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Discontinued & Closed Issue Accounts

These savings products are now closed issues and are no longer available to open as a new account.

However, for existing account holders, these products continue to operate in accordance with the original terms and conditions.
Please note that the table below shows the interest rates paid on accounts that are no longer available. However these accounts continue to operate in accordance with the original terms and conditions.

If you are looking for information on withdrawals or making additional investments into your account, please click on the Terms & Conditions tab.

All rates are variable unless otherwise statedFSCS

For a quick page-to-view comparison of all our current personal savings products and interest rates please click here.

For previous rates please click 'View previous rates' located under the current rate table.

* Rate excluding conditional bonus
† Rate including conditional bonus

Discontinued products

5 Year Fixed Rate SIPP Bond (Fixed until 30/09/16)

About
Rates
Terms & Conditions

• Fixed rate until 30 September 2016
• No initial or annual administration charges
• No withdrawals allowed until 30 September 2013, thereafter 180 day interest penalty applies
• No additional investments allowed
• Interest payable annually on 30 September or for monthly interest option, on first day of each month

Balance Fixed Current AER Fixed Current Gross
£25,000 - £200,000
Annual Interest 4.15% 4.15%
Monthly Interest 4.05% 4.05%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates

 

Useful DownloadsDownload
Terms and conditions
Download the investment application form

30 Day ISA

About
Rates
Terms & Conditions
• This product is only available to existing members or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
• Withdrawals subject to 30 days' notice or 30 days' interest penalty
• No transfers-in allowed
• Annual interest added to ISA on 5 April
Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£100+ ISA annual subscription limits apply 0.75% TAX FREE 0.75% TAX FREE
View previous rates
Balance Variable Previous AER Variable Previous Gross
£100+ ISA annual subscription limits apply 1.00% TAX FREE 1.00% TAX FREE
Useful DownloadsDownload
Terms and conditions
Download the investment application form

90 Day ISA

About
Rates
Terms & Conditions
• Withdrawals subject to 90 days' notice or 90 days' interest penalty
• Annual interest added to ISA on 5 April
• Transfers-in allowed
Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£100 - £19,999 0.85% TAX FREE 0.85% TAX FREE
£20,000 - £34,999 1.00% TAX FREE 1.00% TAX FREE
£35,000 and above ISA annual subscription limits apply 1.15% TAX FREE 1.15% TAX FREE
View previous rates
Balance Variable Previous AER Variable Previous Gross
£100 - £19,999 1.10% TAX FREE 1.10% TAX FREE
£20,000 - £34,999 1.25% TAX FREE 1.25% TAX FREE
£35,000 and above ISA annual subscription limits apply 1.40% TAX FREE 1.40% TAX FREE
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Bonus Account Monthly

About
Rates
Terms & Conditions

• Instant access if balance remains over £5,000
• 56 Days' notice or 56 days' loss of interest on the amount withdrawn
• Monthly interest

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£2,500 - £9,999 0.10% 0.10%
£10,000 - £24,999 0.10% 0.10%
£25,000 - £49,999 0.10% 0.10%
£50,000 - £99,999 0.15% 0.15%
£100,000 and above 0.50% 0.50%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£2,500 - £9,999 0.18% 0.18%
£10,000 - £24,999 0.23% 0.23%
£25,000 - £49,999 0.30% 0.30%
£50,000 - £99,999 0.40% 0.40%
£100,000 and above 0.75% 0.75%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Business Deposit

About
Rates
Terms & Conditions

• Additional payments allowed
• Immediate withdrawals by CHAPS
• Interest paid annually on 1 December - added to the account or paid away to a nominated bank account

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£25,000 - £149,000 0.55% 0.55%
£150,000 - £1,000,000 0.75% 0.75%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£25,000 - £149,000 0.80% 0.80%
£150,000 - £1,000,000 1.00% 1.00%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Cash ISA (formerly TOISA)

About
Rates
Terms & Conditions

• 7 Days' notice or 7 days' loss of interest on the amount withdrawn

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£500 - £9,000 capital balance from maturity 0.75% TAX FREE 0.75% TAX FREE
View previous rates
Balance Variable Previous AER Variable Previous Gross
£500 - £9,000 capital balance from maturity 1.00% TAX FREE 1.00% TAX FREE
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Child Trust Fund 1

About
Rates
Terms & Conditions

• No withdrawals allowed until child reaches 18 years old
• Transfers allowed
• This is a Cash Child Trust Fund. It is not a stakeholder Child Trust Fund
• Annual interest on birthday of child

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£250 Inland Revenue voucher plus up to £3,720 each year until child reaches 18 year 1.90% TAX FREE 1.90% TAX FREE
View previous rates
Balance Variable Previous AER Variable Previous Gross
£250 Inland Revenue voucher plus up to £3,720 each year until child reaches 18 year 2.15% TAX FREE 2.15% TAX FREE
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Children's Bond

About
Rates
Terms & Conditions

• No withdrawals allowed until child reaches 18 years of age
• Closure after the child reaches 7 years subject to 180 days' notice
• Interest paid annually on birthday of child

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£250 opening balance then maximum £4,080 each year until child reaches 18 years of age 1.90% 1.90%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£250 opening balance then maximum £3,720 each year until child reaches 18 years of age 2.15% 2.15%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Christmas Club Accounts

About
Rates

• Half yearly interest
• Instant access

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£10 and above 0.10% 0.10%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£10 and above 0.10% 0.10%

Christmas Saver

About
Rates
Summary Box
Terms & Conditions
Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£10 - £2,000 0.50% 0.50%
View previous rates
Balance Variable Previous AER Variable Previous Gross
No Previous Rates
Account NameChristmas Saver
What is the interest rate?

0.50% Gross* / AER**

Interest is added to the account annually on 30 September.

Can the Society change the interest rate?

The interest rate is variable, which means we reserve the right to change them to reflect market conditions, to comply with legal or regulatory guidelines and to protect the long-term future of the Society.

We will give you 14 days’ notice before any change that would disadvantage you, provided you had a balance of £100 at the time of writing. For full details please read our General Investment Terms and Conditions.

What would the estimated balance be after 12 months based on a £1,000 deposit?

Based on the current rate of interest, if you deposited £1000 into this account, after 12 months you would have £1005.00.

(This figure is only an estimate, based on there being no additional deposits or withdrawals in that time with all interest being added to your account. This figure is for illustrative purposes only, and does not take into account your individual circumstances).

How do I open and manage my account?

This account is only for UK resident individuals aged 7 or over and available to all members or for new members, resident in postcode areas IP, NR, CO, CM, CB and PE only. An individual is only allowed to be the sole or first named account holder on one Christmas Saver. However, you can also be the second named account holder on one joint account.

The minimum amount to open an account is £10. The overall maximum is £2,000. Additional investments can be made up to the maximum balance.

Can I withdraw money?

You can make full or partial withdrawals without notice or interest penalty between 1 October and 31 December each year. Outside of this period full or partial withdrawals are subject to 30 days' interest penalty on the amount withdrawn.

After a partial withdrawal, if the balance falls below £10 the account may be closed without notice or penalty and transferred to another account in our current range.

Additional Information

This is a summary of the key features of this account. You will still need to read the savings Terms and Conditions.

How does the Christmas Saver support charity?
As at 1 October each year we will calculate 0.10% of average account balances held during the year 1 October to 30 September. We will then contribute this amount to donate Christmas presents or Christmas food items to a Suffolk charity. Details of donations made will be included in our "Freehold Post" email newsletters and on our website.

Please note that this is a donation made by Ipswich Building Society and not from any member funds deposited with us.

*Gross - The rate paid without interest deducted. For more information on your Personal Savings Allowance, please refer to www.gov.uk.

**AER (Annual Equivalent Rate) - A notional rate which illustrates what the gross rate would be if the interest was paid and compounded once per year.

