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Closed Savings Account Interest Rates
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Rates effective from 1st April 2009 unless stated otherwise
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Direct Tracker |
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Investment Amount
(Annual Interest) |
Gross p.a.
(%) |
AER
(%) |
Net p.a.
(%) |
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£5,000 plus |
0.25 |
0.25 |
0.20 |
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Branch Premier - Issue 2 |
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Investment Amount |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£100 plus |
0.80 |
0.80 |
0.64 |
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Fixed Rate Bond Issue 74 until 18th January 2011 |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£5,000 |
5.00 |
5.00 |
4.00 |
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Investment Amount
(Monthly Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£5,000 |
4.89 |
5.00 |
3.91 |
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Fixed Rate Bond Issue 76 until 8th February 2011 |
|
Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£1,000 plus |
4.00 |
4.00 |
3.20 |
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Fixed Rate Bond Issue 77 until 8th March 2011 |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£1,000 |
3.25 |
3.25 |
2.60 |
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Investment Amount
(Monthly Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£5,000 |
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Fixed Rate Bond Issue 78 until 8th March 2011 |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£1,000 |
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Investment Amount
(Monthly Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£5,000 |
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1.98 |
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Fixed Rate Bond Issue 79 until 12th April 2011 |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£1,000 |
2.00 |
2.00 |
1.60 |
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Investment Amount
(Monthly Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£5,000 |
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Fixed Rate Bond Issue 80 until 12th May 2011 |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£1,000 plus |
2.25 |
2.25 |
1.80 |
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Investment Amount
(Monthly Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£5,000 |
2.23 |
2.25 |
1.78 |
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Fixed Rate Bond Issue 85 until 16th September 2014 |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£1,000 plus |
4.60 |
4.60 |
3.68 |
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Investment Amount
(Monthly Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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4.51 |
4.60 |
3.61 |
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Fixed Rate Bond Issue 86 until 19th April 2011 |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£1,000 plus |
2.85 |
2.85 |
2.28 |
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Investment Amount
(Monthly Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£1,000 |
2.81 |
2.85 |
2.25 |
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Fixed Rate Bond Issue 87 until 18th October 2011 |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£1,000 plus |
3.15 |
3.15 |
2.52 |
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Investment Amount
(Monthly Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£1,000 |
3.11 |
3.15 |
2.49 |
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Fixed Rate Cash ISA - Issue 1 |
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Investment Amount
(Annual Interest) |
Tax-free p.a. (%) |
AER (%) |
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£3,600 |
2.50 |
2.50 |
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Fixed Rate Cash ISA - Issue 2 |
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Investment Amount
(Annual Interest) |
Tax-free p.a. (%) |
AER (%) |
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£3,600 |
2.50 |
2.50 |
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Fixed Rate Children's Bond until 15th May 2012 - Issue 1 |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£100 plus |
5.25 |
5.25 |
4.20 |
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Fixed Rate Bond until 22nd May 2012 - Ebond (Issue 5) |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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4.05 |
4.05 |
3.24 |
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Fixed Rate Bond until 30th November 2010 - Ebond (Issue 7) |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£2,000 plus |
4.05 |
4.07 |
3.24 |
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Fixed Rate Bond until 15th February 2011 - Ebond (Issue 8) |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£2,000 plus |
4.05 |
4.06 |
3.24 |
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Fixed Rate Bond until 25th October 2011 - Ebond (Issue 9) |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£2,000 plus |
4.00 |
4.00 |
3.20 |
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Fixed Rate Bond until 12th February 2013 - Ebond (Issue 10) |
Investment Amount (Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£2,000 plus |
4.40 |
4.40 |
3.52 |
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Escalator Bond Issue 5 |
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Investment Amount |
Investment date
(Annual Interest) |
Gross p.a. (%) |
AER
(%) |
Net p.a. (%) |
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£2,000 plus |
to 5th July 2009 |
6.50 |
6.50 |
5.20 |
