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 accounts

e-saver account (Issue 17) - Annual income

Date Account balance Gross p.a. / AER % *
27.02.20 £10+ 1.20

e-saver account (Issue 17) - Monthly income

Date Account balance Gross p.a. / AER % *
27.02.20 £10+ 1.19/1.20

e-saver account (Issue 16) - Annual income

Date Account balance Gross p.a. / AER % *
02.10.19 £10+ 1.30

e-saver account (Issue 16) - Monthly income

Date Account balance Gross p.a. / AER % *
02.10.19 £10+ 1.29/1.30

e-saver account (Issue 11) - Annual income

Date Account balance Gross p.a. / AER % *
17.07.19 £10+ 1.01

e-saver account (Issue 11) - Monthly income

Date Account balance Gross p.a. / AER % *
17.07.19 £10+ 1.01/1.01

e-saver account (Issue 10) - Annual income

Date Account balance Gross p.a. / AER % * Net p.a. %
(after deduction of basic rate tax)
07.01.20 £10+ 0.50 N/A
31.08.18 £10+ 0.75 N/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
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)
07.01.20 £10+ 0.50/0.50 N/A
31.08.18 £10+ 0.75/0.75 N/A
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

Please note: e-saver issues 1 to 9 were moved into issue 10 on 8 August 2019.

e-saver 55-plus accounts

e-saver 55-plus account (Issue 2) - Annual Income

Date Account balance £1,000 +
07.01.20 gross p.a./AER % *
Net p.a. %		 0.50
N/A
31.08.18 gross p.a./AER % *
Net p.a. %		 0.75
N/A
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 +
07.01.20 gross p.a./AER % *
Net p.a. %		 0.50/0.50
N/A
31.08.18 gross p.a./AER % *
Net p.a. %		 0.75/0.75
N/A
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 5)

Date opened Date closed Deposit Gross p.a. / AER % *
06.02.20 18.03.20 £10+ 2.50

12 Month Fixed Rate Regular Saver (Issue 4)

Date opened Date closed Deposit Gross p.a. / AER % *
29.07.19 05.02.20 £10+ 3.00

Branch Saver

Date opened Date closed Deposit Gross p.a. / AER % *
26.11.19 28.01.20 £5000+ 0.70
31.08.18 26.11.19 £5000+ 0.85

170th Birthday Regular Saver

Date opened Date closed Deposit Gross p.a. / AER % *
29.07.19 29.11.19 £100+ 2.50

12 Month Fixed Rate Regular Saver (Issue 3)

Date opened Date closed Deposit Gross p.a. / AER % *
26.05.15 29.07.19 £10+ 3.50

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.

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).

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.

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

One Year Fixed Rate Cash ISA

Date opened Date closed Minimum deposit Maximum deposit Tax-free p.a./AER % *
01.02.19 13.12.19 £500 £500,000 1.20

Easy Access Cash ISA (Issue 2)

Date opened Date closed Deposit Gross p.a. / AER % *
31.08.18 26.11.19 £1+ 0.95

20 Month Fixed Rate Cash ISA

Date opened Date closed Minimum deposit Maximum deposit Tax-free p.a./AER % *
19.02.19 07.08.19 £500 £500,000 1.35

18 Month Fixed Rate Cash ISA

Date opened Date closed Minimum deposit Maximum deposit Tax-free p.a./AER % *
07.11.18 18.02.19 £500 £500,000 1.20

One Year Fixed Rate Cash ISA

Date opened Date closed Minimum deposit Maximum deposit Tax-free p.a./AER % *
08.02.18 16.09.18 £500 £500,000 1.20

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

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

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.

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.

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.