Useful DownloadsDownload
Terms and conditions
Download the investment application form

Community Project Account

About
Rates
Summary Box
Terms & Conditions

• This product is only available to selected organisations based in our local postcode areas IP, NR, CO, CM, CB and PE
• Withdrawals subject to 7 days' notice or 7 days' interest penalty
• Interest paid annually on 1 December - added to the account or paid away to a nominated bank account

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£100 - £250,000 0.75% 0.75%
View previous rates
Balance Variable Previous AER Variable Previous Gross
No Previous Rates

Key product information for our Savings Account

Account NameCommunity Project Account
Interest Rates (AER)
  • Variable interest rate tracks at 0.5% above Bank of England Base Rate
  • Annual interest on 1 December
  • Interest calculated on a daily basis
Tax Status Interest paid net of basic rate tax, depending on organisation status
Conditions for Bonus Payments Not applicable
Withdrawal Arrangements 7 days' notice or 7 days' interest penalty
Access Post or branch
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Corporate/Client Deposit account

About
Rates

• Variable interest tracks at 0.25% above 3 month LIBOR• Interest rate is reset each quarter on 1 December, 1 March, 1 June and 1 September• Unlimited withdrawals by CHAPS (£25 fee if less than £100,000 withdrawn)• Interest paid annually on 1 December - option to add to account or pay to a nominated bank account

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£25,000 - £1,000,000 0.75% 0.75%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£25,000 - £1,000,000 1.05% 1.05%

Corporate Gold Reserve

About
Rates
Terms & Conditions
  • Variable interest paid annually on 1 December
  • Withdrawals subject to 60 days' notice or interest penalty
  • Additional investments allowed
Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£25,000 - £1,000,000 0.75% 0.75%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£25,000 - £1,000,000 1.00% 1.00%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

County 10

About
Rates
Terms & Conditions

• 90 days' notice or interest penalty on amount withdrawn
• Additional investments allowed
• Interest paid annually on 1 December or for balances over £25,000, monthly interest option

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1,000 - £24,999 0.95% 0.95%
£25,000 - £74,999 1.15% 1.15%
£75,000 - £99,999 1.35% 1.35%
£100,000 - and above 1.35% 1.35%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1,000 - £24,999 1.20% 1.20%
£25,000 - £74,999 1.40% 1.40%
£75,000 - £99,999 1.60% 1.60%
£100,000 - and above 1.60% 1.60%
Useful DownloadsDownload
Terms and conditions
Download Terms and conditions

County 11

About
Rates
Terms & Conditions
• 90 days' notice or interest penalty on amount withdrawn
• Additional investments allowed
• Interest paid annually on 1 December or for balances over £25,000, monthly interest option
Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1,000 - £24,999 0.95% 0.95%
£25,000 - £74,999 1.15% 1.15%
£75,000 - £99,999 1.35% 1.35%
£100,000 and above 1.35% 1.35%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1,000 - £24,999 1.20% 1.20%
£25,000 - £74,999 1.40% 1.40%
£75,000 - £99,999 1.60% 1.60%
£100,000 and above 1.60% 1.60%
Useful DownloadsDownload
Terms and conditions
Download Terms and conditions

County 12

About
Rates
Terms & Conditions
• This product is only available to existing members or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
• 90 days' notice or interest penalty on amount withdrawn
• Additional investments allowed
• Interest paid annually on 1 December or for balances over £25,000, monthly interest option
Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1,000 - £24,999 0.95% 0.95%
£25,000 - £74,999 1.15% 1.15%
£75,000 and above 1.35% 1.35%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1,000 - £24,999 1.20% 1.20%
£25,000 - £74,999 1.40% 1.40%
£75,000 and above 1.60% 1.60%
Useful DownloadsDownload
Terms and conditions
Download Terms and conditions

County 13

About
Rates
Terms & Conditions
• This product is only available to existing members or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
• 90 days' notice or interest penalty on amount withdrawn
• Additional investments allowed
• Interest paid annually on 1 December or for balances over £25,000, monthly interest option
Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1,000 - £24,999 0.95% 0.95%
£25,000 - £74,999 1.15% 1.15%
£75,000 and above 1.35% 1.35%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1,000 - £24,999 1.20% 1.20%
£25,000 - £74,999 1.40% 1.40%
£75,000 and above 1.60% 1.60%
Useful DownloadsDownload
Terms and conditions
Download Terms and conditions

County 14

About
Rates
Terms & Conditions

• 90 days' notice or interest penalty on amount withdrawn

• Additional investments allowed

• Interest paid annually on 1 December or for balances over £25,000, monthly interest option

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1,000 - £24,999 0.75% 0.75%
£25,000 - £74,999 0.90% 0.90%
£75,000 and above 1.05% 1.05%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1,000 - £24,999 1.00% 1.00%
£25,000 - £74,999 1.15% 1.15%
£75,000 and above 1.30% 1.30%
Useful DownloadsDownload
Terms and conditions
Download Terms and conditions

Diamond Plus

About
Rates
Terms & Conditions
• Exclusive account for investors aged over 60 years
• 60 days' notice or interest penalty on amount withdrawn
• Interest paid annually on 1 December or for balances over £25,000, monthly interest option
Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1,000 - £100,000 0.95% 0.95%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1,000 - £100,000 1.20% 1.20%
Useful DownloadsDownload
Terms and conditions
Download the Terms and conditions

Fixed Rate ISA 42

About
Rates
Terms & Conditions
• This product is only available to existing member or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
• Fixed rate until 30 November 2016
• Additional investments allowed up to the maximum annual subscription limit up to 5 April 2015
• No transfers-in
• No withdrawals allowed
• Early closure subject to 120 days' notice or 120 days' interest penalty
• Annual interest added to NISA on 5 April and maturity 30 November 2016
Balance Fixed Current AER Fixed Current Gross
£100+ NISA annual subscription limits apply 1.50% TAX FREE 1.50% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Fixed Rate ISA 44

About
Rates
Terms & Conditions
• This product is only available to existing member or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
• Fixed rate until 28 February 2017
• Additional investments allowed up to the maximum annual subscription limit up to 5 April 2015
• No transfers-in
• No withdrawals allowed
• Early closure subject to 120 days' notice or 120 days' interest penalty
• Annual interest added to NISA on 5 April and maturity 28 February 2017
Balance Fixed Current AER Fixed Current Gross
£100+ NISA annual subscription limits apply 1.50% TAX FREE 1.50% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Fixed Rate ISA (Issue 46)

About
Rates
Terms & Conditions
• This product is only available to existing member or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
• Fixed rate until 31 May 2017
• Additional investments allowed up to the maximum annual subscription limit up to 5 April 2016
• No transfers-in
• No withdrawals allowed
• Early closure subject to 120 days' notice or 120 days' interest penalty
• Annual interest added to NISA on 5 April and maturity 31 May 2017
Balance Fixed Current AER Fixed Current Gross
£100 and above NISA subscription limits apply 1.20% TAX FREE 1.20% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Fixed Rate ISA (Issue 47)

About
Rates
Terms & Conditions
  • This product is only available to existing member or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
  • Fixed rate until 31 August 2016
  • Additional investments allowed up to the maximum annual subscription limit up to 5 April 2016
  • No transfers-in
  • No withdrawals allowed
  • Early closure subject to 120 days' notice or 120 days' interest penalty
  • Annual interest added to NISA on 5 April and maturity 31 August 2016
Balance Fixed Current AER Fixed Current Gross
£100 and above NISA subscription limits apply 1.00% TAX FREE 1.00% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Fixed Rate ISA (Issue 48)

About
Rates
Terms & Conditions
• This product is only available to existing member or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
• Fixed rate until 31 August 2017
• Additional investments allowed up to the maximum annual subscription limit up to 5 April 2016
• No transfers-in
• No withdrawals allowed
• Early closure subject to 120 days' notice or 120 days' interest penalty
• Annual interest added to NISA on 5 April and maturity 31 August 2017
Balance Fixed Current AER Fixed Current Gross
£100 and above NISA subscription limits apply 1.20% TAX FREE 1.20% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Fixed Rate ISA (Issue 49)

About
Rates
Terms & Conditions
  • This product is only available to existing member or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
  • Fixed rate until 30 November 2016
  • Additional investments allowed up to the maximum annual subscription limit up to 5 April 2016
  • No transfers-in
  • No withdrawals allowed
  • Early closure subject to 120 days' notice or 120 days' interest penalty
  • Annual interest added to NISA on 5 April and maturity 30 November 2016
Balance Fixed Current AER Fixed Current Gross
£100 and above NISA subscription limits apply 1.00% TAX FREE 1.00% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Fixed Rate ISA (Issue 50)

About
Rates
Terms & Conditions
  • This product is only available to existing member or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
  • Fixed rate until 30 November 2017
  • Additional investments allowed up to the maximum annual subscription limit up to 5 April 2016
  • No transfers-in
  • No withdrawals allowed
  • Early closure subject to 120 days' notice or 120 days' interest penalty
  • Annual interest added to NISA on 5 April and maturity 30 November 2017
Balance Fixed Current AER Fixed Current Gross
£100 and above NISA subscription limits apply 1.20% TAX FREE 1.20% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

