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ISA Tax-Free Accounts

Interest Rates and Key Features

Current rates correct as at 7 June 2013

Save tax-free with a range of Individual Savings Accounts (ISAs).

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

Online ISA
Investment	Tax-free§ p.a. /AER†% (variable)	Withdrawal Terms	Payment of Interest
£10+	Current Previous 1.30 1.55	Unlimited withdrawals/transfers can be made to your Nominated Account by automated payment without notice or loss of interest.	Annual: Interest is paid annually on 5 April.
Minimum subscription and operating balance £10 and the maximum subscription and operating balance £5,760 in the 2013/14 tax year plus previous years' subscriptions whether held with the Society or another ISA provider, plus accrued interest credited to the account.

1 Year Fixed Rate ISA (Issue 48)
Investment	Tax-free§ p.a./AER†% (Fixed)	Withdrawal Terms	Payment of Interest
£1+	1.60	Withdrawals/transfers can be made of up to 25% of your capital investment prior to maturity (31 July 2014) without notice or loss of interest. If you exceed this limit, the account will be subject to 90 days loss of interest or an equivalent amount on the amount withdrawn/transferred.	Annual: Interest is paid on maturity (31 July 2014). Interest can either be credited to the account or transferred either to another building society/bank account or to another account held with the Society.
The minimum subscription and operating balance is £1 and the maximum subscription is £5,760 in 2013/14 tax year plus previous years' subscriptions, whether held with the Society or another ISA manager, plus accrued interest credited to the account. Further subscriptions in future tax years are not permitted.

2 Year Fixed Rate ISA (Issue 44)
Investment	Tax-free§ p.a./AER†% (Fixed)	Withdrawal Terms	Payment of Interest
£1+	1.75	Withdrawals/transfers can be made of up to 25% of your capital investment prior to maturity (2 August 2015) without notice or loss of interest. If you exceed this limit, the account will be subject to 120 days loss of interest or an equivalent amount on the amount withdrawn/transferred.	Annual: Interest is paid annually on 2 August (commencing 2 August 2014) and on maturity (2 August 2015). Interest can either be credited to the account or transferred either to another building society/bank account or to another account held with the Society.
The minimum subscription and operating balance is £1 and the maximum subscription is £5,760 in 2013/14 tax year plus previous years' subscriptions, whether held with the Society or another ISA manager, plus accrued interest credited to the account. Further subscriptions in future tax years are not permitted.

5 Year Fixed Rate ISA (Issue 34)
Investment	Tax-free§ p.a./AER†% (Fixed)	Withdrawal Terms	Payment of Interest
£1+	2.05	Withdrawals/transfers can be made of up to 25% of your capital investment prior to maturity (31 July 2018) without notice or loss of interest. If you exceed this limit, the account will be subject to 180 days loss of interest or an equivalent amount on the amount withdrawn/transferred.	Annual: Interest is paid annually on 31 July (commencing 31 July 2014) and on maturity (31 July 2018). Interest can either be credited to the account or transferred either to another building society/bank account or to another account held with the Society.
The minimum subscription and operating balance is £1 and the maximum subscription is £5,760 in 2013/14 tax year plus previous years' subscriptions, whether held with the Society or another ISA manager, plus accrued interest credited to the account. Further subscriptions in future tax years are not permitted.

2 Year Base Rate Tracker ISA (Issue 14)
Investment	Tax-free§ p.a. /AER†% (Variable)	Withdrawal Terms	Payment of Interest
£1+	2.05 Tracks the Bank of England Base Rate (currently 0.50%) plus 1.55% (fixed) until 2 August 2015.	Withdrawals/transfers can be made of up to 25% of your capital investment without notice or loss of interest prior to maturity (2 August 2015). If you exceed this limit, the account will be subject to 120 days loss of interest or an equivalent amount on the amount withdrawn/transferred.	Annual: Interest is paid annually on 2 August (commencing 2 August 2014) and on maturity (2 August 2015). Interest can either be credited to the account or transferred either to another building society/bank account or to another account held with the Society.
Minimum subscription and operating balance £1 and the maximum subscription and operating balance £5,760 in the 2013/14 tax year plus previous years' subscriptions whether held with the Society or another ISA provider, plus accrued interest credited to the account.

Loyalty ISA - Existing members only (Includes account formerly known as Loyalty TESSA Only ISA)
Investment	Tax-free§ p.a. /AER†% (variable)	Withdrawal Terms	Payment of Interest
£1+	Current Previous 1.50 1.75	Unlimited withdrawals can be made without notice or loss of interest, subject to the minimum operating balance of £1 being maintained.	Annual: Interest is paid annually on 5 April.
Minimum subscription and operating balance £1 and the maximum subscription and operating balance £5,760 in the 2013/14 tax year plus previous years' subscriptions whether held with the Society or another ISA provider, plus accrued interest credited to the account.

Instant ISA (Includes account formerly known as TESSA Only ISA)
Investment	Tax-free§ p.a. /AER†% (variable)	Withdrawal Terms	Payment of Interest
£1+	Current Previous 1.30 1.55	Unlimited withdrawals can be made without notice or loss of interest, subject to the minimum operating balance of £1 being maintained.	Annual: Interest is paid annually on 5 April.
Minimum subscription and operating balance £1 and the maximum subscription and operating balance £5,760 in the 2013/14 tax year plus previous years' subscriptions whether held with the Society or another ISA provider, plus accrued interest credited to the account.

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