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 -

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%

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

Loyalty Immediate Access Cash ISA

Date Account balance £1
01.12.09 Tax-free p.a./AER % * 2.50

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

Fixed Rate savings accounts & Bonds

One Year Fixed Rate Bond - Annual Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
02.10.19 13.12.19 £500 £500,000 1.30

18 Month Fixed Rate Bond

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
03.05.19 07.08.19 £500 £500,000 1.80

18 Month Fixed Rate Maturity Bond

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
03.05.19 07.08.19 £500 £500,000 1.80

170th Birthday Members Bond

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
29.05.19 15.07.19 £500 £500,000 1.70

Accounts are automatically entered into our 170th Birthday Prize draw – Subject to competition terms and conditions.

One Year Fixed Rate Bond - Annual Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
12.12.18 17.04.19 £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 % *
12.12.18 17.04.19 £500 £500,000 1.35

One Year Fixed Rate Bond - Monthly Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
12.12.18 09.04.19 £500 £500,000 1.34/1.35

One Year Fixed Rate Maturity Bond - Monthly Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
12.12.18 09.04.19 £500 £500,000 1.34/1.35

18 Month Fixed Rate Bond - Annual Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
12.12.18 26.02.19 £500 £500,000 1.60

18 Month Fixed Rate Bond - Monthly Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
12.12.18 26.02.19 £500 £500,000 1.60/1.59

18 Month Fixed Rate Bond - Annual Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
07.11.18 11.12.18 £500 £500,000 1.20

18 Month Fixed Rate Bond - Monthly Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
07.11.18 11.12.18 £500 £500,000 1.20/1.19

18 Month Fixed Rate Maturity Bond - Annual Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
07.11.18 11.12.18 £500 £500,000 1.30/1.29

18 Month Fixed Rate Maturity Bond - Monthly Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
07.11.18 11.12.18 £500 £500,000 1.30/1.29

One Year Fixed Rate Bond - Annual Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
08.02.18 16.09.18 £500 £500,000 1.20

One Year Fixed Rate Bond - Monthly Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
08.02.18 16.09.18 £500 £500,000 1.20/1.20

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

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

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 issues 1 to 7 were moved into issue 8 on 8 August 2019.

Goal Saver account (Issue 8)

Date Account balance Gross p.a./AER % * Net p.a. %
07.01.20 £10+ 0.50 N/A
31.08.18 £10+ 0.75 N/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 accounts

Wedding Saver issues 1 to 5 were moved into issue 8 on 4th July 2019.

Wedding Saver account (Issue 6)

Date Account balance Gross p.a./AER % * Net p.a. %
07.01.20 £10+ 0.50 N/A
31.08.18 £10+ 0.75 N/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 accounts

Car Saver account (Issue 6)

Date Account balance Gross p.a./AER % * Net p.a. %
07.01.20 £10+ 0.50 N/A
31.08.18 £10+ 0.75 N/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. %
07.01.20 £10+ 0.50 N/A
31.08.18 £10+ 0.75 N/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. %
07.01.20 £10+ 0.50 N/A
31.08.18 £10+ 0.75 N/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

Children's Regular Saver

Date opened Date closed Deposit Gross p.a./AER % *
01.12.15 01.04.20 £5+ 4.00

One Year Fixed Rate Children's Bond

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
09.05.18 17.07.19 £500 £20,000 1.50

Ladybird (Issue 6)

Date Account balance £1 to £9,999 £10,000 to £24,999 £25,000 +
31.08.18 gross p.a./AER % 1.05 1.05 1.05
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 2)

Date Account balance £1 to £9,999 £10,000 to £24,999 £25,000 +
31.08.18 gross p.a./AER % 1.05 1.05 1.05
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

Limited Access savings accounts

30 Day Notice Saver (Issue 1)

Date Account balance £5,000 +
26.11.19 gross p.a./AER % * 1.10
29.05.19 gross p.a./AER % * 1.30

30 days’ notice is required for withdrawals. If no notice is given you can access your funds immediately but there will be a 30 day interest penalty to be deducted from the capital sum if necessary.

The minimum amount to open the account is £5,000 and this minimum must be maintained at all times to keep the account open.