 

Fixed Rate ISA (Issue 51)

About
Rates
Terms & Conditions
  • Fixed rate until 28 February 2017
  • Additional investments allowed up to the maximum annual subscription limit up to 5 April 2016
  • No transfers-in
  • No withdrawals allowed
  • Early closure subject to 120 days' notice or 120 days' interest penalty
  • Annual interest added to NISA on 5 April and maturity 28 February 2017
Balance Fixed Current AER Fixed Current Gross
£100 and above NISA subscription limits apply 1.00% TAX FREE 1.00% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Fixed Rate ISA (Issue 52)

About
Rates
Terms & Conditions
  • Fixed rate until 28 February 2018
  • Additional investments allowed up to the maximum annual subscription limit up to 5 April 2016
  • No transfers-in
  • No withdrawals allowed
  • Early closure subject to 120 days' notice or 120 days' interest penalty
  • Annual interest added to NISA on 5 April and maturity 28 February 2018
Balance Fixed Current AER Fixed Current Gross
£100 and above NISA subscription limits apply 1.20% TAX FREE 1.20% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Fixed Rate ISA (Issue 53)

About
Rates
Terms & Conditions
  • Fixed rate until 30 June 2017
  • Additional investments allowed up to the maximum annual subscription limit up to 5 April 2017
  • No transfers-in
  • No withdrawals allowed
  • Early closure subject to 120 days' notice or 120 days' interest penalty
  • Annual interest added to NISA on 5 April and maturity 30 June 2017
Balance Fixed Current AER Fixed Current Gross
£100 and above NISA subscription limits apply 1.00% TAX FREE 1.00% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Fixed Rate ISA (Issue 54)

About
Rates
Terms & Conditions
  • Fixed rate until 30 June 2018
  • Additional investments allowed up to the maximum annual subscription limit up to 5 April 2017
  • No transfers-in
  • No withdrawals allowed
  • Early closure subject to 120 days' notice or 120 days' interest penalty
  • Annual interest added to NISA on 5 April and maturity 30 June 2018
Balance Fixed Current AER Fixed Current Gross
£100 and above NISA subscription limits apply 1.20% TAX FREE 1.20% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates

Heritage Bond 65

About
Rates
Terms & Conditions
• This product is only available to existing members or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
• Fixed rate until 30 November 2016
• No additional investments
• No withdrawals allowed
• Early closure subject to 120 days' interest penalty
• Annual interest on 30 November or monthly interest option for balances over £25,000
Balance Fixed Current AER Fixed Current Gross
£1,000 - £100,000 1.50% 1.50%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Bond 67

About
Rates
Terms & Conditions
• This product is only available to existing members or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
• Fixed rate until 28 February 2017
• No additional investments
• No withdrawals allowed
• Early closure subject to 120 days' interest penalty
• Annual interest on 28 February (29 February 2016 - leap year) or monthly interest option for balances over £25,000
Balance Fixed Current AER Fixed Current Gross
£1,000 - £100,000 1.50% 1.50%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Bond (Issue 69)

About
Rates
Terms & Conditions
• This product is only available to existing members or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
• Fixed rate until 31 May 2017
• No additional investments
• No withdrawals allowed
• Early closure subject to 120 days' interest penalty
• Annual interest on 31 May or monthly interest option for balances over £25,000
Balance Fixed Current AER Fixed Current Gross
£1,000 - £100,000 1.20% 1.20%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Bond (Issue 70)

About
Rates
Terms & Conditions
• This product is only available to existing members or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
• Fixed rate until 31 August 2016
• No additional investments
• No withdrawals allowed
• Early closure subject to 120 days' interest penalty
• Annual interest on 31 August or monthly interest option for balances over £25,000
Balance Fixed Current AER Fixed Current Gross
£1,000 - £100,000 1.00% 1.00%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Bond (Issue 71)

About
Rates
Terms & Conditions
• This product is only available to existing members or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
• Fixed rate until 31 August 2017
• No additional investments
• No withdrawals allowed
• Early closure subject to 120 days' interest penalty
• Annual interest on 31 August or monthly interest option for balances over £25,000
Balance Fixed Current AER Fixed Current Gross
£1,000 - £100,000 1.20% 1.20%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Bond (Issue 72)

About
Rates
Terms & Conditions
  • This product is only available to existing members or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE 
  • Fixed rate until 30 November 2016
  • No additional investments
  • No withdrawals allowed
  • Early closure subject to 120 days' interest penalty
  • Annual interest on 30 November or monthly interest option for balances over £25,000
Balance Fixed Current AER Fixed Current Gross
£1,000 - £100,000 1.00% 1.00%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Bond (Issue 73)

About
Rates
Terms & Conditions
  • This product is only available to existing members or new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
  • Fixed rate until 30 November 2017
  • No additional investments
  • No withdrawals allowed
  • Early closure subject to 120 days' interest penalty
  • Annual interest on 30 November or monthly interest option for balances over £25,000
Balance Fixed Current AER Fixed Current Gross
£1,000 - £100,000 1.20% 1.20%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Bond (Issue 74)

About
Rates
Terms & Conditions

• Fixed rate until 28 February 2017

• No additional investments

• No withdrawals allowed

• Early closure subject to 120 days' interest penalty

• Annual interest on 28 February or monthly interest option for balances over £25,000

Balance Fixed Current AER Fixed Current Gross
£1,000 - £100,000 1.00% 1.00%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
£1,000 - £100,000 1.00% 1.00%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Bond (Issue 75)

About
Rates
Terms & Conditions

• Fixed rate until 28 February 2018

• No additional investments

• No withdrawals allowed

• Early closure subject to 120 days' interest penalty

• Annual interest on 28 February or monthly interest option for balances over £25,000

Balance Fixed Current AER Fixed Current Gross
£1,000 - £100,000 1.20% 1.20%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Bond (Issue 76)

About
Rates
Terms & Conditions

• Fixed rate until 30 June 2017

• No additional investments

• No withdrawals allowed

• Early closure subject to 120 days' interest penalty

• Annual interest on 30 June or monthly interest option for balances over £25,000

Balance Fixed Current AER Fixed Current Gross
£1,000 - £100,000 1.00% 1.00%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Bond (Issue 77)

About
Rates
Terms & Conditions

• Fixed rate until 30 June 2018

• No additional investments

• No withdrawals allowed

• Early closure subject to 120 days' interest penalty

• Annual interest on 30 June or monthly interest option for balances over £25,000

Balance Fixed Current AER Fixed Current Gross
£1,000 - £100,000 1.20% 1.20%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Holiday Save

About
Rates
Terms & Conditions

SUMMARY OF HOLIDAY SAVE TERMS:

  • Holiday Save in association with Fred.Olsen Travel
  • Two withdrawals per anniversary year
  • 3% variable bonus added on account anniversary subject to 11 payments received in account year.
  • Bonus is calculated on payments made in anniversary year only
  • Annual interest on account anniversary    

BENEFITS TO HOLIDAY SAVE ACCOUNT HOLDERS:

  • Eligible for a discount of up to 10% off any holiday booked at Fred. Olsen Travel branches only
Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£10 - £500 0.25% excluding conditional bonus 3.25% including conditional bonus 0.25% excluding conditional bonus 3.25% including conditional bonus
variable monthly payments by Standing Order (maximum £1,000 if joint account)
View previous rates
Balance Variable Previous AER Variable Previous Gross
£10 - £500 0.50% excluding conditional bonus 3.50% including conditional bonus 0.50% excluding conditional bonus 3.50% including conditional bonus
variable monthly payments by Standing Order (maximum £1,000 if joint account)
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Ipswich Fixed (Issue 1)

About
Rates
Terms & Conditions
  • Fixed rate until 31 October 2017
  • No withdrawals.
  • Early closure subject to 30 days' notice or 30 days' interest penalty
  • Annual interest on 31 October
Balance Fixed Current AER Fixed Current Gross
£100 - £100,000 1.00% 1.00%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Ipswich Fixed (Issue 2)

About
Rates
Terms & Conditions
  • Fixed rate until 31 October 2018
  • No withdrawals.
  • Early closure subject to 60 days' notice or 60 days' interest penalty
  • Annual interest on 31 October
Balance Fixed Current AER Fixed Current Gross
£100 -£100,000 1.20% 1.20%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Ipswich Fixed (Issue 3)

