
0.05/0.05 0.04 |
| 01.03.09 | gross p.a./AER % * Net p.a. % |
0.10/0.10 0.08 |
0.10/0.10 0.08 |
0.10/0.10 0.08 |
0.10/0.10 0.08 |
| 01.02.09 | gross p.a./AER % * Net p.a. % |
0.10/0.10 0.08 |
0.10/0.10 0.08 |
0.10/0.10 0.08 |
0.10/0.10 0.08 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
0.10/0.10 0.08 |
0.10/0.10 0.08 |
0.25/0.25 0.20 |
0.40/0.40 0.32 |
| 01.12.08 | gross p.a./AER % * Net p.a. % |
0.10/0.10 0.08 |
0.25/0.25 0.20 |
0.45/0.45 0.36 |
0.90/0.90 0.72 |
| 01.11.08 | gross p.a./AER % * Net p.a. % |
1.00/1.00 0.80 |
1.24/1.25 0.92 |
1.44/1.45 1.15 |
1.88/1.90 1.50 |
| 01.05.08 | gross p.a./AER % * Net p.a. % |
1.35/1.36 1.08 |
1.74/1.75 1.39 |
1.93/1.95 1.54 |
2.37/2.40 1.89 |
Superstart
| Date | Account balance | £25+ |
|---|---|---|
| 01.04.09 | gross p.a./AER % * Net p.a. % |
0.85 0.68 |
| 01.03.09 | gross p.a./AER % * Net p.a. % |
1.35 1.08 |
| 01.02.09 | gross p.a./AER % * Net p.a. % |
1.85 1.48 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
2.35 1.88 |
| 01.12.08 | gross p.a./AER % * Net p.a. % |
3.35 2.68 |
| 01.11.08 | gross p.a./AER % * Net p.a. % |
4.85 3.88 |
| 01.05.08 | gross p.a./AER % * Net p.a. % |
5.35 4.28 |
| 01.03.08 | gross p.a./AER % * Net p.a. % |
5.60 4.48 |
Equivalent share account
| Date | Account balance | £1 to £499 | £500 to £9,999 | £10,000 + |
|---|---|---|---|---|
| 01.04.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
| 01.03.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
| 01.02.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
0.35 0.28 |
| 01.12.08 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.50 0.40 |
1.35 1.08 |
| 01.11.08 | gross p.a./AER % * Net p.a. % |
1.20 0.96 |
1.45 1.16 |
2.85 2.28 |
| 01.05.08 | gross p.a./AER % * Net p.a. % |
1.70 1.36 |
1.95 1.56 |
3.35 2.68 |
| 01.03.08 | gross p.a./AER % * Net p.a. % |
1.95 1.56 |
2.20 1.76 |
3.60 2.88 |
Thrift clubs
| Date | Account balance | £1 to £9,999 | £10,000 + |
|---|---|---|---|
| 01.04.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.30 0.24 |
| 01.03.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.80 0.64 |
| 01.02.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
1.30 1.04 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
1.80 1.44 |
| 01.12.08 | gross p.a./AER % * Net p.a. % |
0.50 0.40 |
2.80 2.24 |
| 01.11.08 | gross p.a./AER % * Net p.a. % |
1.45 1.16 |
4.30 3.44 |
| 01.05.08 | gross p.a./AER % * Net p.a. % |
1.95 1.56 |
4.80 3.84 |
| 01.03.08 | gross p.a./AER % * Net p.a. % |
2.20 1.76 |
5.05 4.04 |
International cashbuild (Issue 2)
| Date | Account balance | Under £500 | £500 + | £10,000 + | £20,000 + |
|---|---|---|---|---|---|
| 07.07.12 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
Interest is paid annually on 31 December and credited directly to your account
International cashbuild (Issue 1)
| Date | Account balance | Under £500 | £500 + | £10,000 + | £20,000 + |
|---|---|---|---|---|---|
| 01.04.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
| 01.03.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
| 01.02.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
| 01.12.08 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.15 0.12 |
0.35 0.28 |
0.80 0.64 |
| 01.11.08 | gross p.a./AER % * Net p.a. % |
1.00 0.80 |
1.65 1.32 |
1.85 1.48 |
2.30 1.84 |
| 01.05.08 | gross p.a./AER % * Net p.a. % |
1.00 0.80 |
2.15 1.72 |
2.35 1.88 |
2.80 2.24 |
| 01.03.08 | gross p.a./AER % * Net p.a. % |
1.00 0.80 |
2.40 1.92 |
2.60 2.08 |
3.05 2.44 |
Cash ISA savings accounts
Two Year Fixed Rate Cash ISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 28.02.18 | 14.06.18 | £500 | £50,000 | 1.50%/1.51% |
Three Year Fixed Rate Cash ISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 28.02.18 | 14.06.18 | £500 | £75,000 | 1.65%/1.68% |
One Year Fixed Rate Cash ISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 15.12.17 | 27.02.18 | £500 | £500,000 | 1.00 |
One Year Fixed Rate Members' Cash ISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 26.08.16 | 31.01.17 | £500 | £1,000,000 | 0.85 |
One Year Fixed Rate Cash ISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 14.07.16 | 25.08.16 | £500 | £1,000,000 | 1.05 |
One Year Fixed Rate Members' Cash ISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 08.06.16 | 25.08.16 | £500 | £1,000,000 | 1.10 |
Two Year Fixed Rate Cash ISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 14.07.16 | 22.07.16 | £500 | £1,000,000 | 1.15 |
Two Year Fixed Rate Members' Cash ISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 08.06.16 | 22.07.16 | £500 | £1,000,000 | 1.20 |
One Year Fixed Rate Members' Cash ISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 14.07.15 | 07.06.16 | £500 | £1,000,000 | 1.15 |
Two Year Fixed Rate Members' Cash ISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 14.07.15 | 07.06.16 | £500 | £1,000,000 | 1.25 |
Members' Regular Saver Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 16.04.16 | £10 | £15,240 | 3.00 |
This is a fixed term account that will run for 12 months from the date of the initial deposit.
Monthly payments of up to £1,270 are permitted until the end of the term.
One Year Fixed Rate Cash NISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 24.04.15 | 13.07.15 | £500 | £1,000,000 | 1.30 |
One Year Fixed Rate Members' Cash NISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 24.04.15 | 13.07.15 | £500 | £1,000,000 | 1.45 |
Two Year Fixed Rate Cash NISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 24.04.15 | 13.07.15 | £500 | £1,000,000 | 1.40 |
Two Year Fixed Rate Members' Cash NISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 24.04.15 | 13.07.15 | £500 | £1,000,000 | 1.55 |
Members' Regular Saver Cash NISA
| Date opened | Date closed | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 07.04.15 | 24.04.15 | £10 | £15,240 | 3.50 |
This is a fixed term account that will run for 12 months from the date of the initial deposit.
Monthly payments of up to £1,270 are permitted until the end of the term.
One Year Fixed Term, Fixed Rate Cash NISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 30.04.14 | 16.04.15 | £500 | £15,240 plus Transfers in | 1.40 |
As this is a fixed term account, you must make all payments in as part of the opening process.
Two Year Fixed Term, Fixed Rate Cash NISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 30.04.14 | 16.04.15 | £500 | £15,240 plus Transfers in | 1.75 |
As this is a fixed term account, you must make all payments in as part of the opening process.
One Year Fixed Term, Fixed Rate Members' Cash NISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 19.01.15 | 16.04.15 | £500 | £15,240 plus Transfers in | 1.50 |
As this is a fixed term account, you must make all payments in as part of the opening process.
Two Year Fixed Term, Fixed Rate Members' Cash NISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 19.01.15 | 16.04.15 | £500 | £15,240 plus Transfers in | 1.85 |
As this is a fixed term account, you must make all payments in as part of the opening process.
Four Year Step Cash NISA (Issue 2)
| Date opened | Date closed | Minimum Deposit | Deposit Term | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 03.03.15 | 10.04.15 | £500 | Year 1 | 1.75 |
| Year 2 | 2.20 | |||
| Year 3 | 2.60 | |||
| Year 4 | 3.45 |
Branch Cash NISA (Issue 1)
| Date opened | Date closed | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 30.04.14 | 07.04.15 | £1 | 1.00 |
Four Year Step Cash NISA
| Date opened | Date closed | Minimum Deposit | Deposit Term | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 27.10.14 | 20.02.15 | £500 | Year 1 | 1.50 |
| Year 2 | 2.20 | |||
| Year 3 | 3.15 | |||
| Year 4 | 4.30 |
Four Year Members' Step Cash NISA
| Date opened | Date closed | Minimum Deposit | Deposit Term | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 27.10.14 | 20.02.15 | £500 | Year 1 | 1.75 |
| Year 2 | 2.30 | |||
| Year 3 | 3.20 | |||
| Year 4 | 4.80 |
One Year Fixed Term, Fixed Rate Members' Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 30.04.14 | £500 | £15,000 | 1.50 |
As this is a fixed term account, you must make all payments in as part of the opening process. If you opened your account before 1 July 2014 we will allow a one-off payment to top up this Cash ISA to the new £15,000 limit between 1 July 2014 and 5 April 2015.
