Invest for the future with lump sum investments, to make the most of higher interest rates. Choose from a range of terms and benefit from the higher interest rates that locking away your money or making lump sum investments can bring.

Rates correct as at 6 Mar 2015

In the event that the balance falls below the minimum operating balance as stated within the relevant product details below, the basic investment rate of interest, which is currently 0.05% Gross ‡ p.a./AER † (variable), shall apply.

Fixed Rate Anniversary Account

Interest rate:

1.40 % Gross ‡ p.a./AER † (fixed)

Best for:

Secure fixed rate

• Minimum operating balance: £100
• Maximum balance: £50,000 (£100,000 for joint accounts).
• Operate through branch or post
• Interest paid: on maturity on 29 February 2016.
• Withdrawals: Unlimited withdrawals can be made without notice or loss of interest, subject to the minimum operating balance of £100 being maintained.

The Fixed Rate Anniversary Account is only available to existing members who were members at 31 December 2014 and continue to be a member at the date of account opening.

Please note: This product is a limited issue and investments can be made up to and including 30 April 2015. After this date the account may be closed for further investments at any time and without notice at which point you will not be able to invest further funds.

1 Year Fixed Rate Bond (Issue 181)

Interest rate:

Annual Interest Option

1.30 % Gross ‡ p.a./AER † (fixed)

Monthly Interest Option

1.25 % Gross ‡ p.a.

1.26 % AER † (fixed)

Best for:

Secure fixed rate

• Minimum operating balance: £100
• Maximum balance: £1,000,000 (£2,000,000 for joint accounts)
• Operate through branch or post
• Interest paid: annual interest is paid on maturity (2 May 2016), monthly interest is paid on the last working day of the month.
• Withdrawals: withdraw up to 25% of your capital investment without notice or loss of interest, prior to maturity and subject to the minimum balance of £100 being maintained.

18 Month Fixed Rate Bond (Issue 3)

Interest rate:

1.70 % Gross ‡ p.a.

1.69 % AER † (fixed)

Best for:

Secure fixed rate

• Minimum operating balance: £100
• Maximum balance: £1,000,000 (£2,000,000 for joint accounts)
• Operate through branch or post
• Interest paid: on maturity on 2 Oct 2016.
• Withdrawals: withdraw up to 25% of your capital investment without notice or loss of interest, prior to maturity and subject to the minimum balance of £100 being maintained.