About
Rates
Terms & Conditions
• This product is only available to existing members or new applicants resident in our local postcode areas IP, NR, CO, CM, CB and PE
• Fixed rate until 31 December 2017
• No additional investments
• No withdrawals allowed
• Early closure subject to 30 days' notice or 30 days' interest penalty
• Annual interest on 31 December or monthly interest option for balances over £20,000
Balance Fixed Current AER Fixed Current Gross
£100 - £100,000 0.75% 0.75%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
£100 - £100,000 1.00% 1.00%
Useful DownloadsDownload
Terms and conditions
Download Terms and conditions

Ipswich Fixed (Issue 4)

About
Rates
Terms & Conditions
• This product is only available to existing members or new applicants resident in our local postcode areas IP, NR, CO, CM, CB and PE
• Fixed rate until 31 December 2018
• No additional investments
• No withdrawals allowed
• Early closure subject to 60 days' notice or 60 days' interest penalty
• Annual interest on 31 December or monthly interest option for balances over £20,000
Balance Fixed Current AER Fixed Current Gross
£100 - £100,000 1.00% 1.00%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
£100 - £100,000 1.20% 1.20%
Useful DownloadsDownload
Terms and conditions
Download Terms and conditions

Ipswich Fixed (Issue 5)

About
Rates
Terms & Conditions
Balance Fixed Current AER Fixed Current Gross
£100 - £100,000 0.75% 0.75%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download Terms and conditions

Ipswich Fixed (Issue 6)

About
Rates
Terms & Conditions
  • This product is only available to existing members or new applicants resident in our local postcode areas IP, NR, CO, CM, CB and PE
  • Fixed rate until 31 January 2019
  • No additional investments
  • No withdrawals allowed
  • Early closure subject to 60 days' notice or 60 days' interest penalty
  • Annual interest on 31 January or monthly interest option for balances over £20,000
Balance Fixed Current AER Fixed Current Gross
£100 - £100,000 0.90% 0.90%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download Terms and conditions

Ipswich Fixed (Issue 7)

About
Rates
Terms & Conditions
Balance Fixed Current AER Fixed Current Gross
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download Terms and conditions

Ipswich Fixed (Issue 8)

About
Rates
Terms & Conditions
Balance Fixed Current AER Fixed Current Gross
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download Terms and conditions

Ipswich Fixed ISA (Issue 1)

About
Rates
Terms & Conditions
  • Fixed rate until 31 October 2017
  • Additional investments allowed up to the Cash ISA annual subscription limit
  • Transfers-in allowed
  • No withdrawals.
  • Early closure subject to 30 days' notice or 30 days' interest penalty
  • Annual interest on 31 October
Balance Fixed Current AER Fixed Current Gross
£100 - £100,000 1.00% TAX FREE 1.00% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Ipswich Fixed ISA (Issue 2)

About
Rates
Terms & Conditions
  • Fixed rate until 31 October 2018
  • Additional investments allowed up to the Cash ISA annual subscription limit
  • Transfers-in allowed
  • No withdrawals.
  • Early closure subject to 60 days' notice or 60 days' interest penalty
  • Annual interest on 31 October

 

Balance Fixed Current AER Fixed Current Gross
£100 - £100,000 1.20% TAX FREE 1.20% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Ipswich Fixed ISA (Issue 3)

About
Rates
Terms & Conditions
  • This product is available to existing members or to new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
  • Fixed rate until 31 December 2017
  • Additional investments allowed up to the Cash ISA annual subscription limit
  • Transfers-in allowed
  • No withdrawals.
  • Early closure subject to 30 days' notice or 30 days' interest penalty
  • Annual interest on 31 December
Balance Fixed Interest Current Rate
£100 - £100,000 0.75% TAX FREE
View previous rates
Balance Fixed Interest Previous Rate
£100 - £100,000 1.00% TAX FREE
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Ipswich Fixed ISA (Issue 4)

About
Rates
Terms & Conditions
  • This product is available to existing members or to new applicants in our local postcode areas IP, NR, CO, CM, CB and PE
  • Fixed rate until 31 December 2018
  • Additional investments allowed up to the Cash ISA annual subscription limit
  • Transfers-in allowed
  • No withdrawals.
  • Early closure subject to 60 days' notice or 60 days' interest penalty
  • Annual interest on 31 December
Balance Fixed Interest Current Rate
£100 - £100,000 1.00% TAX FREE
View previous rates
Balance Fixed Interest Previous Rate
£100 - £100,000 1.20% TAX FREE
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Ipswich Fixed ISA (Issue 5)

About
Rates
Terms & Conditions
Balance Fixed Interest Current Rate
£100 - £100,000 0.75% TAX FREE
View previous rates
Balance Fixed Interest Previous Rate
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Ipswich Fixed ISA (Issue 6)

About
Rates
Terms & Conditions
Balance Fixed Interest Current Rate
£100 - £100,000 0.90% TAX FREE
View previous rates
Balance Fixed Interest Previous Rate
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Ipswich Fixed ISA (Issue 7)

About
Rates
Summary Box
Terms & Conditions
Balance Fixed Interest Current Rate
View previous rates
Balance Fixed Interest Previous Rate
No Previous Rates
Account NameIpswich Fixed ISA (Issue 7)
What is the interest rate?

0.75% Tax-Free*/AER**

Interest is added to the account annually on 30 June.

Can the Society change the interest rate?

The interest rate is fixed until the maturity date on 30 June 2018.

What would the estimated balance be after 12 months based on a £1,000 deposit?

Based on the fixed rate of interest, if you deposited £1000 into this account, after 12 months you would have £1007.50.

This figure is only an estimate, based on there being no additional deposits or withdrawals in that time with all interest being added to your account. This figure is for illustrative purposes only, and does not take into account your individual circumstances.

How do I open and manage my account?

If you are aged 16 or over, resident in the UK and can provide a National Insurance number, you can open a Cash ISA.

This account is available to all members or for new members, resident in postcode areas IP, NR, CO, CM, CB and PE only.

Accounts can be opened with a minimum amount of £100 and the maximum that can be held in this account is £100,000.

You may invest up to the maximum Cash ISA limit in a single tax year. The maximum you can invest is set by HM Revenue & Customs. Please speak to a member of staff or refer to our website for the current ISA subscription limits. Please remember that you can only subscribe to one Cash ISA with one provider in any tax year.

You cannot make any additional investments into this ISA after 5 April 2018.  

Can I transfer in my ISA?
Yes, you can transfer-in an ISA from another ISA Manager, provided you have not exercised any flexible option. The maximum you can transfer-in is the amount you currently have saved in your ISA(s). If you have not made any ISA subscriptions in the current tax year you may do so at the time of opening.

Can I withdraw money?

No. However your ISA can be closed at any time by giving 30 days' notice or immediately subject to a penalty equivalent to 30 days' interest. The loss of interest will be taken from the capital invested if there is insufficient accrued interest on the account. You cannot open another ISA in the same tax year in which you have subscribed to this ISA.

Can I transfer my ISA?
If you want to transfer to a new ISA Manager before 30 June 2018, you will need to give us 30 days' notice. The transfer will then be completed within 5 working days of the expiry of your notice. You can transfer immediately subject to a penalty equivalent to 30 days' interest. The loss of interest will be taken from the capital invested if there is insufficient accrued interest on the account.

What happens at the end of the fixed rate period?
The final interest will be added to your account on 30 June 2018. We will contact you 14 days before this date providing you with details of the proposed account your savings will be transferred to when your ISA matures.

Your savings will be transferred to another fixed term account with the closest access and duration to your existing product, so you can continue your investment; however we will also detail your options including how to transfer to an easy access ISA (NISA) or how to close your account.

You will be given full access to your funds for a specified period if you have other plans for your savings and wish to withdraw your funds or choose an alternative product.

Additional Information

This is a summary of the key features of this account. You will still need to read the savings Terms and Conditions.

Tax-Free* - Interest is free of Personal UK Income Tax, your Personal Savings Allowance and Capital Gains Tax

**AER (Annual Equivalent Rate) - A notional rate which illustrates what the gross rate would be if the interest was paid and compounded once per year.

Useful DownloadsDownload
Terms and conditions
Download the investment application form

Ipswich Fixed ISA (Issue 8)

About
Rates
Summary Box
Terms & Conditions
Balance Fixed Interest Current Rate
View previous rates
Balance Fixed Interest Previous Rate
No Previous Rates
Account NameIpswich Fixed ISA (Issue 8)
What is the interest rate?

0.90% Tax-Free*/AER**

Interest is added to the account annually on 30 June.