Two Year Fixed Term, Fixed Rate Members' Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 30.04.14 | £500 | £15,000 | 1.85 |
As this is a fixed term account, you must make all payments in as part of the opening process. If you opened your account before 1 July 2014 we will allow a one-off payment to top up this Cash ISA to the new £15,000 limit between 1 July 2014 and 5 April 2015.
Members' Regular Saver Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 30.04.14 | £10 | £15,000 | 4.00 |
This is a fixed term account that will run for 12 months from the date of the initial deposit.
Monthly payments of up to £1,250 are permitted until the end of the term.
One Year Fixed Term, Fixed Rate Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 30.04.14 | £500 | £5,940 | 1.50 |
As this is a fixed term account, you must make all payments in as part of the opening process.
One Year Fixed Term, Fixed Rate Members' Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 30.04.14 | £500 | £5,940 | 1.75 |
As this is a fixed term account, you must make all payments in as part of the opening process.
Maturity Cash ISA (Issue 1)
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 30.04.14 | £1 or over | £5,940 | 1.00 |
One Year Fixed Term, Fixed Rate Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 16.07.13 | £500 | £5,760 | 1.75 |
As this is a fixed term account, you must make all payments in as part of the opening process.
One Year Fixed Term, Fixed Rate Members' Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 05.07.13 | £500 | £5,760 | 2.00 |
As this is a fixed term account, you must make all payments in as part of the opening process.
One Year Fixed Term, Fixed Rate Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 31.05.13 | £500 | £5,760 | 2.00 |
As this is a fixed term account, you must make all payments in as part of the opening process.
Two Year Fixed Term, Fixed Rate Members' Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 01.06.13 | £500 | £5,760 | 2.25 |
As this is a fixed term account, you must make all payments in as part of the opening process.
Regular Saver Members' Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 01.05.13 | £10 | £5,760 | 4.00 |
This is a fixed term account that will run for 12 months from the date of the initial deposit.
Monthly payments of up to £480 are permitted until the end of the term.
18 Month Fixed Term, Fixed Rate Members' Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 17.01.13 | £500 | £5,640 | 2.35 |
As this is a fixed term account, you must make all payments in as part of the opening process.
One Year Fixed Term, Fixed Rate Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 11.01.13 | £500 | £5,640 | 2.15 |
As this is a fixed term account, you must make all payments in as part of the opening process.
One Year Fixed Term, Fixed Rate Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 12.12.12 | £500 | £5,640 | 2.50 |
As this is a fixed term account, you must make all payments in as part of the opening process.
One Year Fixed Rate Members' Cash ISA
| Date | Minimum deposit | Tax-free p.a./AER % * |
|---|---|---|
| 12.12.12 | £5,640 | 2.75 |
As this is a fixed term account, you must make all payments in as part of the opening process.
One Year Fixed Term, Fixed Rate Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 02.10.12 | £500 | £5,640 | 2.85 |
As this is a fixed term account, you must make all payments in as part of the opening process.
Two Year Fixed Rate Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 02.10.12 | £500 | £5,640 | 3.00 |
As this is a fixed term account, you must make all payments in as part of the opening process.
Online One Year Fixed Term, Fixed Rate Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 02.10.12 | £500 | £5,640 | 2.85 |
As this is a fixed term account, you must make all payments in as part of the opening process.
Two Year Fixed Rate Members' Cash ISA
| Date | Minimum deposit | Tax-free p.a./AER % * |
|---|---|---|
| 15.09.12 | £5,640 | 3.20 |
As this is a fixed term account, you must make all payments in as part of the opening process.
One Year Fixed Term, Fixed Rate Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 30.03.11 | £500 | £5,340 | 3.00 |
As this is a fixed term account, you must make all payments in as part of the opening process.
Two Year Fixed Term, Fixed Rate Members' Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 15.02.11 | £500 | £5,340 | 3.30 |
As this is a fixed term account, you must make all payments in as part of the opening process.
Four Year (to 30/04/15) Fixed Rate Cash ISA
| Date | Minimum deposit | Tax-free p.a./AER % * |
|---|---|---|
| 06.05.11 | £500 | 4.50 |
One Year Fixed Term, Fixed Rate Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 15.02.11 | £500 | £5,100 | 3.00 |
This account can only be opened with this year's Cash ISA allowance.
One Year Fixed Term, Fixed Rate Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 15.02.11 | £500 | £5,100 | 2.75 |
Two Year Fixed Term, Fixed Rate Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 20.07.10 | £500 | £5,100 | 3.00 |
As this is a fixed term account, you must make all payments in as part of the opening process.
Easy Access Cash ISA
| Date | Minimum Deposit | Maximum Deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 01.08.10 | £1 | £5100 | 0.50 |
One Year Fixed Rate Cash ISA
| Date | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * | |
|---|---|---|---|---|
| 01.03.10 | £3,000 | £5,100 | 2.50 | - |
Three Year Fixed Rate Stepped Cash ISA
| Date opened | Date closed | Minimum Deposit | Deposit Term | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 22.06.10 | 06.09.10 | £500 | Year 1 | 2.50 |
| Year 2 | 3.25 | |||
| Year 3 | 4.00 |
One Year Fixed Term, Fixed Rate Linked Cash ISA
| Date opened | Minimum Deposit | Deposit amount | Tax-free p.a./AER % * | |
|---|---|---|---|---|
| 13.04.10 | £500 | 4.80 | - | |
| £20,000 + | 5.00 | - |
You may only hold one Credit Suisse Protected Capital Plus Account with one associated One year Fixed Term Fixed Rate Linked Cash ISA. If you cancel the Credit Suisse Protected Capital Plus Account at any time during the one year term of the Linked Cash ISA, you will no longer be entitled to the ISA and your Deposit will be transferred to an Easy Access Cash ISA
Reward Cash ISA (Issue 4)
| Date | Account balance | £1 + | £20,000 + |
|---|---|---|---|
| 05.10.16 | Tax-free p.a./AER % * Bonus |
0.25 0.50% |
0.50 0.50% |
| 11.04.14 | Tax-free p.a./AER % * Bonus |
0.50 0.50% |
0.75 0.50% |
Reward Cash ISA (Issue 3)
| Date | Account balance | £1 + | £20,000 + |
|---|---|---|---|
| 07.07.13 | Tax-free p.a./AER % * Bonus |
0.50 1.00% |
0.75 1.00% |
Reward Cash ISA (Issue 2)
| Date | Account balance | £1,000 + | £20,000 + |
|---|---|---|---|
| 01.09.11 | Tax-free p.a./AER % * Bonus |
0.50 1.00% |
0.75 1.00% |
| 02.02.10 | Tax-free p.a./AER % * Bonus |
0.50 1.25% |
0.75 1.25% |
Reward Cash ISA (Issue 1)
| Date | Account balance | £1,000 + | £20,000 + |
|---|---|---|---|
| 01.09.11 | Tax-free p.a./AER % * Bonus |
0.50 1.00% |
0.75 1.00% |
| 21.06.10 | Tax-free p.a./AER % * Bonus |
0.50 1.25% |
0.75 1.25% |
| 01.06.09 | Tax-free p.a./AER % * Bonus |
0.50 1.50% |
0.75 1.50% |
Regular Saver ISA
| Date | Account balance | £25 + |
|---|---|---|
| 06.03.09 | Tax-free p.a./AER % * | 7.00 |
One Year Fixed Rate Cash ISA
| Date | Account balance | £3600 |
|---|---|---|
| 12.03.09 | Tax-free p.a./AER % * | 2.50 |
Two Year Fixed Rate Cash ISA
| Date | Account balance | £3600 |
|---|---|---|
| 12.03.09 | Tax-free p.a./AER % * | 3.30 |
Three Year Fixed Rate Cash ISA
| Date | Minimum Deposit | Maximum Deposit per tax year | Tax-free p.a./AER % * |
|---|---|---|---|
| 21.09.09 | £15,000 | £3,600 | 4.40 |
Inflation Buster ISA
| Date | Account balance | £500 + |
|---|---|---|
| 21.10.10 | Tax-free p.a./AER % * | 6.60/6.40 |
| 01.07.10 | Tax-free p.a./AER % * | 7.10/6.88 |
| 01.04.10 | Tax-free p.a./AER % * | 5.70/5.56 |
| 01.01.10 | Tax-free p.a./AER % * | 2.30/2.28 |
| 01.10.09 | Tax-free p.a./AER % * | 0.70/0.70 |
| 07.07.09 | Tax-free p.a./AER % * | 0.90/0.90 |
| 01.04.09 | Tax-free p.a./AER % * | 2.00/1.98 |
| 01.01.09 | Tax-free p.a./AER % * | 5.00/4.88 |
| 01.10.08 | Tax-free p.a./AER % * | 6.80/6.58 |
| 23.09.08 | Tax-free p.a./AER % * | 6.30/6.11 |
Guaranteed to track the All items Retail Price Index (RPI) annual change percentage plus 2.00% for the two year term
Loyalty Immediate Access Cash ISA
| Date | Account balance | £1 |
|---|---|---|
| 01.12.09 | Tax-free p.a./AER % * | 2.50 |
Cash 60 Day Notice ISA (Issue 2)
| Date | Account balance | £1,000 + |
|---|---|---|
| 23.10.09 | Tax-free p.a./AER % * | 0.55 |
| 01.04.09 | Tax-free p.a./AER % * | 1.50 |
| 01.03.09 | Tax-free p.a./AER % * | 2.00 |
| 01.02.09 | Tax-free p.a./AER % * | 2.50 |
| 01.01.09 | Tax-free p.a./AER % * | 3.00 |
This product held a 0.95% bonus for 9 months from account opening. This bonus offer has now finished.