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6th July 2009 to 5th July 2010 |
6.75 |
6.75 |
5.40 |
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6th July 2010 to 5th July 2011 |
7.25 |
7.25 |
5.80 |
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Investment Amount |
Investment date
(Monthly Interest) |
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to 5th July 2009 |
6.31 |
6.50 |
5.05 |
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6th July 2009 to 5th July 2010 |
6.55 |
6.75 |
5.24 |
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6th July 2010 to 5th July 2011 |
7.02 |
7.25 |
5.62 |
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Escalator Bond Issue 6 |
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Investment Amount |
Investment date
(Annual Interest) |
Gross p.a. (%) |
AER
(%) |
Net p.a. (%) |
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£2,000 plus |
to 2nd August 2009 |
6.25 |
6.25 |
5.00 |
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3rd August 2009 to 2nd August 2010 |
6.50 |
6.50 |
5.20 |
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3rd August 2010 to 2nd August 2011 |
6.75 |
6.75 |
5.40 |
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Investment Amount |
Investment date
(Monthly Interest) |
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to 2nd August 2009 |
6.08 |
6.25 |
4.86 |
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3rd August 2009 to 2nd August 2010 |
6.31 |
6.50 |
5.05 |
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3rd August 2010 to 2nd August 2011 |
6.55 |
6.75 |
5.24 |
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Escalator Bond Issue 7 |
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Investment Amount |
Investment date
(Annual Interest) |
Gross p.a. (%) |
AER
(%) |
Net p.a. (%) |
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£2,000 plus |
to 31st July 2010 |
3.00 |
3.00 |
2.40 |
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1st August 2010 to 31st July 2011 |
4.00 |
4.00 |
3.20 |
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1st August 2011 to 31st July 2012 |
5.00 |
5.00 |
4.00 |
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Investment Amount |
Investment date
(Monthly Interest) |
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to 31st July 2010 |
2.96 |
3.00 |
2.37 |
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1st August 2010 to 31st July 2011 |
3.93 |
4.00 |
3.14 |
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1st August 2011 to 31st July 2012 |
4.89 |
5.00 |
3.91 |
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Stroud & Swindon Maturity Bonus Account |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£500 |
2.05 |
2.05 |
1.64 |
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Investment Amount
(Monthly Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£500 |
2.03 |
2.05 |
1.62 |
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Stroud & Swindon 50 Plus Notice Account |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
£1,000
(with bonus* to 31/03/2011) |
3.20 |
3.20 |
2.56 |
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(without bonus) |
2.00 |
2.00 |
1.60 |
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Investment Amount
(Monthly Interest) |
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£1,000
(with bonus* to 31/03/2011) |
3.15 |
3.20 |
2.52 |
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(without bonus) |
1.98 |
2.00 |
1.58 |
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Stroud & Swindon 50 Plus Loyalty Account* |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
£1,000
(with bonus* to 31/03/2011) |
3.25 |
3.25 |
2.60 |
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2.05 |
2.05 |
1.64 |
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Investment Amount
(Monthly Interest) |
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£1,000
(with bonus* to 31/03/2011) |
3.20 |
3.25 |
2.56 |
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(without bonus) |
2.03 |
2.05 |
1.62 |
| *Only available to existing savings customers over 50, investing new funds. |
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Regular Saver Plus Issue 2 Account |
Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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with bonus
(including conditional bonus rate) |
4.50 |
4.50 |
3.60 |
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without bonus
(excluding conditional bonus rate) |
2.00 |
2.00 |
1.60 |
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Bonus Guarantee Account |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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With rate guarantee until 31/03/2011 |
2.00 |
2.00 |
1.60 |
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Standard account rate |
1.00 |
1.00 |
0.80 |
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Investment Amount
(Monthly Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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With rate guarantee until 31/03/2011 |
1.98 |
2.00 |
1.58 |
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Standard account rate |
1.00 |
1.00 |
0.80 |
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Premium Reward - Issue 2 |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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0.75 |
0.75 |
0.60 |
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£25,000 to £49,999 |
0.55 |
0.55 |
0.44 |
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0.40 |
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Stroud & Swindon 50 Plus Saver |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£1,000 to £500,000 |
0.70 |
0.70 |
0.56 |
Stroud & Swindon 50 Plus Loyalty Account |
Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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With Bonus |
3.25 |
3.25 |
2.60 |
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Without Bonus |
2.05 |
2.05 |
1.64 |
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Investment Amount
(Monthly Interest) |
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With Bonus |
3.20 |
3.25 |
2.56 |
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Without Bonus |
2.03 |
2.05 |
1.62 |
Stroud & Swindon 50 Plus Notice Account |
Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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With Bonus |
3.20 |
3.00 |
2.56 |
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Without Bonus |
2.00 |
2.00 |
1.60 |
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Investment Amount
(Monthly Interest) |
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£1,000 plus |
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With Bonus |
3.15 |
3.00 |
2.52 |
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Without Bonus |
1.98 |
2.00 |
1.58 |
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30 Day Notice Saver |
Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£50,000 plus |
2.20 |
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1.76 |
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£25,000 to £49,999 |
2.10 |
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1.68 |
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£10,000 to £24,999 |
2.00 |
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1.60 |
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£5,000 to £9,999 |
0.50 |
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0.40 |
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£250 to £4,999 |
0.25 |
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0.20 |
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Investment Amount
(Monthly Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£50,000 plus |
2.18 |
2.20 |
1.74 |
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£25,000 to £49,999 |
2.08 |
2.10 |
1.66 |
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£10,000 to £24,999 |
1.98 |
2.00 |
1.58 |
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£5,000 to £9,999 |
0.50 |
0.50 |
0.40 |
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£250 to £4,999 |
0.25 |
0.25 |
0.20 |
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Escalator ISA Bond Issue 1 until 5th April 2013 |
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Investment Amount
(Annual Interest) |
Tax-free p.a. (%) |
AER (%) |
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to 5th April 2011 |
3.00 |
3.00 |
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6th April 2011 to 5th April 2012 |
3.50 |
3.50 |
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6th April 2012 to 5th April 2013 |
5.00 |
5.00 |
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Investment Amount
(Monthly Interest) |
Tax-free p.a. (%) |
AER (%) |
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to 5th April 2011 |
2.96 |
3.00 |
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6th April 2011 to 5th April 2012 |
3.45 |
3.50 |
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6th April 2012 to 5th April 2013 |
4.89 |
5.00 |
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30 Day Notice ISA Savings Account |
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Investment Amount
(Annual Interest) |
Tax-free p.a. (%) |
AER (%) |
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£250 |
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With Bonus* |
1.70 |
1.70 |
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Without Bonus
(standard account rate) |
1.00 |
1.00 |
*0.70% bonus paid for the first year of investment
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Stroud & Swindon Regular Saver ISA - Issue 1 |
|
Investment Amount
(Annual Interest) |
Tax-free p.a. (%) |
AER (%) |
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£25 - £425 each month |
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With Conditional Bonus |
3.75 |
3.75 |
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Without Bonus
(standard account rate) |
1.00 |
1.00 |
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Stroud & Swindon Regular Saver Plus Issue 2 Account |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£10 - £250 per month |
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With Bonus (including conditional bonus rate) |
4.50 |
4.50 |
3.60 |
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Without Bonus
(excluding conditional bonus rate) |
2.00 |
2.00 |
1.60 |
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Stroud & Swindon Postal Account |
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Investment Amount
(Annual Interest) |
Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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£1,000 |
2.25 |
2.25 |
1.80 |
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Investment Amount
(Monthly Interest) |
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2.23 |
2.25 |
1.78 |
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7 Day Saver |
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Gross p.a. (%) |
AER (%) |
Net p.a. (%) |
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0.80 |
0.80 |
0.64 |
Interest rates are subject to change from time to time. Changes to our rates are published either in national newspapers or in writing, within 30 days of the effective date.
AER: stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded each year.
GROSS: The gross rate is the contractual rate of interest before the deduction of tax.
NET: Net rates are shown (rounded to two decimal places) for illustrative purposes after deduction of income tax at 20%.
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