Can the Society change the interest rate?

The interest rate is fixed until the maturity date on 30 June 2019.

What would the estimated balance be after 12 months based on a £1,000 deposit?

Based on the fixed rate of interest, if you deposited £1000 into this account, after 12 months you would have £1009.00.

(This figure is only an estimate and based on all interest being added to your account. This figure is for illustrative purposes only, and does not take into account your individual circumstances).

How do I open and manage my account?

If you are aged 16 or over, resident in the UK and can provide a National Insurance number, you can open a Cash ISA.

This account is available to all members or for new members, resident in postcode areas IP, NR, CO, CM, CB and PE only.

Accounts can be opened with a minimum amount of £100 and the maximum that can be held in this account is £100,000.

You may invest up to the maximum Cash ISA limit in a single tax year .The maximum you can invest is set by HM Revenue & Customs. Please speak to a member of staff or refer to our website for the current ISA subscription limits. Please remember that you can only subscribe to one Cash ISA with one provider in any tax year.

You cannot make any additional investments into this ISA after 5 April 2018.  

Can I transfer in my ISA?
Yes, you can transfer-in an ISA from another ISA Manager, provided you have not exercised any flexible option. The maximum you can transfer-in is the amount you currently have saved in your ISA(s). If you have not made any ISA subscriptions in the current tax year you may do so at the time of opening.

Can I withdraw money?

No. However your ISA can be closed at any time by giving 60 days' notice or immediately subject to a penalty equivalent to 60 days' interest. The loss of interest will be taken from the capital invested if there is insufficient accrued interest on the account. You cannot open another ISA in the same tax year in which you have subscribed to this ISA.

Can I transfer my ISA?
If you want to transfer to a new ISA Manager before 30 June 2019, you will need to give us 60 days' notice. The transfer will then be completed within 5 working days of the expiry of your notice. You can transfer immediately subject to a penalty equivalent to 60 days' interest. The loss of interest will be taken from the capital invested if there is insufficient accrued interest on the account.

What happens at the end of the fixed rate period?
The final interest will be added to your account on 30 June 2019. We will contact you 14 days before this date providing you with details of the proposed account your savings will be transferred to when your ISA matures.

Your savings will be transferred to another fixed term account with the closest access and duration to your existing product, so you can continue your investment; however we will also detail your options including how to transfer to an easy access ISA (NISA) or how to close your account.

You will be given full access to your funds for a specified period if you have other plans for your savings and wish to withdraw your funds or choose an alternative product.

Additional Information

This is a summary of the key features of this account. You will still need to read the savings Terms and Conditions.

 Tax-Free* - Interest is free of Personal UK Income Tax, your Personal Savings Allowance and Capital Gains Tax

**AER (Annual Equivalent Rate) - A notional rate which illustrates what the gross rate would be if the interest was paid and compounded once per year.

Useful DownloadsDownload
Terms and conditions
Download Terms and conditions

Ipswich Pension Reserve

About
Rates
Terms & Conditions

• No initial or annual administration charges
• Withdrawals subject to 60 days' notice or interest penalty
• Additional investments up to a maximum balance of £500,000
• Annual interest paid on 5 April

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1,000 - £24,999 0.95% 0.95%
£25,000 - £84,999 1.15% 1.15%
£85,000- £500,000 1.35% 1.35%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1,000 - £24,999 1.65% 1.65%
£25,000 - £84,999 1.90% 1.90%
£85,000- £500,000 2.15% 2.15%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Ipswich SIPP

About
Rates
Terms & Conditions

• No initial or annual administration charges
• Withdrawals subject to 60 days' notice or interest penalty
• Additional investments up to a maximum balance of £500,000 will only be accepted up to and including 28 March 2013
• Annual interest paid on 5 April

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1,000 - £24,999 0.95% 0.95%
£25,000 - £49,999 1.15% 1.15%
£50,000 - £99,999 1.40% 1.40%
£100,000-£249,999 1.55% 1.55%
£250,000 - £500,000 1.75% 1.75%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1,000 - £24,999 1.20% 1.20%
£25,000 - £49,999 1.40% 1.40%
£50,000 - £99,999 1.65% 1.65%
£100,000-£249,999 1.80% 1.80%
£250,000 - £500,000 2.00% 2.00%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Ipswich Tracker

About
Rates
Terms & Conditions

• Tracks 0.25% below Bank of England Base rate
• 0.5% Existing member bonus for the first year only
• 90 days' notice or interest penalty on the amount withdrawn
• No notice required if remaining balance exceeds £10,000

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1,000 - £250,000 0.10%* 0.10%*
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1,000 - £250,000 0.25%* 0.25%*
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Member Loyalty ISA

About
Rates
Terms & Conditions
• Withdrawals subject to 90 days' notice or 90 days' interest penalty
• Annual interest added to ISA on 5 April
• No transfers-in
Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£100 and above 1.15% TAX FREE 1.15% TAX FREE
View previous rates
Balance Variable Previous AER Variable Previous Gross
£100 and above 1.40% TAX FREE 1.40% TAX FREE
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Mortgage Savings Plan

About
Rates
Terms & Conditions

• Annual interest
• No withdrawals

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£100 - £50,000 7.24% 7.24%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£100 - £50,000 7.49% 7.49%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Non Personal Account 81/83

About
Rates

• Half yearly interest
• Instant access

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1 - £499 0.10% 0.10%
£500 - £4,999 0.10% 0.10%
£5,000 - £9,999 0.10% 0.10%
£10,000 - £24,999 0.10% 0.10%
£25,000 - £49,999 0.10% 0.10%
£50,000 - £99,999 0.10% 0.10%
£100,000 and above 0.30% 0.30%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1 - £499 0.10% 0.10%
£500 - £4,999 0.10% 0.10%
£5,000 - £9,999 0.13% 0.13%
£10,000 - £24,999 0.18% 0.23%
£25,000 - £49,999 0.23% 0.25%
£50,000 - £99,999 0.25% 0.25%
£100,000 and above 0.55% 0.55%

Non Personal Account 266/283

About
Rates

• Half yearly interest
• Instant access

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1 - £499 0.10% 0.10%
£500 - £4,999 0.10% 0.10%
£5,000 - £9,999 0.10% 0.10%
£10,000 - £24,999 0.10% 0.10%
£25,000 and above 0.10% 0.10%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1 - £499 0.10% 0.10%
£500 - £4,999 0.10% 0.10%
£5,000 - £9,999 0.13% 0.13%
£10,000 - £24,999 0.15% 0.15%
£25,000 and above 0.18% 0.18%

Non Resident Account 96/97

About
Rates

• Half yearly interest
• Instant access

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1 and above 0.10% 0.10%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1 and above 0.10% 0.10%

Non Resident Account 85

About
Rates

• Half yearly interest
• Instant access

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
up to £10,000 0.10% 0.10%
£10,000 and above 0.10% 0.10%
View previous rates
Balance Variable Previous AER Variable Previous Gross
No Previous Rates

Premier Instant

About
Rates
Terms & Conditions

• Instant access with no penalty

• Interest paid half yearly - 1 June and 1 December

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£10 - £4,999 0.10% 0.10%
£5,000 - £9,999 0.10% 0.10%
£10,000 - £24,999 0.10% 0.10%
£25,000 - £49,999 0.10% 0.10%
£50,000 - £99,999 0.10% 0.10%
£100,000 & above 0.13% 0.13%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£10 - £4,999 0.13% 0.13%
£5,000 - £9,999 0.18% 0.18%
£10,000 - £24,999 0.20% 0.20%
£25,000 - £49,999 0.23% 0.23%
£50,000 - £99,999 0.30% 0.30%
£100,000 & above 0.38% 0.38%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Premier ISA

About
Rates
Terms & Conditions

• Instant access

• Annual interest added to ISA on 5 April

• Transfers-in allowed

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£10 and above NISA annual subscription limits apply 0.55% TAX FREE 0.55% TAX FREE
View previous rates
Balance Variable Previous AER Variable Previous Gross
£10 and above NISA annual subscription limits apply 0.80% TAX FREE 0.80% TAX FREE
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Premier 30

About
Rates
Terms & Conditions

• 1 penalty free withdrawal per year
• 30 days' notice or interest penalty on the amount withdrawn
• No notice required if remaining balance exceeds £10,000
• Interest paid annually on 1 December