Cash 60 Day Notice ISA (Issue 1)
| Date | Account balance | £1,000 + |
|---|---|---|
| 01.04.09 | Tax-free p.a./AER % * | 1.50 |
| 01.03.09 | Tax-free p.a./AER % * | 2.00 |
| 01.02.09 | Tax-free p.a./AER % * | 2.50 |
| 01.01.09 | Tax-free p.a./AER % * | 3.00 |
| 01.12.08 | Tax-free p.a./AER % * | 4.00 |
| 01.11.08 | Tax-free p.a./AER % * | 5.50 |
| 01.05.08 | Tax-free p.a./AER % * | 6.00 |
| 01.03.08 | Tax-free p.a./AER % * | 6.25 |
Guaranteed to pay at least the Bank of England base rate, plus 0.25% until 31 May 2009
Cash Tracker 180 Day Notice ISA Postal account (Issue 1)
| Date | Account balance | £1+ |
|---|---|---|
| 01.04.09 | Tax-free p.a./AER % * | 1.00 |
| 01.03.09 | Tax-free p.a./AER % * | 1.50 |
| 01.02.09 | Tax-free p.a./AER % * | 2.00 |
| 01.01.09 | Tax-free p.a./AER % * | 2.50 |
| 01.12.08 | Tax-free p.a./AER % * | 3.50 |
| 01.11.08 | Tax-free p.a./AER % * | 5.00 |
| 01.05.08 | Tax-free p.a./AER % * | 5.50 |
| 01.03.08 | Tax-free p.a./AER % * | 5.75 |
Cash Tracker 30 Day Notice ISA Postal account
| Date | Account balance | £3,000 + |
|---|---|---|
| 01.04.09 | Tax-free p.a./AER % * | 0.50 |
| 01.03.09 | Tax-free p.a./AER % * | 1.00 |
| 01.02.09 | Tax-free p.a./AER % * | 1.50 |
| 01.01.09 | Tax-free p.a./AER % * | 2.00 |
| 01.12.08 | Tax-free p.a./AER % * | 3.00 |
| 01.11.08 | Tax-free p.a./AER % * | 4.50 |
| 01.05.08 | Tax-free p.a./AER % * | 5.00 |
| 01.03.08 | Tax-free p.a./AER % * | 6.05/5.65 |
Rate includes 6 months bonus of 0.80%. Rate reverts to Bank of England base rate after bonus period.
TESSA only ISA (TOISA)
| Date | Account balance | £500 + |
|---|---|---|
| 01.04.09 | Tax-free p.a./AER % * | 0.70 |
| 01.03.09 | Tax-free p.a./AER % * | 1.20 |
| 01.02.09 | Tax-free p.a./AER % * | 1.70 |
| 01.01.09 | Tax-free p.a./AER % * | 2.20 |
| 01.12.08 | Tax-free p.a./AER % * | 3.20 |
| 01.11.08 | Tax-free p.a./AER % * | 4.70 |
| 01.05.08 | Tax-free p.a./AER % * | 5.20 |
| 01.03.08 | Tax-free p.a./AER % * | 5.45 |
Cash 90 Day Notice ISA
| Date | Account balance | £1 + |
|---|---|---|
| 04.07.09 | Tax-free p.a./AER % * | 0.60 |
Cash 180 Day Notice ISA (Issue 2)
| Date | Account balance | £1,000 + |
|---|---|---|
| 04.07.09 | Tax-free p.a./AER % * | 1.05 |
The account tracks the Bank of England Base Rate plus 0.55% for balances over £1,000
Fixed Rate savings accounts & Bonds
Two Year Fixed Rate Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 28.02.18 | 14.06.18 | £500 | £50,000 | 1.50%/1.51% |
Three Year Fixed Rate Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 28.02.18 | 14.06.18 | £500 | £75,000 | 1.65%/1.68% |
One Year Fixed Rate Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 15.12.17 | 07.02.18 | £500 | £500,000 | 1.00 |
One Year Fixed Rate Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 15.12.17 | 07.02.18 | £500 | £500,000 | 1.00/1.00 |
One Year Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 26.08.16 | 31.01.17 | £500 | £500,000 | 0.85 |
One Year Fixed Rate Members' Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 26.08.16 | 31.01.17 | £500 | £500,000 | 0.85/0.85 |
One Year Fixed Rate Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 14.07.16 | 25.08.16 | £500 | £500,000 | 1.05 |
One Year Fixed Rate Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 14.07.16 | 25.08.16 | £500 | £500,000 | 1.04/1.05 |
One Year Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 08.06.16 | 25.08.16 | £500 | £500,000 | 1.10 |
One Year Fixed Rate Members' Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 08.06.16 | 25.08.16 | £500 | £500,000 | 1.09/1.10 |
Two Year Fixed Rate Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 14.07.16 | 22.07.16 | £500 | £500,000 | 1.15 |
Two Year Fixed Rate Members' Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 08.06.16 | 22.07.16 | £500 | £500,000 | 1.20 |
One Year Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 26.04.16 | 07.06.16 | £500 | £500,000 | 1.35 |
One Year Fixed Rate Members' Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 26.04.16 | 07.06.16 | £500 | £500,000 | 1.34/1.35 |
Two Year Fixed Rate Members' Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 14.07.15 | 07.06.16 | £500 | £500,000 | 1.25 |
One Year Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 22.02.16 | 25.04.16 | £500 | £500,000 | 1.55 |
One Year Fixed Rate Members' Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 22.02.16 | 25.04.16 | £500 | £500,000 | 1.54/1.55 |
One Year Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 14.07.15 | 21.02.16 | £500 | £500,000 | 1.15 | 0.92 |
One Year Fixed Rate Members' Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 14.07.15 | 21.02.16 | £500 | £500,000 | 1.14/1.15 | 0.91 |
One Year Fixed Rate Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 24.04.15 | 13.07.15 | £500 | £500,000 | 1.30 | 1.04 |
One Year Fixed Rate Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 24.04.15 | 13.07.15 | £500 | £500,000 | 1.29/1.30 | 1.03 |
One Year Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 24.04.15 | 13.07.15 | £500 | £500,000 | 1.45 | 1.16 |
One Year Fixed Rate Members' Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 24.04.15 | 13.07.15 | £500 | £500,000 | 1.44/1.45 | 1.15 |
Two Year Fixed Rate Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 24.04.15 | 13.07.15 | £500 | £500,000 | 1.40 | 1.12 |
Two Year Fixed Rate Members' Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 24.04.15 | 13.07.15 | £500 | £500,000 | 1.55 | 1.24 |
One Year Fixed Rate Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 16.07.13 | 16.04.15 | £500 | £1,000,000 | 1.50 | 1.20 |
One Year Fixed Rate Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 16.07.13 | 16.04.15 | £500 | £1,000,000 | 1.49/1.50 | 1.19 |
One Year Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 16.07.13 | 16.04.15 | £500 | £1,000,000 | 1.75 | 1.40 |
One Year Fixed Rate Members' Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 16.07.13 | 16.04.15 | £500 | £1,000,000 | 1.74/1.75 | 1.39 |
Two Year Fixed Rate Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 19.01.15 | 16.04.15 | £500 | £1,000,000 | 2.00 | 1.60 |
Two Year Fixed Rate Members' Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 19.01.15 | 16.04.15 | £500 | £1,000,000 | 2.10 | 1.68 |
Four Year Step Bond
| Date opened | Date closed | Minimum Deposit | Deposit Term | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|---|---|
| 03.03.15 | 10.04.15 | £500 | Year 1 | 1.75 | 1.40 |
| Year 2 | 2.20 | 1.76 | |||
| Year 3 | 2.60 | 2.08 | |||
| Year 4 | 3.45 | 2.76 |
Four Year Step Bond
| Date opened | Date closed | Minimum Deposit | Deposit Term | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|---|---|
| 27.10.14 | 20.02.15 | £500 | Year 1 | 1.50 | 1.20 |
| Year 2 | 2.20 | 1.76 | |||
| Year 3 | 3.15 | 2.52 | |||
| Year 4 | 4.30 | 3.44 |
Four Year Members' Step Bond
