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Savings and Investments

Investment Rates - Open Accounts

All rates are variable, unless otherwise stated.

Pension Plus Account (conditions apply)

Current rates effective 5 April 2009.

Amount Current Gross pa / AER % Current Net pa % Previous Gross pa / AER %
£500 - £1,000,000 1.45 1.16 1.85

60 Day Notice Account

Current rates effective 1 September 2011

Amount Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
£1 - £24,999 2.30 2.30 1.84 -
£25,000 - £1,000,000 2.50 2.50 2.00 -

120 Day Notice Account

Current rates effective 1 September 2011

Amount Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
£1 - £24,999 2.50 2.50 2.00 -
£25,000 - £1,000,000 2.75 2.75 2.20 -

Skipton Child Trust Fund Account

Current rates effective 5 April 2009.

Amount Current Gross pa / AER % Current Net pa % Previous Gross pa / AER %
  2.65 N/A 3.05

Serious Saver

Current rates effective 6 September 2011. (Including initial bonus interest rate)

Amount Current
Gross pa / AER %		 Current
Net pa %		 Previous
Gross pa / AER %
£5000 - £1,000,000 2.75 - -

Special Edition Regular Saver Account

Current rates effective 9 February 2012.

(This account requires no minimum monthly subscription and has a maximum monthly subscription of £250. Withdrawals are not permitted on the account for one full year from the date it is opened for one full year.

Amount Current Gross pa / AER % Current Net pa % Previous Gross pa / AER %
£0 - £250 (monthly subscriptions) 5.00 4.00 -

Junior Cash ISA

Current rates effective 1 November 2001.

Amount Current Gross pa / AER % Current Net pa % Previous Gross pa / AER %
£1 - £3,600 3.00 - -

1 Year Fixed Rate Cash ISA fixed until 15 February 2013

Current rates effective 15 November 2011.

Amount Current tax free pa AER% Current Net pa %
Annual Interest Option
£500 plus 2.75 2.75 n/a
Monthly Interest Option
£500 plus 2.72 2.75 n/a

2 Year Fixed Rate Cash ISA fixed until 15 February 2014

Current rates effective 15 November 2011.

Amount Current tax free pa AER % Current Net pa %
Annual Interest Option
£500 plus 3.15 3.15 n/a
Monthly Interest Option
£500 plus 3.11 3.15 n/a

3 Year Fixed Rate Cash ISA fixed until 15 February 2015

Current rates effective 15 November 2011.

Amount Current tax free pa AER % Current Net pa %
Annual Interest Option
£500 plus 3.50 3.50 n/a
Monthly Interest Option
£500 plus 3.45 3.50 n/a

5 Year Fixed Rate Cash ISA fixed until 15 February 2017

Current rates effective 15 November 2011.

Amount Current tax free pa AER % Current Net pa %
Annual Interest Option
£500 plus 3.75 3.75 n/a
Monthly Interest Option
£500 plus 3.69 3.75 n/a

Online Bonus Saver

Current rates effective 13 January 2012. (Including initial bonus interest rate)

Amount Current gross pa / AER% Current Net pa % Previous Gross pa / AER%
£1000 - £1,000,000 3.05 - -

Online Super Cash ISA

Current rates effective 25 January 2011.

Amount Current
tax free pa 		AER % Current
Net pa %
Annual Interest Option
up to £19,999 2.00% 2.00% n/a
£20,000 -  £49,999 2.75% 2.75% n/a
£50,000 plus 3.10% 3.10% n/a
Monthly Interest Option
up to £19,999 1.98% 2.00% n/a
£20,000 -  £49,999 2.72% 2.75% n/a
£50,000 plus 3.06% 3.10% n/a

Super Cash ISA

Current rates effective 18 January 2010.

Amount Current
tax free pa 		AER % Current
Net pa %
Annual Interest Option
up to £19,999 2.00% 2.00% n/a
£20,000 -  £49,999 2.75% 2.75% n/a
£50,000 plus 3.10% 3.10% n/a
Monthly Interest Option
up to £19,999 1.98% 2.00% n/a
£20,000 -  £49,999 2.72% 2.75% n/a
£50,000 plus 3.06% 3.10% n/a

My Savings - Online Account

Current rates effective 6 September 2011.

Amount Current
Gross pa %		 Current
AER %		 Current
Net pa %		 Previous
Gross pa / AER %
£1 - £1,000,000 2.50 2.50 2.00 2.25
Monthly Interest Option
£1 - £1,000,000 2.47 2.50 1.98 2.23

My Savings - Branch Account

Current rates effective 6 September 2011.

Amount Current
Gross pa %		 Current
AER %		 Current
Net pa %		 Previous
Gross pa / AER %
£1 - £1,000,000 2.25 2.25 1.80 -
Monthly Interest Option
£1 - £1,000,000 2.23 2.25 1.80 -

Regular Saver Fixed Rate Cash ISA

Current rates effective 17 January 2011.