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1,000 - £24,999 0.10% 0.10%
£25,000 - £49,999 0.13% 0.13%
£50,000 - £74,999 0.25% 0.25%
£75,000 - £99,999 0.38% 0.38%
£100,000 & above 0.58% 0.58%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1,000 - £24,999 0.23% 0.23%
£25,000 - £49,999 0.38% 0.38%
£50,000 - £74,999 0.50% 0.50%
£75,000 - £99,999 0.63% 0.63%
£100,000 & above 0.83% 0.83%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Premier Portfolio

About
Rates
Terms & Conditions

• Instant access account linked to Norwich Union Portfolio Bond
• Annual interest

Balance Fixed Current AER Fixed Current Gross
£1,000 - £40,000 0.10% 0.10%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
£1,000 - £40,000 0.23% 0.23%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Regular ISA (Issue 1)

About
Rates
Terms & Conditions
Balance Fixed Interest Current Rate
£10 - £1,270 variable monthly subscriptions by Standing Order or in branch 2.00% TAX FREE
View previous rates
Balance Fixed Interest Previous Rate
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Regular Saver Cash ISA

About
Rates
Terms & Conditions

• Variable monthly payments
• No partial withdrawals during 12 month period
• Access to funds in 13th month without notice or penalty
• Annual interest on account anniversary

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£20 - £300 monthly subscriptions 1.15% TAX FREE Rate conditional on 12 monthly subscriptions per year by standing order 1.15% TAX FREE
View previous rates
Balance Variable Previous AER Variable Previous Gross
£20 - £300 monthly subscriptions 1.40% TAX FREE Rate conditional on 12 monthly subscriptions per year by standing order 1.40% TAX FREE
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Save Up (for children aged 0 to 16 years)

About
Rates
Terms & Conditions

• Instant access with no penalty

• Account operated by parent or guardian up to age 7, then the account is operated by the child

• Interest paid annually on 1 December

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1 - £5,000 1.55% 1.55%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1 - £5,000 1.80% 1.80%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Smart Save Monthly

About
Rates
Terms & Conditions
  • This product is only available to existing members or new applicants resident in our local postcode areas IP, NR, CO, CM, CB and PE

  • Two withdrawals per anniversary year

  • 3% variable bonus added on account anniversary subject to 11 payments received in account year. Bonus is calculated on payments made in anniversary year only

  • Annual interest on account anniversary

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£10 - £500 0.25%* 0.25%*
variable monthly payments by Standing Order (maximum £1,000 if joint account) 3.25%† 3.25%†
View previous rates
Balance Variable Previous AER Variable Previous Gross
£10 - £500 0.50%* 0.50%*
variable monthly payments by Standing Order (maximum £1,000 if joint account) 3.50%† 3.50%†
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Spousal ISA

About
Rates
Terms & Conditions
  • This product was only available to a surviving spouse or civil partner of an Ipswich Building Society member holding an ISA or multiple ISAs as at the date of their death on or after 3 December 2014
  • Instant access
  • Annual interest added on 5 April
  • Please refer to the terms and conditions of the account for more information
Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£10+ ISA subscription limits apply 0.80% TAX FREE 0.80% TAX FREE
View previous rates
Balance Variable Previous AER Variable Previous Gross
£10+ ISA subscription limits apply - -

Useful DownloadsDownload Terms and conditions

Suffolk Monthly

About
Rates

• Instant access
• Monthly interest

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1 - £499 0.10% 0.10%
£500 - £4,999 0.10% 0.10%
£5,000 - £9,999 0.10% 0.10%
£10,000 - £24,999 0.10% 0.10%
£25,000 and above 0.10% 0.10%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1 - £499 0.10% 0.10%
£500 - £4,999 0.18% 0.18%
£5,000 - £9,999 0.20% 0.20%
£10,000 - £24,999 0.25% 0.25%
£25,000 and above 0.30% 0.30%

Suffolk Savvy Saver

About
Rates
Summary Box
Terms & Conditions
Apply Now
Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1,000 - £19,999 0.75% 0.75%
£20,000 - £49,999 0.85% 0.85%
£50,000 + 0.95% 0.95%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1,000 - £19,999 1.00% 1.00%
£20,000 - £49,999 1.10% 1.10%
£50,000 + 1.20% 1.20%
Account NameSuffolk Savvy Saver
What is the interest rate?

£1000 - £19,999                  0.75% Gross* / AER**
£20,000 - £49,999               0.85% Gross */ AER**
£50,000 - £250,000             0.95% Gross */ AER**

Interest is added to the account annually on 1 December or can be paid into another Ipswich Building Society account or direct to your bank account. For balances of £20,000 or over the interest can be paid monthly but not added to the account.

When your balance moves into the higher interest rate tier you will receive interest on the whole balance at that higher rate. If you make a withdrawal that takes you into a lower tier, the lower tier rate is paid on the whole balance.

Can the Society change the interest rate?

The interest rate is variable, which means we reserve the right to change them to reflect market conditions, to comply with legal or regulatory guidelines and to protect the long-term future of the Society.

We will give you 14 days’ notice before any change that would disadvantage you, provided you had a balance of £100 at the time of writing. For full details please read our General Investment Terms and Conditions.

What would the estimated balance be after 12 months based on a £1,000 deposit?

Based on the current rate of interest, if you deposited £1000 into this account, after 12 months you would have £1007.50.

(This figure is only an estimate, based on there being no additional deposits or withdrawals in that time with all interest being added to your account. This figure is for illustrative purposes only, and does not take into account your individual circumstances).

How do I open and manage my account?

This account is only for UK resident individuals 7 or over. Available by post or branch. This account is available to all members or for new members, those resident in postcode areas IP, NR, CO, CM, CB and PE only.

The minimum amount to open an account is £1,000. The overall maximum is £250,000. Additional investments can be made up to the maximum balance. An individual is only allowed to be the sole or first named account holder on one Suffolk Savvy Saver. However, you can also be the second named account holder on one joint account .

Can I withdraw money?

You can make 1 penalty free full or partial withdrawal between 1 December and 30 November each year. Subsequent withdrawals subject to 90 days' notice or 90 days' interest penalty. The loss of interest will be taken from the capital invested if there is insufficient accrued interest on the account.

After a partial withdrawal, if the balance falls below £1,000 your account will not qualify for interest until the balance is restored to the minimum required for this account. If you cannot restore the minimum balance, the account can be closed without notice or penalty and transferred to another account in our current range.

If you are receiving your interest monthly, making a penalty withdrawal from your account will have an impact on the amount you receive. If the penalty is substantial, it may take several months for your account to accumulate sufficient interest for monthly interest payments to recommence.

Additional Information

This is a summary of the key features of this account. You will still need to read the General Investment Terms and Conditions.

 *Gross - The rate paid without interest deducted. For more information on your Personal Savings Allowance, please refer to www.gov.uk.

**AER (Annual Equivalent Rate) - A notional rate which illustrates what the gross rate would be if the interest was paid and compounded once per year.

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Terms and conditions
Download the investment application form

I accept the Terms and Conditions
Eligibility: I am an existing member or a new applicant residing in the following postcode areas; IP, NR, CO, CM, CB, PE
I declare that I will print out, read and retain the Financial Services Compensation Scheme (FSCS) Information Sheet which is attached to the application form

Please note: for new members we can confirm your identity electronically, however if you are not on the electoral roll we will need further proof of your identity. Please click here for acceptable forms of identification.