| Date opened | Date closed | Minimum Deposit | Deposit Term | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|---|---|
| 27.10.14 | 20.02.15 | £500 | Year 1 | 1.75 | 1.40 |
| Year 2 | 2.30 | 1.84 | |||
| Year 3 | 3.20 | 2.56 | |||
| Year 4 | 4.80 | 3.84 |
Three Year Members' Step Bond
| Date opened | Date closed | Minimum Deposit | Deposit Term | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|---|---|
| 12.03.14 | 02.01.15 | £500 | Year 1 | 1.65 | 1.32 |
| Year 2 | 1.85 | 1.48 | |||
| Year 3 | 2.05 | 1.64 |
One Year Fixed Rate Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 31.05.13 | 16.07.13 | £500 | £1,000,000 | 1.75 | 1.40 |
One Year Fixed Rate Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 31.05.13 | 16.07.13 | £500 | £1,000,000 | 1.75/1.74 | 1.39 |
One Year Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 31.05.13 | 05.07.13 | £500 | £1,000,000 | 2.00 | 1.60 |
One Year Fixed Rate Members' Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 31.05.13 | 28.06.13 | £500 | £1,000,000 | 2.00/1.98 | 1.58 |
One Year Fixed Rate Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 17.01.13 | 31.05.13 | £500 | £1,000,000 | 2.00 | 1.60 |
One Year Fixed Rate Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 17.01.13 | 31.05.13 | £500 | £1,000,000 | 2.00/1.98 | 1.58 |
Two Year Fixed Term, Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 17.01.13 | 01.06.13 | £500 | £1,000,000 | 2.25 | 1.80 |
18 Month Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 12.12.12 | 17.01.13 | £500 | £1,000,000 | 2.35 | 1.88 |
18 Month Fixed Rate Members' Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 12.12.12 | 17.01.13 | £500 | £1,000,000 | 2.33/2.35 | 1.86 |
One Year Fixed Rate Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 02.10.12 | 11.12.12 | £500 | £1,000,000 | 2.50 | 2.00 |
One Year Fixed Rate Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 02.10.12 | 11.12.12 | £500 | £1,000,000 | 2.47/2.50 | 1.98 |
One Year Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 02.10.12 | 11.12.12 | £500 | £1,000,000 | 2.75 | 2.20 |
One Year Fixed Rate Members' Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 02.10.12 | 11.12.12 | £500 | £1,000,000 | 2.72/2.75 | 2.18 |
One Year Fixed Rate Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 22.03.12 | 01.10.12 | £500 | £1,000,000 | 2.75 | 2.20 |
One Year Fixed Rate Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 22.03.12 | 01.10.12 | £500 | £1,000,000 | 2.72/2.75 | 2.18 |
One Year Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 28.06.12 | 01.10.12 | £500 | £1,000,000 | 2.85 | 2.28 |
One Year Fixed Rate Members' Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 28.06.12 | 01.10.12 | £500 | £1,000,000 | 2.81/2.85 | 2.25 |
Online One Year Fixed Term, Fixed Rate Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 24.06.12 | 01.10.12 | £500 | £1,000,000 | 2.85 | 2.28 |
Two Year Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 11.07.12 | 15.09.12 | £5,000 | £1,000,000 | 3.20 | 2.56 |
Two Year Fixed Rate Members' Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 11.07.12 | 15.09.12 | £5,000 | £1,000,000 | 3.15/3.20 | 2.52 |
18 Month Fixed Term, Fixed Rate Loyalty Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 18.10.11 | 30.12.11 | £500 | £1,000,000 | 3.25 | 2.60 |
One Year Fixed Term, Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 22.03.11 | 27.06.11 | £500 | £1,000,000 | 3.00 | 2.40 |
One Year Fixed Term, Fixed Rate Members' Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 22.03.11 | 27.06.11 | £500 | £1,000,000 | 2.96/3.00 | 2.37 |
Four Year (to 30/04/15) Fixed Rate Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 31.03.11 | 06.05.11 | £500 | £1,000,000 | 4.50 | 3.60 |
Four Year (to 30/04/15) Fixed Rate Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 31.03.11 | 06.05.11 | £500 | £1,000,000 | 4.41/4.50 | 3.53 |
Two Year Fixed Term, Fixed Rate Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 06.07.10 | 05.04.11 | £500 | £1,000,000 | 3.00 | 2.40 |
One Year Fixed Term, Fixed Rate Bond
| Date opened | Date closed | Minimum Deposit | Deposit amount | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 01.08.10 | 21.03.11 | £500 | 2.40 | 1.92 | |
| £20,000 + | 2.50 | 2.00 |
One Year Fixed Term, Fixed Rate Members' Bond - Annual Income
| Date opened | Date closed | Minimum Deposit | Deposit amount | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 01.08.10 | 21.03.11 | £500 | 2.50 | 2.00 | |
| £20,000 + | 2.60 | 2.08 |
One Year Fixed Term, Fixed Rate Members' Bond - Monthly Income
| Date opened | Date closed | Minimum Deposit | Deposit amount | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 01.08.10 | 21.03.11 | £500 | 2.47/2.50 | 2.00 | |
| £20,000 + | 2.57/2.60 | 2.06 |
One Year Fixed Term, Fixed Rate Linked Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 24.09.10 | 12.01.11 | £500 | £30,000 | 4.00 | 3.20 |
You may only hold one Credit Suisse Protected Capital Plus Account with one associated One year Fixed Term, Fixed Rate Linked bond. If you cancel the Credit Suisse Protected Capital Plus Account at any time during the one year term of the bond, you will no longer be entitled to the Linked bond and your bond Deposit will revert to a Easy Access account.
One Year Fixed Term, Fixed Rate IFA Linked Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 20.08.10 | 12.01.11 | £500 | £30,000 | 4.00 | 3.20 |
Available via Saffron branches only.
Three Year Fixed Rate Stepped Bond
| Date opened | Date closed | Minimum Deposit | Deposit Term | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|---|---|
| 22.06.10 | 06.09.10 | £500 | Year 1 | 2.50 | 2.00 |
| Year 2 | 3.25 | 2.60 | |||
| Year 3 | 4.00 | 3.20 |
One Year Fixed Term, Fixed Rate Bond
| Date opened | Date closed | Minimum Deposit | Deposit amount | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 08.06.10 | 31.07.10 | £500 | 2.00 | 1.60 | |
| £20,000 + | 2.25 | 1.80 |
One Year Fixed Term, Fixed Rate Members' Bond
| Date opened | Date closed | Minimum Deposit | Deposit amount | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 08.06.10 | 31.07.10 | £500 | 2.25 | 1.80 | |
| £20,000 + | 2.50 | 2.00 |
One Year Fixed Term, Fixed Rate Linked Bond
| 5 Year PCPA Option | 6 Year PCPA Option | ||||
| Date opened | Bond Deposit | Gross p.a./AER % * | Net p.a. % | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 13.04.10 | £500 or over | 3.80 | 3.04 | 4.80 | 3.84 |
| £20,000 or over | 4.00 | 3.20 | 5.00 | 4.00 | |
You may only hold one Credit Suisse Protected Capital Plus Account with one associated One year Fixed Term Fixed Rate Linked bond. If you cancel the Credit Suisse Protected Capital Plus Account at any time during the one year term of the bond, you will no longer be entitled to the Linked bond and your bond Deposit will revert to a Easy Access account.