Amount Current Gross pa / AER % Current Net pa % Previous Gross pa / AER %
£0 - £445 (monthly subscriptions) 3.25 n/a -

Review Account Issue 4

Current rates effective 16 August 2010

(This account is only available for three months to customers investing new monies and who are planning a financial review with a Skipton adviser. Conditions apply)

Amount Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
£1 - £1,000,000 2.00 1.40 1.60 -

Tracker Bond

Current rates effective 29 December 2011

Amount Current Gross pa % Current Net pa % Previous Gross pa / AER %
Rate tracks 2.70% above Bank of England Base Rate (Annual Interest Option)
£500 - £50,000 3.20% 2.56% -
Rate tracks 2.65% above Bank of England Base Rate (Monthly Interest Option)
£500 - £50,000 3.15% 2.52% -

Fixed Rate Bond - Fixed until 15 February 2013

Current rates effective 15 November 2011

Amount Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
Annual Interest Option
£50,000 plus 3.05% 3.05% 2.44% -
£25,000 - £49,999 2.95% 2.95% 2.36% -
£500 - £24,999 2.85% 2.85% 2.28% -
Monthly Interest Option
£50,000 plus 3.01% 3.05% 2.50% -
£25,000 - £49,999 2.91% 2.95% 2.33% -
£500 - £24,999 2.81% 2.85% 2.25% -

Fixed Rate Bond - Fixed until 15 February 2014

Current rates effective 15 November 2011

Amount Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
Annual Interest Option
£50,000 plus 3.20% 3.20% 2.44% -
£25,000 - £49,999 3.15% 3.15% 2.52% -
£500 - £24,999 3.05 3.05% 2.44% -
Monthly Interest Option
£50,000 plus 3.15% 3.20% 2.52% -
£25,000 - £49,999 3.11% 3.15% 2.49% -
£500 - £24,999 3.01% 3.05% 2.41% -

Fixed Rate Bond - Fixed until 15 February 2015

Current rates effective 15 November 2011

Amount Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
Annual Interest Option
£50,000 plus 3.45% 3.45% 2.76% -
£25,000 - £49,999 3.35% 3.35% 2.68% -
£500 - £24,999 3.25% 3.25% 2.60% -
Monthly Interest Option
£50,000 plus 3.40% 3.45% 2.72% -
£25,000 - £49,999 3.30% 3.35% 2.64% -
£500 - £24,999 3.20% 3.25% 2.56% -

Fixed Rate Bond - Fixed until 15 February 2017

Current rates effective 15 November 2011

Amount Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
Annual Interest Option
£50,000 plus 3.85% 3.85% 3.08% -
£25,000 - £49,999 3.75% 3.75% 3.00% -
£500 - £24,999 3.65% 3.65% 2.92% -
Monthly Interest Option
£50,000 plus 3.78% 3.85% 3.02% -
£25,000 - £49,999 3.69% 3.75% 2.95% -
£500 - £24,999 3.59% 3.65% 2.0687% -

These bonds are only available online

6 Month E-Bond

Current rates effective 9 August 2011

Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
Annual Interest Option
2.50 2.50 2.00 -
Monthly Interest Option
2.47 2.50 1.98 -

1 Year E-Bond

Current rates effective 1 December 2011

Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
Annual Interest Option
2.95 2.95 2.36 -
Monthly Interest Option
2.91 2.95 2.32 -

2 Year E-Bond

Current rates effective 1 December 2011

Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
Annual Interest Option
3.35 3.35 2.68 -
Monthly Interest Option
3.30 3.35 2.64 -

3 Year E-Bond

Current rates effective 1 December 2011

Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
Annual Interest Option
3.50 3.50 2.80 -
Monthly Interest Option
3.45 3.50 2.76 -

4 Year E-Bond

Current rates effective 1 December 2011

Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
Annual Interest Option
3.70 3.70 2.96 -
Monthly Interest Option
3.64 3.70 2.91 -

5 Year E-Bond

Current rates effective 30 December 2011

Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
Annual Interest Option
3.90 3.90 3.12 -
Monthly Interest Option
3.83 3.90 3.06 -

Loyalty Saver

Current rates effective 19 January 2011

Amount Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
£1 - £1,000,000 2.25 2.25 1.80 -

Online Loyalty Saver

Current rates effective 19 January 2011

Amount Current Gross pa % Current AER % Current Net pa % Previous Gross pa / AER %
£1 - £1,000,000 2.25 2.25 1.80 -

Maturity Account (252)

Current rates effective 15 July 2011.

Amount Current Gross pa / AER % Current Net pa % Previous Gross pa / AER %
£500 - £1,000,000 0.10 0.08 0.30

Maturity Account (932)

Current rates effective 18 January 2012.

Amount Current Gross pa / AER % Current Net pa % Previous Gross pa / AER %
£500 - £1,000,000 0.60 0.48 0.80

Maturity Bonus Account

Current rates effective 15 July 2011.

(Excluding initial bonus interest rate)

Amount Current Gross pa / AER % Current Net pa % Previous Gross pa / AER %
£500 - £1,000,000 1.30 1.04 1.50

Accounts open for customers of Base Rate Tracker Account (Issue 2) who reached the end of their rate guarantee on 01.01.06.

Maturity Notice Account (Annual)

Current rates effective 18 January 2012.

Amount Current Gross pa % / AER Current Net pa % Previous Gross pa / AER %
£50,000 - £1,000,000 0.20 0.16 0.40
£25,000 - £49,999 0.15 0.12 0.25
£500 - £24,999 0.10 0.08 0.15
£1 - £499 0.05 0.04 0.10

Maturity Notice Account (Monthly)

Current rates effective 15 July 2011.

Amount Current Gross pa/AER % Current Net pa % Previous Gross pa / AER %
£50,000 - £1,000,000 0.15 0.12 0.35
£25,000 - £49,999 0.05 0.04 0.05
£500 - £24,999 0.05 0.04 0.05

Your tax treatment will depend on your individual circumstances and may be subject to change in future.

Internet & High Interest Savings Accounts UK

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Call us
0845 603 4735†
†8am to 8pm Monday to Thursday
8am to 5:30pm Friday
9am to 12pm Saturday

Or for Financial Advice call Skipton Financial Services on 0800 137 832*.

 

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Gross means the interest paid before the deduction of income tax at 20%. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.