90 Day Notice Saver (Issue 1)

Date Account balance £1,000+ £10,000+ £25,000+ £50,000+
27.11.19 Gross p.a./AER%* 0.80 0.85 0.90 1.00
17.07.19 Gross p.a./AER%* 0.90 0.95 1.00 1.10

Members' 120 Day Notice Account (Issue 2)

Date Account balance £500 +
27.11.19 gross p.a./AER % * 1.00
31.08.18 gross p.a./AER % * 1.20
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

Business e-saver (Issue 6)

Date Deposit Interest Gross p.a./AER % *
21.03.19 £10,000+ Annually 1.02

One Year Fixed Rate Corporate Bond

Date opened Date closed Deposit amount Gross p.a./AER % *
12.12.18 28.01.20 £5,000+ 1.55

Business e-saver (Issue 5)

Date Deposit Interest Gross p.a./AER % *
27.11.19 £1,000+ Annually 0.50
21.03.19 £1,000+ Annually 0.75

One Year Fixed Rate Corporate Bond

Date opened Date closed Deposit amount Gross p.a./AER % *
11.09.18 11.12.18 £5,000+ 1.10

Charity Tracker

Date Account balance Gross p.a. / AER % *
02.04.20 £500+ 1.10
30.08.18 £500+ 1.75
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 % *
30.08.18 £5,000+ 1.25
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 % *
30.08.18 £5,000+ 1.25/1.25
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 4)

Date Account balance £1,000 to £99,999 £100,000 +
31.08.18 gross p.a./AER % 0.45 0.45

Business e-saver (Issue 3)

Date Account balance £1,000 to £99,999 £100,000 +
31.08.18 gross p.a./AER % *
Net p.a. %		 0.45
N/A		 0.45
N/A
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 +
31.08.18 gross p.a./AER % *
Net p.a. %		 0.45
N/A		 0.45
N/A
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
31.08.18 gross p.a./AER % *
Net p.a. %		 0.45
N/A
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
31.08.18 gross p.a./AER % *
Net p.a. %		 0.45/0.45
N/A
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
31.08.18 gross p.a./AER % *
Net p.a. %		 0.45
N/A
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
31.08.18 gross p.a./AER % *
Net p.a. %		 0.45/0.45
N/A
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
31.08.18 gross p.a./AER % *
Net p.a. %		 0.45
N/A
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
31.08.18 gross p.a./AER % *
Net p.a. %		 0.45/0.45
N/A
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

Corporate deposit

Date Deposit amount Gross p.a./AER % *
31.08.18 £10,000+ 0.35
17.09.15 £10,000+ 0.10

Interest is paid annually on 31 December and credited directly to your account

Maturity Accounts

One Year Fixed Rate Maturity Bond

Date opened Date closed Deposit amount Gross p.a./AER % *
29.10.19 28.01.20 £500+ 1.30

18 Month Fixed Rate Maturity Bond - Annual Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
12.12.18 26.02.19 £500 £500,000 1.60

18 Month Fixed Rate Maturity Bond - Monthly Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
12.12.18 26.02.19 £500 £500,000 1.60/1.59

18 Month Fixed Rate Maturity Cash ISA

Date opened Date closed Minimum deposit Maximum deposit Tax-free p.a./AER % *
07.11.18 18.02.19 £500 £500,000 1.25

One Year Fixed Rate Maturity Cash ISA

Date opened Date closed Minimum deposit Maximum deposit Tax-free p.a./AER % *
08.02.18 16.09.18 £500 £500,000 1.25

One Year Fixed Rate Maturity Bond - Annual Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
08.02.18 16.09.18 £500 £500,000 1.25

One Year Fixed Rate Maturity Bond - Monthly Income

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
08.02.18 16.09.18 £500 £500,000 1.25/1.25

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

18 Month Fixed Rate Maturity Bond

Date opened Date closed Minimum deposit Maximum deposit Gross p.a./AER % *
01.03.17 20.04.17 £500 £500,000 1.00

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. %
09.07.15 03.10.16 £1 £1,000,000 0.50 0.40
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. %
09.07.15 03.10.16 £1 £1,000,000 0.50/0.50 0.40
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.