Super bond
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 01.04.09 | £500 + | 2.50 | 2.00 |
| 01.03.09 | £500 + | 3.00 | 2.40 |
| 01.02.09 | £500 + | 3.50 | 2.80 |
| 01.01.09 | £500 + | 4.00 | 3.20 |
Your Super Bond rate can only be maintained providing you maintain your Guaranteed Capital Plus Account Deposit. In the event you cancel your Guaranteed Capital Plus Account during the term of your Super Bond the Super Bond rate will revert to 1% p.a./AER
Inflation Buster Bond (Issue 2)
| Date | Account balance | £500 + |
|---|---|---|
| 21.10.10 | gross p.a./AER % * Net p.a. % |
6.60/6.40 5.28 |
| 01.07.10 | gross p.a./AER % * Net p.a. % |
7.10/6.88 5.68 |
| 01.04.10 | gross p.a./AER % * Net p.a. % |
5.70/5.56 4.56 |
| 01.01.10 | gross p.a./AER % * Net p.a. % |
2.30/2.28 1.84 |
| 01.10.09 | gross p.a./AER % * Net p.a. % |
0.70/0.70 0.56 |
| 07.07.09 | gross p.a./AER % * Net p.a. % |
0.90/0.90 0.72 |
| 01.04.09 | gross p.a./AER % * Net p.a. % |
2.00/1.98 1.60 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
5.00/4.88 4.00 |
| 01.10.08 | gross p.a./AER % * Net p.a. % |
6.80/6.58 5.44 |
Guaranteed to track the All Items Retail Price Index (RPI) annual change percentage plus 2.00% for the two year term
Inflation Buster Bond (Issue 1)
| Date | Account balance | £500 + |
|---|---|---|
| 21.10.10 | gross p.a./AER % * Net p.a. % |
6.60/6.40 5.28 |
| 01.07.10 | gross p.a./AER % * Net p.a. % |
7.10/6.88 5.68 |
| 01.04.10 | gross p.a./AER % * Net p.a. % |
5.70/5.56 4.56 |
| 01.01.10 | gross p.a./AER % * Net p.a. % |
2.30/2.28 1.84 |
| 01.10.09 | gross p.a./AER % * Net p.a. % |
0.70/0.70 0.56 |
| 07.07.09 | gross p.a./AER % * Net p.a. % |
0.90/0.90 0.72 |
| 01.04.09 | gross p.a./AER % * Net p.a. % |
2.00/1.98 1.60 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
5.00/4.88 4.00 |
| 23.09.08 | gross p.a./AER % * Net p.a. % |
6.80/6.58 5.44 |
| 23.09.08 | gross p.a./AER % * Net p.a. % |
6.30/6.11 5.04 |
Guaranteed to track the All items Retail Price Index (RPI) annual change percentage plus 2.00% for the two year term
Goal-based savings accounts
Goal saver accounts
Goal saver account (Issue 8)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
Goal saver account (Issue 7)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10 + | 1.70 | 1.36 |
| 11.01.13 | £10 + | 1.80 | 1.44 |
Goal saver account (Issue 6)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10 + | 1.70 | 1.36 |
| 27.11.12 | £10 + | 2.20 | 1.76 |
Goal saver account (Issue 5)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10 + | 1.70 | 1.36 |
| 03.01.13 | £10 + | 2.20 | 1.76 |
| 16.11.12 | £10 + | 2.50 | 2.00 |
Goal saver account (Issue 4)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10 + | 1.70 | 1.36 |
| 03.01.13 | £10 + | 2.20 | 1.76 |
| 11.11.11 | £10 + | 2.65 | 2.12 |
Goal saver account (Issue 3)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10 + | 1.70 | 1.36 |
| 03.01.13 | £10 + | 2.20 | 1.76 |
| 01.12.12 | £10 + | 2.60 | 2.08 |
| 08.06.12 | £10 + | 2.85 | 2.28 |
| 14.10.11 | £10 + | 3.15 | 2.52 |
Goal saver account (Issue 2)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10 + | 1.70 | 1.36 |
| 03.01.13 | £10 + | 2.20 | 1.76 |
| 19.12.11 | £10 + | 2.50 | 2.00 |
| 05.08.10 | £10 + | 2.65 | 2.12 |
| 20.01.10 | £10 + | 2.25 | 1.80 |
Goal saver account (Issue 1)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10 + | 1.70 | 1.36 |
| 03.01.13 | £10 + | 2.20 | 1.76 |
| 19.12.11 | £10 + | 2.50 | 2.00 |
| 04.08.09 | £10 + | 2.85 | 2.28 |
| 01.04.09 | £10 + | 2.30 | 1.84 |
Wedding saver accounts
Wedding saver account (Issue 6)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
Wedding saver account (Issue 5)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10 + | 1.70 | 1.36 |
| 11.01.13 | £10 + | 1.80 | 1.44 |
Wedding saver account (Issue 3)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10 + | 1.70 | 1.36 |
| 03.01.13 | £10 + | 2.20 | 1.76 |
| 16.11.12 | £10 + | 2.50 | 2.00 |
Wedding saver account (Issue 1)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10 + | 1.70 | 1.36 |
| 03.01.13 | £10 + | 2.20 | 1.76 |
| 08.06.12 | £10 + | 2.85 | 2.28 |
| 14.10.11 | £10 + | 3.15 | 2.52 |
Car saver accounts
Car saver account (Issue 6)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
Car saver account (Issue 3)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10 + | 1.70 | 1.36 |
| 03.01.13 | £10 + | 2.20 | 1.76 |
| 16.11.12 | £10 + | 2.50 | 2.00 |
Car saver account (Issue 1)
| Date | Account balance | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|
| 20.09.17 | £10+ | 0.50 | N/A |
| 22.09.16 | £10+ | 0.75 | 0.60 |
| 03.06.16 | £10+ | 1.00 | 0.80 |
| 15.07.15 | £10+ | 1.15 | 0.92 |
| 05.03.14 | £10+ | 1.25 | 1.00 |
| 30.09.13 | £10+ | 1.50 | 1.20 |
| 04.03.13 | £10 + | 1.70 | 1.36 |
| 03.01.13 | £10 + | 2.20 | 1.76 |
| 08.06.12 | £10 + | 2.85 | 2.28 |
| 14.10.11 | £10 + | 3.15 | 2.52 |
Tracker bonds
One Year Tracker Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 16.06.12 | 16.11.12 | £500 | £1,000,000 | 2.75 | 2.20 |
One Year Tracker Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 16.06.12 | 16.11.12 | £500 | £1,000,000 | 2.72/2.75 | 2.18 |
Two Year Tracker Bond
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 27.09.11 | 01.10.12 | £500 | £1,000,000 | 3.00 | 2.40 |
Children's savings accounts
Ladybird (Issue 6)
| Date | Account balance | £1 to £9,999 | £10,000 to £24,999 | £25,000 + |
|---|---|---|---|---|
| 08.05.18 | gross p.a./AER % | 0.95 | 0.95 | 0.95 |
| 05.07.17 | gross p.a./AER % * Net p.a. % |
0.95 0.76 |
0.95 0.76 |
0.95 0.76 |
| 21.12.16 | gross p.a./AER % * Net p.a. % |
1.45 1.16 |
1.45 1.16 |
1.45 1.16 |
Ladybird (Issue 5)
| Date | Account balance | £1 to £9,999 | £10,000 to £24,999 | £25,000 + |
|---|---|---|---|---|
| 19.01.15 | gross p.a./AER % * Net p.a. % |
2.05 1.64 |
2.05 1.64 |
2.25 1.80 |
Ladybird (Issue 4)
| Date | Account balance | £1 to £9,999 | £10,000 to £24,999 | £25,000 + |
|---|---|---|---|---|
| 17.06.14 | gross p.a./AER % * Net p.a. % |
2.05 1.64 |
2.05 1.64 |
2.25 1.80 |
| 02.04.14 | gross p.a./AER % * Net p.a. % |
1.50 1.20 |
1.85 1.48 |
2.25 1.80 |
Ladybird (Issue 3)
| Date | Account balance | £1 to £9,999 | £10,000 to £24,999 | £25,000 + |
|---|---|---|---|---|
| 17.06.14 | gross p.a./AER % * Net p.a. % |
2.05 1.64 |
2.05 1.64 |
2.25 1.80 |
| 01.11.09 | gross p.a./AER % * Net p.a. % |
1.50 1.20 |
1.85 1.48 |
2.25 1.80 |
Ladybird (Issue 2)
| Date | Account balance | £1 to £9,999 | £10,000 to £24,999 | £25,000 + |
|---|---|---|---|---|
| 17.06.14 | gross p.a./AER % * Net p.a. % |
2.05 1.64 |
2.05 1.64 |
2.25 1.80 |
| 01.04.09 | gross p.a./AER % * Net p.a. % |
1.50 1.20 |
1.85 1.48 |
2.25 1.80 |
