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ISAs

With a Cash Individual Savings Account (ISA), interest on your savings is paid Tax-free with a maximum investment of £5,640 per tax year. (£3,600 for Junior ISAs.)

Even if you have an ISA at another bank or building society, you can 'transfer in' to our ISA with minimum hassle - we'll sort the paperwork quickly.

Rates correct as at 14 May 2012

For previous rates please click 'View previous rates' located in 'Rates' section of product tables below
(Find Useful Downloads at the bottom of this page)

 

• Fixed tiered rates until 30 June 2013
• Additional investments allowed up to the maximum annual subscription limit up to 5 April 2013
• Transfers-in allowed for a limited time
• No withdrawals allowed
• Early closure subject to 120 days' notice or 120 days' interest penalty
• Annual interest added to ISA on 5 April and maturity 30 June 2013

BalanceFixed Interest Current Rate
£100 - £9,999  2.90% TAX FREE 
£10,000 and above
ISA annual subscription limits apply 
3.00% TAX FREE 
View previous rates

Key product information for our Savings Account

Account NameFixed Rate ISA 19
Interest Rates (AER)
  • Fixed tiered rates until 30 June 2013
  • Interest calculated on a daily basis
  • Annual interest on 5 April and maturity 30 June 2013
Tax Status Tax Free
Conditions for Bonus Payments Not applicable
Withdrawal Arrangements No withdrawals. Early closure subject to 120 days' notice or 120 days' interest penalty
Access Post or branch
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Useful DownloadsDownload

ISA Application Form

Download the investment application form
 
• Fixed tiered rates until 30 June 2014
• Additional investments allowed up to the maximum annual subscription limit up to 5 April 2013
• Transfers-in allowed for a limited time
• No withdrawals allowed
• Early closure subject to 120 days' notice or 120 days' interest penalty
• Annual interest added to ISA on 5 April and maturity 30 June 2014
BalanceFixed Interest Current Rate
£100 - £9,999  3.10% TAX FREE 
£10,000 and above
ISA annual subscription limits apply 
3.20% TAX FREE 
View previous rates

Key product information for our Savings Account 

Account NameFixed Rate ISA 20
Interest Rates (AER)
  • Fixed tiered rates until 30 June 2014
  • Interest calculated on a daily basis
  • Annual interest on 5 April and maturity 30 June 2014
Tax Status Tax Free
Conditions for Bonus Payments Not applicable
Withdrawal Arrangements No withdrawals. Early closure subject to 120 days' notice or 120 days' interest penalty
Access Post or branch
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Useful DownloadsDownload

ISA Application Form

Download the investment application form
 

• Withdrawals subject to 90 days' notice or 90 days' interest penalty
• Annual interest added to ISA on 5 April
• Transfers-in allowed

BalanceVariable Interest Current Rate
£100 - £19,999  2.05% TAX FREE  
£20,000 - £34,999  2.30% TAX FREE  
£35,000 and above
ISA annual subscription limits apply 
2.55% TAX FREE  
View previous rates

Key product information for our Savings Account

Account Name90 Day ISA
Interest Rates (AER)
  • Variable tiered rates
  • Refer to 'Savings Interest Rates' leaflet, branches or www.ibs.co.uk
  • Interest calculated on a daily basis
  • Annual interest on 5 April
Tax Status Tax Free
Conditions for Bonus Payments Not applicable
Withdrawal Arrangements 90 days' notice or 90 days' interest penalty
Access Post or branch
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Useful DownloadsDownload
ISA Application form
Download the investment application form
 

• Instant access
• Annual interest added to ISA on 5 April
• Transfers-in allowed

BalanceVariable Interest Current Rate
£10 and above
ISA annual subscription limits apply 
1.40% TAX FREE 
View previous rates

Key product information for our Savings Account

Account NamePremier ISA
Interest Rates (AER)
  • Variable rates
  • Refer to 'Savings Interest Rates' leaflet, branches or www.ibs.co.uk
  • Interest calculated on a daily basis
  • Annual interest on 5 April
Tax Status Tax Free
Conditions for Bonus Payments Not applicable
Withdrawal Arrangements Instant access
Access Post or branch
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Useful DownloadsDownload
ISA Application form
Download the investment application form
 

• Cash option - this is a Cash Junior ISA. It is not a stocks and shares Junior ISA
• Available to children under the age of 18 who do not hold a Child Trust Fund. The Society only currently opens Junior ISA accounts for children 16 and under who are resident in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire only
• All subscriptions to the Junior ISA are treated as a gift to the child and cannot be repaid to the subscriber at a later date
• No withdrawals allowed until child reaches 18 years of age
• Transfers allowed
• Annual interest on 5 April

BalanceVariable Interest Current AERVariable Interest Current GrossVariable Interest Current Net
£10+
Junior ISA subscription limits apply 
2.40%  2.40%  TAX FREE 
View previous rates

 

Key product information for our Savings Account

 

Account NameJunior ISA (Cash)
Interest Rates (AER)
  • Variable rate
  • Refer to 'Savings Interest Rates' leaflet, branches or www.ibs.co.uk
  • Interest calculated on a daily basis
  • Annual interest on 5 April
Tax Status Tax free
Conditions for Bonus Payments Not applicable
Withdrawal Arrangements

No withdrawals allowed until child reaches 18 years of age

Access Post or branch

Available to children under the age of 18 who do not hold a Child Trust Fund. The Society only currently opens Junior ISA accounts for children 16 and under who are resident in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire only.

Useful DownloadsDownload
Terms and conditions
Download the investment application form

Useful DownloadsDownload

Investment Application Form (Junior ISA (Cash))

Download the investment application form

 

Find out more
If you would like to open an ISA with us, the ISA application form below can be downloaded, printed and posted to us along with your relevant identification. Alternatively, please call into any of our branches or contact us and our staff will be pleased to help you. Please refer to our Customer Information document for other useful and important information.

If you wish to transfer your ISA savings from another provider to us, please call into any of our branches or contact us and our staff will be pleased to help you.

Useful DownloadsDownload

ISA Transfer In Forms - to transfer ISA funds from a different provider.
(please ensure you complete both forms in this document)

Download standing order form

Individual Savings Accounts and Building Societies Association leaflet - you can view this leaflet using the icon on the right. The Building Societies Association leaflet explains the main features of individual savings accounts, focusing on those features most relevant to savings in building societies

Download standing order form

Standing Order Form - to make regular payments from your bank to your Society account, please print this form, fill in the details and post it to your bank. If you are not using this form, our bank details are:
Account number: 00004000 Sort Code: 23-44-48 Roll No/Ref No: IMPORTANT - please quote your 9 digit Society account number
Download standing order form
Identification details - documents required when opening an account Download details of identification required
Customer Information - outlines procedures for opening and using our savings accounts Download the Customer Information document
General Investment Terms & Conditions - applies to all savings accounts with the Society Download the Investment Terms and Conditions