We have two competitive Fixed Access options for you to choose from, so whether you’re looking for something long term or a shorter fix, then this could be for you!
|Term||Gross Rate||Gross Return||AER|
|Fixed Access (16 months)||0.67%||0.67%||0.50%|
|Fixed Access (5 years)||3.55%||3.55%||0.70%|
Annual Equivalent Rate (AER) illustrates what the interest would be if interest was paid and compounded each year. Our AER calculation assumes that the account is held for a year and that the interest rate remains constant.
As well as a competitive rate you can access up to 25% of your money with the Fixed Access Deposit account.
That’s one withdrawal per term. After your term is over you can get your savings and interest, minus DIRT (Deposit Interest Retention Tax), but if additional withdrawals are made before your term finishes, early withdrawal charges will apply
Please note: The Fixed Access Deposit Account allows one withdrawal of up to 25% of the account balance without charge after the 14th day following account investment date. All other withdrawals (including withdrawals of more than 25% and subsequent withdrawals) and account closure will incur a charge on the full withdrawal amount – no charge reduction will apply for the portion of these withdrawals that may be 25% of the account balance.
If we don’t hear from you before your fixed term account matures it automatically converts to the Instant Access account for matured fixed term deposits until instructions are received from you. This will be at a variable interest rate which is currently 0.05% Gross/AER, You can find out more about our interest rates in any of our branches or online.
Not sure which account is right for you? Let us help you with that.
What would you like to do with your account? What would you like to do with your account? Do you have a lump sum or would you like to save towards one? Close
How much will you place on deposit? How much will you place on deposit? What lump sum would you like to invest Close
How much will you save each month? How much will you save each month? How much would you like to save monthly Close
How would you like to draw down your money? How would you like to draw down your money? This affects when you will have access to your funds Close
How would you like to open your account? How would you like to open your account? You can open your account online or in your local branch Close
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The above calculation is based on a set of assumptions (see below) and is intended to provide you with a guide as to the potential gross interest return that may be applicable. The actual return that you receive may vary from this calculation where your account does not operate as per these assumptions.
* Annual Equivalent Rate (AER) illustrates what the interest would be if interest was paid and compounded each year. Our AER calculation assumes that the account is held for a year and that the interest rate remains constant.
** Gross Return Interest is calculated daily and payable at the end of the term for a fixed term deposit account or annually at the relevant interest payment date for a demand/ notice variable rate account. The interest payable assumes that the lump sum is invested for the full fixed term period or a full year (365 days), as appropriate to the account type.
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