| 01.03.09 | gross p.a./AER % * Net p.a. % |
2.25 1.80 |
2.60 2.08 |
3.00 2.40 |
| 01.02.09 | gross p.a./AER % * Net p.a. % |
2.75 2.20 |
3.10 2.48 |
3.50 2.80 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
2.75 2.20 |
3.10 2.48 |
3.50 2.80 |
| 01.12.08 | gross p.a./AER % * Net p.a. % |
3.25 2.60 |
3.60 2.88 |
4.00 3.20 |
| 01.11.08 | gross p.a./AER % * Net p.a. % |
4.75 3.80 |
5.10 4.08 |
5.50 4.40 |
Ladybird (Issue 1)
| Date | Account balance | £1 to £9,999 | £10,000 to £24,999 | £25,000 + |
|---|---|---|---|---|
| 17.06.14 | gross p.a./AER % * Net p.a. % |
2.05 1.64 |
2.05 1.64 |
2.25 1.80 |
| 01.04.09 | gross p.a./AER % * Net p.a. % |
1.50 1.20 |
1.85 1.48 |
2.25 1.80 |
| 01.03.09 | gross p.a./AER % * Net p.a. % |
2.25 1.80 |
2.60 2.08 |
3.00 2.40 |
| 01.02.09 | gross p.a./AER % * Net p.a. % |
2.75 2.20 |
3.10 2.48 |
3.50 2.80 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
2.75 2.20 |
3.10 2.48 |
3.50 2.80 |
| 01.12.08 | gross p.a./AER % * Net p.a. % |
3.25 2.60 |
3.60 2.88 |
4.00 3.20 |
| 01.11.08 | gross p.a./AER % * Net p.a. % |
4.75 3.80 |
5.10 4.08 |
5.50 4.40 |
Smart Saver (Issue 2)
| Date | Account balance | £1 to £9,999 | £10,000 to £24,999 | £25,000 + |
|---|---|---|---|---|
| 08.05.18 | gross p.a./AER % | 0.95 | 0.95 | 0.95 |
| 05.07.17 | gross p.a./AER % * Net p.a. % |
0.95 0.76 |
0.95 0.76 |
0.95 0.76 |
| 21.12.16 | gross p.a./AER % * Net p.a. % |
1.45 1.16 |
1.45 1.16 |
1.45 1.16 |
Smart Saver (Issue 1)
| Date | Account balance | £1 to £9,999 | £10,000 to £24,999 | £25,000 + |
|---|---|---|---|---|
| 17.06.14 | gross p.a./AER % * Net p.a. % |
2.05 1.64 |
2.05 1.64 |
2.25 1.80 |
| 02.04.14 | gross p.a./AER % * Net p.a. % |
1.50 1.20 |
1.85 1.48 |
2.25 1.80 |
V4 (Issue 3)
| Date | Account balance | £1 to £9,999 | £10,000 to £24,999 | £25,000 + |
|---|---|---|---|---|
| 17.06.14 | gross p.a./AER % * Net p.a. % |
2.05 1.64 |
2.05 1.64 |
2.25 1.80 |
| 02.04.14 | gross p.a./AER % * Net p.a. % |
1.50 1.20 |
1.85 1.48 |
2.25 1.80 |
V4 (Issue 2)
| Date | Account balance | £1 to £9,999 | £10,000 to £24,999 | £25,000 + |
|---|---|---|---|---|
| 17.06.14 | gross p.a./AER % * Net p.a. % |
2.05 1.64 |
2.05 1.64 |
2.25 1.80 |
| 01.11.09 | gross p.a./AER % * Net p.a. % |
1.00 0.80 |
1.35 1.08 |
1.75 1.40 |
V4 (Issue 1)
| Date | Account balance | £1 to £9,999 | £10,000 to £24,999 | £25,000 + |
|---|---|---|---|---|
| 17.06.14 | gross p.a./AER % * Net p.a. % |
2.05 1.64 |
2.05 1.64 |
2.25 1.80 |
| 01.04.09 | gross p.a./AER % * Net p.a. % |
1.00 0.80 |
1.35 1.08 |
1.75 1.40 |
| 01.03.09 | gross p.a./AER % * Net p.a. % |
1.75 1.40 |
2.10 1.68 |
2.50 2.00 |
| 01.02.09 | gross p.a./AER % * Net p.a. % |
2.25 1.80 |
2.60 2.08 |
3.00 2.40 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
2.75 2.20 |
3.10 2.48 |
3.50 2.80 |
| 01.12.08 | gross p.a./AER % * Net p.a. % |
3.25 2.60 |
3.60 2.88 |
4.00 3.20 |
| 01.11.08 | gross p.a./AER % * Net p.a. % |
4.75 3.80 |
5.10 4.08 |
5.50 4.40 |
Theo's Gang Regular savings account
| Date | Account balance | £1 + |
|---|---|---|
| 04.07.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
Limited Access savings accounts
Members' 120 Day Notice Account (Issue 2)
| Date | Account balance | £500 + |
|---|---|---|
| 01.12.17 | gross p.a./AER % * | 0.95 |
| 05.07.17 | gross p.a./AER % * | 0.70 |
| 05.10.16 | gross p.a./AER % * | 1.05 |
| 28.07.16 | gross p.a./AER % * | 1.30 |
| 22.07.16 | gross p.a./AER % * | 1.35 |
120 days’ notice is required for withdrawals. If no notice is given you can access your funds immediately but there will be a 120 day interest penalty to be deducted from the capital sum if necessary.
The minimum amount to open the account is £500 and this minimum must be maintained at all times to keep the account open.
Members' 120 Day Notice Account (Issue 1)
| Date | Account balance | £500 + |
|---|---|---|
| 22.02.16 | gross p.a./AER % * Net p.a. % |
1.55 1.24 |
120 days’ notice is required for withdrawals. If no notice is given you can access your funds immediately but there will be a 120 day interest penalty to be deducted from the capital sum if necessary.
The minimum amount to open the account is £500 and this minimum must be maintained at all times to keep the account open.
Cashbuild 90
| Date | Account balance | £10,000+ | £25,000+ | £50,000+ |
|---|---|---|---|---|
| 05.10.16 | gross p.a./AER%* | 0.80 | 0.85 | 0.90 |
| 22.07.16 | gross p.a./AER%* | 1.05 | 1.10 | 1.15 |
If a minimum balance of £10,000 is maintained, up to three no notice withdrawals are permitted each calendar year, providing the total amount withdrawn during the calendar year does not exceed £15,000 (balance permitting).
More than three no notice withdrawals in a calendar year will result in the loss of 90 days' interest.
If your balance is under £10,000, 90 days' notice is required for all withdrawals; or immediate access will result in the loss of 90 days' interest to be deducted from the capital sum if necessary.
If you wish to close your account you will need to give us 30 days’ notice. If no notice is given you can close your account immediately but there will be a 30 day interest penalty on closure.
90 day tracker
| Date | Account balance | £5,000 + |
|---|---|---|
| 01.04.09 | gross p.a./AER % * Net p.a. % |
0.50 0.40 |
| 01.03.09 | gross p.a./AER % * Net p.a. % |
1.00 0.80 |
| 01.02.09 | gross p.a./AER % * Net p.a. % |
1.50 1.20 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
2.00 1.60 |
| 01.12.08 | gross p.a./AER % * Net p.a. % |
3.00 2.40 |
| 01.11.08 | gross p.a./AER % * Net p.a. % |
4.50 3.60 |
| 01.05.08 | gross p.a./AER % * Net p.a. % |
5.00 4.00 |
| 01.03.08 | gross p.a./AER % * Net p.a. % |
5.25 4.20 |
60 Day Notice Annual Interest
[Previously known as Cashbuild 60 Annual Interest]
| Date | Account balance | £500 | £10,000+ | £25,000+ | £50,000+ | £100,000+ | £250,000+ |
|---|---|---|---|---|---|---|---|
| 25.07.09 | gross p.a./AER%* Net p.a. % |
0.05 0.04 |
0.10 0.08 |
0.10 0.08 |
0.10 0.08 |
0.15 0.12 |
0.25 0.20 |
60 Day Notice Monthly Interest
[Previously known as Cashbuild 60 Monthly Interest]
| Date | Account balance | £5,000 | £10,000+ | £25,000+ | £50,000+ | £100,000+ | £250,000+ |
|---|---|---|---|---|---|---|---|
| 25.07.09 | gross p.a./AER%* Net p.a. % |
0.05/0.05 0.04 |
0.10/0.10 0.08 |
0.10/0.10 0.08 |
0.10/0.10 0.08 |
0.15/0.15 0.12 |
0.25/0.25 0.20 |
Longer-term savings & Investments
One Year Fixed Term, Fixed Rate Linked Cash ISA
| Date | Minimum deposit | Maximum deposit per tax year | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|---|
| 07.07.13 | £500 | £30,000 | 4.00 | n/a |
As this is a fixed term account, you must make all payments in as part of the opening process.