Useful DownloadsDownload

Investment Application Form and FSCS Information Sheet

Download the investment application form

Treasurer's Account

About
Rates
Terms & Conditions

• Instant access with no penalty

• Minimum two signatures to withdraw

• Interest paid half yearly on 1 June and 1 December

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£100 - £499 0.10% 0.10%
£500 - £4,999 0.10% 0.10%
£5,000 - £9,999 0.10% 0.10%
£10,000 - £24,999 0.10% 0.10%
£25,000 - £99,999 0.10% 0.10%
£100,000 & above 0.10% 0.10%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£100 - £499 0.10% 0.10%
£500 - £4,999 0.10% 0.10%
£5,000 - £9,999 0.13% 0.13%
£10,000 - £24,999 0.15% 0.15%
£25,000 - £99,999 0.18% 0.18%
£100,000 & above 0.23% 0.23%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Tracker ISA

About
Rates
Terms & Conditions

• Rates track Bank of England Base Rate at
- 0.5% below Bank Base Rate on balances £500 - £11,999
- 0.25% below Bank Base Rate on balances £12,000 - £17,999
- Bank Base Rate for balances over £18,000
• 30 days' notice or interest penalty on amount withdrawn
• Annual interest added to ISA on 5 April
When the Base Rate changes, the rate on this account will change 7 days later

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£500 - £3,600 per tax year unless transferring in 0.10% for balances £500 - £11,999 0.10% for balances £500 - £11,999
0.10% for balances £12,000 - £17,999 0.10% for balances £12,000 - £17,999
0.25% for balances over £18,000 TAX FREE 0.25% for balances over £18,000 TAX FREE
View previous rates
Balance Variable Previous AER Variable Previous Gross
£500 - £3,600 per tax year unless transferring in 0.10% for balances £500 - £11,999 0.10% for balances £500 - £11,999
0.25% for balances £12,000 - £17,999 0.25% for balances £12,000 - £17,999
0.50% for balances over £18,000 TAX FREE 0.50% for balances over £18,000 TAX FREE
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Undesignated Client Deposit Account

About
Rates
Terms & Conditions

• Variable interest tracks at 0.25% above 3 month LIBOR

• Interest rate is reset each quarter on 1 December, 1 March, 1 June and 1 September

• Unlimited immediate withdrawals by CHAPS (no charge)

• Interest paid monthly to a nominated bank account

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£50,000 - £2,500,000 0.80% 0.80%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£50,000 - £2,500,000 1.05% 1.05%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

We-Care (for local charities)

About
Rates
Terms & Conditions
  • 3 penalty free withdrawals per year
  • 1% annual bonus payable directly to one of the following charities:
  • East Anglian Air Ambulance
  • St Elizabeth Hospice
  • Suffolk Wildlife Trust
  • Interest paid annually - 1 December
Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£100 - £2,499 0.25% 0.25%
£2,500 - £50,000 0.75% 0.75%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£100 - £2,499 0.50% 0.50%
£2,500 - £50,000 1.00% 1.00%
Useful DownloadsDownload
Terms & Summary Box
Download the investment application form

Young Savers

About
Rates
Terms & Conditions

• Instant access with no penalty
• Child must be aged 7 years or over to withdraw
• Interest paid annually on 1 December

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£1 & above 1.55% 1.55%
View previous rates
Balance Variable Previous AER Variable Previous Gross
£1 & above 1.80% 1.80%
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Young Savers ISA

About
Rates

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

Balance Variable Current AER (Variable current AER) Variable Current Gross (Variable current gross)
£10 and above ISA annual subscription limits apply 0.55% TAX FREE 0.55% TAX FREE
View previous rates
Balance Variable Previous AER Variable Previous Gross
£10 and above ISA annual subscription limits apply 0.80% TAX FREE 0.80% TAX FREE

Maturity products (Exclusive Fixed Rate ISA, Heritage Plus, Suffolk Plus & Suffolk ISA Plus)

Exclusive Fixed Rate ISA 25

About
Rates
Terms & Conditions
• Fixed rate until 28 February 2017
• No additional investments allowed
• No transfers-in
• 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 28 February 2017
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.70% TAX FREE 1.70% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Exclusive Fixed Rate ISA 26

About
Rates
Terms & Conditions
• Fixed rate until 5 April 2017
• No additional investments allowed
• No transfers-in
• 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 5 April 2017
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.40% TAX FREE 1.40% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Exclusive Fixed Rate ISA 28

About
Rates
Terms & Conditions
• Fixed rate until 30 June 2017
• No additional investments allowed
• No transfers-in
• 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 2017
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.40% TAX FREE 1.40% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Exclusive Fixed Rate ISA 30

About
Rates
Terms & Conditions
• Fixed rate until 31 July 2017
• No additional investments allowed
• No transfers-in
• 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 31 July 2017
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.30% TAX FREE 1.30% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Exclusive Fixed Rate ISA 31

About
Rates
Terms & Conditions
• Fixed rate until 31 October 2016
• No additional investments allowed
• No transfers-in
• 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 31 October 2016
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.10% TAX FREE 1.10% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Exclusive Fixed Rate ISA 32

About
Rates
Terms & Conditions
• Fixed rate until 31 October 2017
• No additional investments allowed
• No transfers-in
• 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 31 October 2017
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.30% TAX FREE 1.30% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Exclusive Fixed Rate ISA 33

About
Rates
Terms & Conditions
  • Fixed rate until 31 December 2016
  • No additional investments allowed
  • No transfers-in 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 31 December 2016
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.10% TAX FREE 1.10% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Exclusive Fixed Rate ISA 34

About
Rates
Terms & Conditions

• Fixed rate until 31 December 2017
• No additional investments allowed
• No transfers-in
• 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 31 December 2017

Balance Fixed Current AER Fixed Current Gross
£100 and above 1.30% TAX FREE 1.30% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Exclusive Fixed Rate ISA 35

About
Rates
Terms & Conditions
  • Fixed rate until 31 January 2018
  • No additional investments allowed
  • No transfers-in
  • 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 31 January 2018
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.40% TAX FREE 1.40% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Exclusive Fixed Rate ISA 36

About
Rates
Terms & Conditions
  • Fixed rate until 28 February 2017
  • No additional investments allowed
  • No transfers-in
  • 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
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.20% TAX FREE 1.20% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Exclusive Fixed Rate ISA 37

About
Rates
Terms & Conditions
  • Fixed rate until 28 February 2018
  • No additional investments allowed
  • No transfers-in
  • 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
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.40% TAX FREE 1.40% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Exclusive Fixed Rate ISA 38

About
Rates
Terms & Conditions
  • Fixed rate until 5 April 2017
  • No additional investments allowed
  • No transfers-in
  • 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
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.20% TAX FREE 1.20 TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Exclusive Fixed Rate ISA 39

About
Rates
Terms & Conditions
  • Fixed rate until 5 April 2018
  • No additional investments allowed
  • No transfers-in
  • 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
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.40% TAX FREE 1.40% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Exclusive Fixed Rate ISA 40

About
Rates
Terms & Conditions
  • Fixed rate until 31 May 2017
  • No additional investments allowed
  • No transfers-in
  • 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 31 January 2018
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.10% TAX FREE 1.10% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Exclusive Fixed Rate ISA 41

About
Rates
Terms & Conditions
  • Fixed rate until 31 May 2018
  • No additional investments allowed
  • No transfers-in
  • 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
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.30% TAX FREE 1.30% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Plus 39

About
Rates
Terms & Conditions
  • Fixed rate until 28 February 2017
  • Early closure subject to 120 days' interest penalty
  • Additional investments are not allowed
  • Interest paid annually on 28 February (29 February 2016 - leap year) or for balances over £25,000, monthly interest option
Balance Fixed Current AER Fixed Current Gross
£1,000 and above 1.70% 1.70%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Plus 41

About
Rates
Terms & Conditions
  • Fixed rate until 30 June 2017
  • Early closure subject to 120 days' interest penalty
  • Additional investments are not allowed
  • Interest paid annually on 30 June or for balances over £25,000, monthly interest option
Balance Fixed Current AER Fixed Current Gross
£1,000 and above 1.40% 1.40%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Plus 43

About
Rates
Terms & Conditions
  • Fixed rate until 31 July 2017
  • Early closure subject to 120 days' interest penalty
  • Additional investments are not allowed
  • Interest paid annually on 31 July or for balances over £25,000, monthly interest option
Balance Fixed Current AER Fixed Current Gross
£1,000 and above 1.30% 1.30%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Plus 44

About
Rates
Terms & Conditions
  • Fixed rate until 31 October 2016
  • Early closure subject to 120 days' interest penalty
  • Additional investments are not allowed
  • Interest paid annually on 31 October or for balances over £25,000, monthly interest option
Balance Fixed Current AER Fixed Current Gross
£1,000 and above 1.10% 1.10%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Plus 45

About
Rates
Terms & Conditions
  • Fixed rate until 31 October 2017
  • Early closure subject to 120 days' interest penalty
  • Additional investments are not allowed
  • Interest paid annually on 31 October or for balances over £25,000, monthly interest option
Balance Fixed Current AER Fixed Current Gross
£1,000 and above 1.30% 1.30%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Plus 46

About
Rates
Terms & Conditions
  • Fixed rate until 31 December 2016
  • Early closure subject to 120 days' interest penalty
  • Additional investments are not allowed
  • Interest paid annually on 31 December or for balances over £25,000, monthly interest option
Balance Fixed Current AER Fixed Current Gross
£1,000 and above 1.10% 1.10%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Plus 47

