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Childrens Accounts

Interest Rates and Key Features

Rates correct as at 17 May 2013
Limited issue rates effective from date shown by product name.

Our Affinity Accounts benefit clubs financially through an annual donation.

Click on the full details icon to see the full details of the account.

Young Investor 5 Year Fixed Rate Bond (Issue 8)
Investment	% Gross§ p.a. /AER† (Fixed)	Withdrawal Terms	Payment of Interest
£100+	2.35	All Account holders - Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (1 July 2018) subject to the minimum balance of £100 being maintained. Closure of the account or further withdrawals are not permitted until the day after maturity (2 July 2018). Account holders aged 12 to 17 - In addition to the withdrawal restrictions applicable to all account holders, one withdrawal a week of up to £250 may be made and must be signed for by the account holder, subject to the minimum operating balance of £100 being maintained. Withdrawals over £250 and additional withdrawals in a week must be signed for by both the account holder and the authorised signatory. Access is limited to withdrawals of up to 25% of your capital investment as detailed above. Account holders under 12 - In addition to the withdrawal restrictions applicable to all account holders, all withdrawals must be signed for by the authorised signatory.	Annual: Interest is paid annually on 1 July (commencing 1 July 2014) and on maturity (1 July 2018).
Minimum investment and operating balance is £100 and the maximum investment and operating balance is £1,000,000 (£2,000,000 for joint accounts) plus accrued interest credited to the account. In the event that the balance falls below the minimum operating balance, the basic investment rate of interest which is currently 0.05% Gross p.a.§/AER† (variable) shall apply. Age Qualification: 0-17 years old to open the account.

Dinosaver
Investment	% Gross§ p.a./AER† (variable)	Withdrawal Terms	Payment of Interest
£10+	Current Previous 1.50 1.75	Withdrawals must be made by the authorised signatory. Unlimited withdrawals can be made as long as the £10 minimum operating balance is maintained.	Annual: Interest is paid annually on 1 January.
Minimum investment and operating balance is £10. Maximum investment and operating balance is £1,000,000. Age Qualification: 0-11 years old inclusive to open an account. At 12 years old, your DinoSaver account will automatically change to the 12-17 year old account available at the time.

The Vault
Investment	% Gross§ p.a./AER† (variable)	Withdrawal Terms	Payment of Interest
£10+	Current Previous 1.50 1.75	One withdrawal per week of up to £250 may be made by the account holder. Withdrawals over £250 and additional withdrawals in a week must be signed by both the account holder and the authorised signatory.	Annual: Interest is paid annually on 1 January.
Minimum investment and operating balance is £10. The maximum investment and operating balance is £1,000,000. Age Qualification: 12-17 years old inclusive to open an account. On your 18th birthday, we will transfer your account, including interest, to the Loyalty I-Save account.

Ronnie the Rhino (YoungSaver)
Investment	% Gross§ p.a./AER† (variable)	Withdrawal Terms	Payment of Interest
£10+	Current Previous 1.50 1.75	Account holders aged 12 to 17 - One withdrawal a week of between £10 and £250 may be made and must be signed for by the account holder, subject to the minimum operating balance of £10 being maintained. Withdrawals over £250 and additional withdrawals in a week must be signed for by both the account holder and the authorised signatory. Account holders under 12 - Unlimited withdrawals of £10 and over may be made without notice or loss of interest, subject to the minimum operating balance of £10 being maintained. All withdrawals must be signed for by the authorised signatory.	Annual: Interest is paid annually on 30 June.
Minimum investment and operating balance is £10. Maximum investment and operating balance is £1,000,000. Ronnie the Rhino YoungSaver is available to Leeds Rhinos & Leeds Tykes Supporters under the age of 17. At 18, your account will automatically be transferred into our Blue & Amber account.

Junior Rovers (YoungSaver)
Investment	% Gross§ p.a./AER† (variable)	Withdrawal Terms	Payment of Interest
£10+	Current Previous 1.50 1.75	Account holders aged 12 to 17 - One withdrawal a week of between £10 and £250 may be made and must be signed for by the account holder, subject to the minimum operating balance of £10 being maintained. Withdrawals over £250 and additional withdrawals in a week must be signed for by both the account holder and the authorised signatory. Account holders aged under 12 - Unlimited withdrawals of £10 and over are permitted without notice or loss of interest, subject to the minimum operating balance of £10 being maintained. All withdrawals must be signed for by the authorised signatory	Annual: Interest is paid annually on 30 June.
Minimum investment and operating balance is £10. Maximum investment and operating balance is £1,000,000. Junior Rovers YoungSaver is available to Doncaster Rovers Supporters under the age of 17. At 18, your account will automatically be transferred into our Donny Rovers Saver account.

Junior Bantams (YoungSaver)
Investment	% Gross§ p.a./AER† (variable)	Withdrawal Terms	Payment of Interest
£10+	Current Previous 1.50 -	Account holders aged 12 to 17 - One withdrawal a week of between £10 and £250 may be made subject to the minimum operating balance of £10 being maintained. Withdrawals over £250 and additional withdrawals in a week must be signed for by both the account holder and the authorised signatory. Account holders under 12 - Unlimited withdrawals of £10 and over are permitted without notice or loss of interest, subject to the minimum operating balance of £10 being maintained. All withdrawals must be signed for by the authorised signatory.	Annual: Interest is paid annually on 30 June.
Minimum investment and operating balance is £10. Maximum investment and operating balance is £1,000,000. Junior Bantams YoungSaver is available to Bradford City Football Club Supporters under the age of 17. At 18, your account will automatically be transferred into our Bantams account.

Junior Vikings (YoungSaver)
Investment	% Gross§ p.a./AER† (variable)	Withdrawal Terms	Payment of Interest
£10+	Current Previous 1.50 1.75	Account holders aged 12 to 17 - One withdrawal a week of between £10 and £250 may be made and must be signed for by the account holder, subject to the minimum operating balance of £10 being maintained. Withdrawals over £250 and additional withdrawals in a week must be signed for by both the account holder and the authorised signatory. Account holders under 12 - Unlimited withdrawals of £10 and over are permitted without notice or loss of interest, subject to the minimum operating balance of £10 being maintained. All withdrawals must be signed for by the authorised signatory.	Annual: Interest is paid annually on 1 March.
Minimum investment and operating balance is £10. Maximum investment and operating balance is £1,000,000.

§ Gross means the rate of interest payable before the deduction of income tax at the rate specified by law. † AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.