One Year Fixed Term, Fixed Rate Linked Bond - Annual Income
| Date | Minimum deposit | Maximum deposit per tax year | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|---|
| 07.07.13 | £500 | £30,000 | 4.00 | 3.20 |
As this is a fixed term account, you must make all payments in as part of the opening process.
One Year Fixed Term, Fixed Rate Linked Bond - Monthly Income
| Date | Minimum deposit | Maximum deposit per tax year | Gross p.a. / AER % * | Net p.a. % (after deduction of basic rate tax) |
|---|---|---|---|---|
| 07.07.13 | £500 | £30,000 | 3.93/4.00 | 3.14 |
As this is a fixed term account, you must make all payments in as part of the opening process.
Business savings accounts
Charity Tracker
| Date | Account balance | Gross p.a. / AER % * |
|---|---|---|
| 29.11.17 | £500+ | 1.50 |
| 01.09.16 | £500+ | 1.25 |
| 01.02.10 | £500+ | 1.50 |
This account tracks 1.00% above the Bank of England base rate
90 days' notice is required for a withdrawal or immediate access at the loss of 90 days' interest (You will incur an interest penalty equivalent to 90 days' interest, to be deducted from the capital sum if necessary).
Corporate One Year Tracker Bond (Issue 3) - Annual Income
| Date | Deposit amount | Gross p.a./AER % * |
|---|---|---|
| 29.11.17 | £5,000+ | 1.00 |
| 01.09.16 | £5,000+ | 0.75 |
This account tracks the Bank of England base rate for one year
Corporate One Year Tracker Bond (Issue 3) - Monthly Income
| Date | Deposit amount | Gross p.a./AER % * |
|---|---|---|
| 29.11.17 | £5,000+ | 1.00/1.00 |
| 01.09.16 | £5,000+ | 0.75/0.75 |
This account tracks the Bank of England base rate for one year
One Year Fixed Term, Tracker Corporate Bond (Issue 2) - Annual Income
| Date opened | Date closed | Deposit amount | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|
| 28.10.14 | 01.09.15 | £5,000+ | 1.50 | 1.20 |
This account tracks 1.00% above the Bank of England base rate for one year
One Year Fixed Term, Tracker Corporate Bond (Issue 2) - Monthly Income
| Date opened | Date closed | Deposit amount | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|
| 28.10.14 | 01.09.15 | £5,000+ | 1.49/1.50 | 1.20 |
This account tracks 1.00% above the Bank of England base rate for one year
One Year Fixed Term, Tracker Corporate Bond (Issue 1) - Annual Income
| Date opened | Date closed | Deposit amount | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|
| 14.05.14 | 27.10.14 | £5,000+ | 1.00 | 0.80 |
This account tracks 0.50% above the Bank of England base rate for one year
One Year Fixed Term, Tracker Corporate Bond (Issue 1) - Monthly Income
| Date opened | Date closed | Deposit amount | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|
| 14.05.14 | 27.10.14 | £5,000+ | 1.00/1.00 | 0.80 |
This account tracks 0.50% above the Bank of England base rate for one year
Business e-saver (Issue 3)
| Date | Account balance | £1,000 to £99,999 | £100,000 + |
|---|---|---|---|
| 22.09.16 | gross p.a./AER % * Net p.a. % |
0.20 0.16 |
0.20 0.16 |
| 17.09.15 | gross p.a./AER % * Net p.a. % |
0.50 0.40 |
0.50 0.40 |
| 19.02.15 | gross p.a./AER % * Net p.a. % |
0.75 0.60 |
0.75 0.60 |
| 14.05.14 | gross p.a./AER % * Net p.a. % |
0.50 0.40 |
0.50 0.40 |
| 18.03.14 | gross p.a./AER % * Net p.a. % |
0.80 0.64 |
0.80 0.64 |
| 11.09.13 | gross p.a./AER % * Net p.a. % |
1.00 0.80 |
1.00 0.80 |
| 14.12.12 | gross p.a./AER % * Net p.a. % |
1.25 1.00 |
1.50 1.20 |
| 14.11.12 | gross p.a./AER % * Net p.a. % |
1.50 1.20 |
1.75 1.40 |
Business e-saver (Issue 2)
| Date | Account balance | £1,000 to £99,999 | £100,000 + |
|---|---|---|---|
| 22.09.16 | gross p.a./AER % * Net p.a. % |
0.20 0.16 |
0.20 0.16 |
| 17.09.15 | gross p.a./AER % * Net p.a. % |
0.50 0.40 |
0.50 0.40 |
| 19.02.15 | gross p.a./AER % * Net p.a. % |
0.75 0.60 |
0.75 0.60 |
| 14.05.14 | gross p.a./AER % * Net p.a. % |
0.50 0.40 |
0.50 0.40 |
| 18.03.14 | gross p.a./AER % * Net p.a. % |
0.80 0.64 |
0.80 0.64 |
| 11.09.13 | gross p.a./AER % * Net p.a. % |
1.00 0.80 |
1.00 0.80 |
| 03.01.13 | gross p.a./AER % * Net p.a. % |
1.25 1.00 |
1.50 1.20 |
| 15.11.11 | gross p.a./AER % * Net p.a. % |
1.50 1.20 |
1.75 1.40 |
| 01.06.09 | gross p.a./AER % * Net p.a. % |
1.50 1.20 |
1.50 1.20 |
Solicitors' Online Reserve account (Issue 4) - Annual Income
| Date | Account balance | £1,000 or over |
|---|---|---|
| 22.09.16 | gross p.a./AER % * Net p.a. % |
0.20 0.16 |
| 17.09.15 | gross p.a./AER % * Net p.a. % |
0.50 0.40 |
| 19.02.15 | gross p.a./AER % * Net p.a. % |
0.75 0.60 |
| 14.05.14 | gross p.a./AER % * Net p.a. % |
0.50 0.40 |
| 03.03.14 | gross p.a./AER % * Net p.a. % |
1.00 0.80 |
| 01.03.14 | gross p.a./AER % * Net p.a. % |
1.25 1.00 |
Solicitors' Online Reserve account (Issue 4) - Monthly Income
| Date | Account balance | £1,000 or over |
|---|---|---|
| 22.09.16 | gross p.a./AER % * Net p.a. % |
0.20/0.20 0.16 |
| 17.09.15 | gross p.a./AER % * Net p.a. % |
0.50/0.50 0.40 |
| 19.02.15 | gross p.a./AER % * Net p.a. % |
0.75/0.75 0.60 |
| 14.05.14 | gross p.a./AER % * Net p.a. % |
0.50/0.50 0.40 |
| 03.03.14 | gross p.a./AER % * Net p.a. % |
1.00/1.00 0.80 |
| 01.03.14 | gross p.a./AER % * Net p.a. % |
1.24/1.25 0.99 |
Solicitors' Online Reserve account (Issue 3 - Annual Income
| Date | Account balance | £1,000 or over |
|---|---|---|
| 22.09.16 | gross p.a./AER % * Net p.a. % |
0.20 0.16 |
| 17.09.15 | gross p.a./AER % * Net p.a. % |
0.50 0.40 |
| 19.02.15 | gross p.a./AER % * Net p.a. % |
0.75 0.60 |
| 14.05.14 | gross p.a./AER % * Net p.a. % |
0.50 0.40 |
| 03.03.14 | gross p.a./AER % * Net p.a. % |
1.00 0.80 |
| 11.09.13 | gross p.a./AER % * Net p.a. % |
1.25 1.00 |
| 28.11.12 | gross p.a./AER % * Net p.a. % |
2.00 1.60 |
Solicitors' Online Reserve account (Issue 3) - Monthly Income
| Date | Account balance | £1,000 or over |
|---|---|---|
| 22.09.16 | gross p.a./AER % * Net p.a. % |
0.20/0.20 0.16 |
| 17.09.15 | gross p.a./AER % * Net p.a. % |
0.50/0.50 0.40 |
| 19.02.15 | gross p.a./AER % * Net p.a. % |
0.75/0.75 0.60 |
| 14.05.14 | gross p.a./AER % * Net p.a. % |
0.50/0.50 0.40 |
| 03.03.14 | gross p.a./AER % * Net p.a. % |
1.00/1.00 0.80 |
| 11.09.13 | gross p.a./AER % * Net p.a. % |
1.24/1.25 0.99 |
| 28.11.12 | gross p.a./AER % * Net p.a. % |