About
Rates
Terms & Conditions
  • Fixed rate until 31 January 2018
  • Early closure subject to 120 days' interest penalty
  • Additional investments are not allowed
  • Interest paid annually on 31 January or for balances over £25,000, monthly interest option
Balance Fixed Current AER Fixed Current Gross
£1,000 and above 1.40% 1.40%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Plus 48

About
Rates
Terms & Conditions
  • Fixed rate until 28 February 2017
  • Early closure subject to 120 days' interest penalty
  • Additional investments are not allowed
  • Interest paid annually on 28 February or for balances over £25,000, monthly interest option
Balance Fixed Current AER Fixed Current Gross
£1,000 and above 1.20% 1.20%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Plus 49

About
Rates
Terms & Conditions
  • Fixed rate until 28 February 2018
  • Early closure subject to 120 days' interest penalty
  • Additional investments are not allowed
  • Interest paid annually on 28 February or for balances over £25,000, monthly interest option
Balance Fixed Current AER Fixed Current Gross
£1,000 and above 1.40% 1.40%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Plus 50

About
Rates
Terms & Conditions
  • Fixed rate until 31 March 2018
  • Early closure subject to 120 days' interest penalty
  • Additional investments are not allowed
  • Interest paid annually on 31 March or for balances over £25,000, monthly interest option
Balance Fixed Current AER Fixed Current Gross
£1,000 and above 1.40% 1.40%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Plus 51

About
Rates
Terms & Conditions
  • Fixed rate until 31 May 2017
  • Early closure subject to 120 days' interest penalty
  • Additional investments are not allowed
  • Interest paid annually on 31 May or for balances over £25,000, monthly interest option
Balance Fixed Current AER Fixed Current Gross
£1,000 and above 1.10% 1.10%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Plus 52

About
Rates
Terms & Conditions
  • Fixed rate until 31 May 2018
  • Early closure subject to 120 days' interest penalty
  • Additional investments are not allowed
  • Interest paid annually on 31 May or for balances over £25,000, monthly interest option
Balance Fixed Current AER Fixed Current Gross
£1,000 and above 1.30% 1.30%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Heritage Plus 53

About
Rates
Terms & Conditions
  • Fixed rate until 31 July 2018
  • Early closure subject to 120 days' interest penalty
  • Additional investments are not allowed
  • Interest paid annually on 31 July or for balances over £25,000, monthly interest option
Balance Fixed Current AER Fixed Current Gross
£1,000 and above 1.40% 1.40%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk Plus (Issue 1)

About
Rates
Terms & Conditions
• Fixed rate
• No additional investments allowed
• No transfers-in
• No withdrawals allowed
• Early closure subject to 60 days' notice or 60 days' interest penalty
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.10% 1.10%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk Plus (Issue 2)

About
Rates
Terms & Conditions
• Fixed rate
• No additional investments allowed
• No transfers-in
• No withdrawals allowed
• Early closure subject to 90 days' notice or 90 days' interest penalty
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.10% 1.10%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk Plus (Issue 3)

About
Rates
Terms & Conditions
• Fixed rate
• No additional investments allowed
• No transfers-in
• No withdrawals allowed
• Early closure subject to 60 days' notice or 60 days' interest penalty
Balance Fixed Current AER Fixed Current Gross
£100 and above 0.85% 0.85%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk Plus (Issue 4)

About
Rates
Terms & Conditions
• Fixed rate until 31 October 2018
• No additional investments allowed
• No transfers-in
• No withdrawals allowed
• Early closure subject to 90 days' notice or 90 days' interest penalty
• Annual interest added on 31 August and maturity or monthly interest option for balances over £20,000
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.10% 1.10%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk Plus (Issue 5)

About
Rates
Terms & Conditions
• Fixed rate
• No additional investments allowed
• No transfers-in
• No withdrawals allowed
• Early closure subject to 60 days' notice or 60 days' interest penalty
Balance Fixed Current AER Fixed Current Gross
£100 and above 0.85% 0.85%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk Plus (Issue 6)

About
Rates
Terms & Conditions
• Fixed rate
• No additional investments allowed
• No transfers-in
• No withdrawals allowed
• Early closure subject to 90 days' notice or 90 days' interest penalty
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.00% 1.00%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk Plus (Issue 7)

About
Rates
Terms & Conditions
• Fixed rate
• No additional investments allowed
• No transfers-in
• No withdrawals allowed
• Early closure subject to 60 days' notice or 60 days' interest penalty
Balance Fixed Current AER Fixed Current Gross
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
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Terms and conditions
Download the investment application form

Suffolk Plus (Issue 8)

About
Rates
Terms & Conditions
• Fixed rate
• No additional investments allowed
• No transfers-in
• No withdrawals allowed
• Early closure subject to 90 days' notice or 90 days' interest penalty
Balance Fixed Current AER Fixed Current Gross
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk Plus (Issue 9)

About
Rates
Terms & Conditions
• Fixed rate
• No additional investments allowed
• No transfers-in
• No withdrawals allowed
• Early closure subject to 60 days' notice or 60 days' interest penalty
Balance Fixed Current AER Fixed Current Gross
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk Plus (Issue 10)

About
Rates
Terms & Conditions
• Fixed rate
• No additional investments allowed
• No transfers-in
• No withdrawals allowed
• Early closure subject to 90 days' notice or 90 days' interest penalty
Balance Fixed Current AER Fixed Current Gross
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk ISA Plus (Issue 1)

About
Rates
Terms & Conditions
  • Fixed rate until 31 August 2017
  • No additional investments allowed
  • No transfers-in
  • No withdrawals allowed
  • Early closure subject to 90 days' notice or 90 days' interest penalty
  • Annual interest added to ISA on 31 August and maturity
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.10% TAX FREE 1.10% TAX FREE
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk ISA Plus (Issue 2)

About
Rates
Terms & Conditions
  • Fixed rate until 30 September 2018
  • No additional investments allowed
  • No transfers-in
  • No withdrawals allowed
  • Early closure subject to 90 days' notice or 90 days' interest penalty
  • Annual interest added to ISA on 30 September and maturity
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.10% 1.10%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk ISA Plus (Issue 3)

About
Rates
Terms & Conditions
  • Fixed rate until 31 October 2017
  • No additional investments allowed
  • No transfers-in
  • No withdrawals allowed
  • Early closure subject to 90 days' notice or 90 days' interest penalty
  • Annual interest added to ISA on 31 October and maturity
Balance Fixed Current AER Fixed Current Gross
£100 and above 0.85% 0.85%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk ISA Plus (Issue 4)

About
Rates
Terms & Conditions
  • Fixed rate until 30 November 2017
  • No additional investments allowed
  • No transfers-in
  • No withdrawals allowed
  • Early closure subject to 90 days' notice or 90 days' interest penalty
  • Annual interest added to ISA on 30 November and maturity
Balance Fixed Current AER Fixed Current Gross
£100 and above 0.85% 0.85%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk ISA Plus (Issue 5)

About
Rates
Terms & Conditions
  • Fixed rate
  • No additional investments allowed
  • No transfers-in
  • No withdrawals allowed
  • Early closure subject to 90 days' notice or 90 days' interest penalty
Balance Fixed Current AER Fixed Current Gross
£100 and above 1.00% 1.00%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk ISA Plus (Issue 6)

About
Rates
Terms & Conditions
  • Fixed rate
  • No additional investments allowed
  • No transfers-in
  • No withdrawals allowed
  • Early closure subject to 90 days' notice or 90 days' interest penalty
Balance Fixed Current AER Fixed Current Gross
£100 and above 0.85% 0.85%
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk ISA Plus (Issue 7)

About
Rates
Terms & Conditions
Balance Fixed Current AER Fixed Current Gross
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

Suffolk ISA Plus (Issue 8)

About
Rates
Terms & Conditions
Balance Fixed Current AER Fixed Current Gross
View previous rates
Balance Fixed Previous AER Fixed Previous Gross
No Previous Rates
Useful DownloadsDownload
Terms and conditions
Download the investment application form

 


Bank of England Base Rate is 0.25% as at 4 August 2016.

Existing members are defined as those who have a mortgage with the Society or anyone who has had a savings account with the Society for over 6 months at the time of opening the account.

Gross: The interest rate paid with no income tax deducted.
AER: (Annual Equivalent Rate) A notional rate which illustrates what the gross rate would be if the interest was paid and compounded once each year.

Financial Services Compensation Scheme (FSCS) Information Sheet - find out more here

Your home may be repossessed if you do not keep up repayments on your mortgage.