1.98/2.00 1.58 |
Solicitors' Online Reserve account (Issue 2) - Annual Income
| Date | Account balance | £1,000 or over |
|---|---|---|
| 22.09.16 | gross p.a./AER % * Net p.a. % |
0.20 0.16 |
| 17.09.15 | gross p.a./AER % * Net p.a. % |
0.50 0.40 |
| 19.02.15 | gross p.a./AER % * Net p.a. % |
0.75 0.60 |
| 14.05.14 | gross p.a./AER % * Net p.a. % |
0.50 0.40 |
| 03.03.14 | gross p.a./AER % * Net p.a. % |
1.00 0.80 |
| 11.09.13 | gross p.a./AER % * Net p.a. % |
1.25 1.00 |
| 15.01.13 | gross p.a./AER % * Net p.a. % |
2.00 1.60 |
| 16.11.12 | gross p.a./AER % * Net p.a. % |
2.30 1.84 |
Solicitors' Online Reserve account (Issue 2) - Monthly Income
| Date | Account balance | £1,000 or over |
|---|---|---|
| 22.09.16 | gross p.a./AER % * Net p.a. % |
0.20/0.20 0.16 |
| 17.09.15 | gross p.a./AER % * Net p.a. % |
0.50/0.50 0.40 |
| 19.02.15 | gross p.a./AER % * Net p.a. % |
0.75/0.75 0.60 |
| 14.05.14 | gross p.a./AER % * Net p.a. % |
0.50/0.50 0.40 |
| 03.03.14 | gross p.a./AER % * Net p.a. % |
1.00/1.00 0.80 |
| 11.09.13 | gross p.a./AER % * Net p.a. % |
1.24/1.25 0.99 |
| 15.01.13 | gross p.a./AER % * Net p.a. % |
1.98/2.00 1.58 |
| 16.11.12 | gross p.a./AER % * Net p.a. % |
2.28/2.30 1.81 |
Solicitors' Online Reserve account (Issue 1)
| Date | Account balance | £1,000 to £49,999 | £50,000 + |
|---|---|---|---|
| 22.09.16 | gross p.a./AER % * Net p.a. % |
0.20 0.16 |
0.20 0.16 |
| 17.09.15 | gross p.a./AER % * Net p.a. % |
0.50 0.40 |
0.50 0.40 |
| 19.02.15 | gross p.a./AER % * Net p.a. % |
0.75 0.60 |
0.75 0.60 |
| 14.05.14 | gross p.a./AER % * Net p.a. % |
0.50 0.40 |
0.50 0.40 |
| 03.03.14 | gross p.a./AER % * Net p.a. % |
1.00 0.80 |
1.00 0.80 |
| 11.09.13 | gross p.a./AER % * Net p.a. % |
1.25 1.00 |
1.25 1.00 |
| 28.06.12 | gross p.a./AER % * Net p.a. % |
2.30 1.84 |
2.30 1.84 |
| 18.10.11 | gross p.a./AER % * Net p.a. % |
1.50 1.20 |
1.75 1.40 |
Company and Club account - Pension funds
| Date | Account balance | £1 or over | £50,000 or over |
|---|---|---|---|
| 17.09.15 | gross p.a./AER % * Net p.a. % |
1.00 - |
1.00 - |
| 01.11.09 | gross p.a./AER % * Net p.a. % |
1.50 - |
1.50 - |
Company and Club account - Charity deposits (Issue 1)
| Date | Account balance | £1 or over | £50,000 to £99,999 | £99,999 to £249,999 | £250,000 + |
|---|---|---|---|---|---|
| 07.07.12 | gross p.a./AER % * Net p.a. % |
0.10 - |
0.10 - |
0.10 - |
0.15 - |
Charity share account (Issue 2)
| Date | Account balance | £1 to £49,999 | £50,000 + |
|---|---|---|---|
| 07.07.12 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
Interest is paid annually on 31 December and credited directly to your account
Charity share account (Issue 1)
| Date | Account balance | £1 to £49,999 | £50,000 + |
|---|---|---|---|
| 01.04.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.10 0.08 |
| 01.03.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.45 0.36 |
| 01.02.09 | gross p.a./AER % * Net p.a. % |
0.10 0.08 |
0.95 0.76 |
| 01.01.09 | gross p.a./AER % * Net p.a. % |
0.45 0.36 |
1.45 1.16 |
| 01.12.08 | gross p.a./AER % * Net p.a. % |
1.45 1.16 |
2.45 1.96 |
| 01.11.08 | gross p.a./AER % * Net p.a. % |
2.95 2.36 |
3.95 3.16 |
| 01.05.08 | gross p.a./AER % * Net p.a. % |
3.45 2.76 |
4.45 3.56 |
| 01.03.08 | gross p.a./AER % * Net p.a. % |
3.70 2.96 |
4.70 3.76 |
Maturity Accounts
One Year Fixed Rate Maturity Cash ISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 15.12.17 | 27.02.18 | £500 | £500,000 | 1.05 |
One Year Fixed Rate Maturity Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 15.12.17 | 07.02.18 | £500 | £500,000 | 1.05 |
One Year Fixed Rate Maturity Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 15.12.17 | 07.02.18 | £500 | £500,000 | 1.05/1.05 |
One Year Fixed Rate Maturity Cash ISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 08.06.16 | 25.08.16 | £500 | £500,000 | 1.15 |
One Year Fixed Rate Maturity Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 08.06.16 | 25.08.16 | £500 | £500,000 | 1.15 |
One Year Fixed Rate Maturity Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 08.06.16 | 25.08.16 | £500 | £500,000 | 1.14/1.15 |
One Year Fixed Rate Maturity Cash ISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 26.04.16 | 07.06.16 | £500 | £500,000 | 1.35 |
One Year Fixed Rate Maturity Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 26.04.16 | 07.06.16 | £500 | £500,000 | 1.40 |
One Year Fixed Rate Maturity Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 26.04.16 | 07.06.16 | £500 | £500,000 | 1.39/1.40 |
One Year Fixed Rate Maturity Cash ISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Tax-free p.a./AER % * |
|---|---|---|---|---|
| 15.10.15 | 25.04.16 | £500 | £500,000 | 1.45 |
One Year Fixed Rate Maturity Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 15.10.15 | 25.04.16 | £500 | £500,000 | 1.45 |
One Year Fixed Rate Maturity Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * |
|---|---|---|---|---|
| 15.10.15 | 25.04.16 | £500 | £500,000 | 1.44/1.45 |
Maturity Easy Access account - Annual Income
[Previously known as Maturity Cashbuild Account]
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 03.03.14 | 08.07.15 | £1 | £1,000,000 | 1.00 | 0.80 |
| 08.07.13 | 02.03.14 | £1 | £1,000,000 | 1.30 | 1.04 |
Maturity Easy Access account - Monthly Income
[Previously known as Maturity Cashbuild Account]
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 03.03.14 | 08.07.15 | £1 | £1,000,000 | 1.00/1.00 | 0.80 |
| 08.07.13 | 02.03.14 | £1 | £1,000,000 | 1.29/1.30 | 1.03 |
One Year Fixed Rate Maturity Bond - Annual Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 24.04.15 | 06.07.15 | £500 | £1,000,000 | 1.50 | 1.20 |
One Year Fixed Rate Maturity Bond - Monthly Income
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 24.04.15 | 06.07.15 | £500 | £1,000,000 | 1.49/1.50 | 1.19 |
One Year Fixed Rate Maturity Cash NISA
| Date opened | Date closed | Minimum deposit | Maximum deposit | Gross p.a./AER % * | Net p.a. % |
|---|---|---|---|---|---|
| 24.04.15 | 06.07.15 | £500 | £1,000,000 | 1.50 | - |
* 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 what the gross interest rate would be if the interest was paid and added to the account annually.