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These accounts are available for the reinvestment of maturities from specific Family Building Society or National Counties savings bonds and ISAs. The reinvestment account(s) relevant to your maturing savings bond or ISA will be specified in your maturity letter. 

 

Reinvestment accounts for savings bonds

Account

 Balance

Gross

Gross AER#
9 Month Fixed Rate Bond (1)
Annual interest
(Rates effective from 16 September 2019)

Monthly interest
(Rates effective from 16 September 2019)
£10,000+
£1,000+

£10.000+
£5,000+ 
1.96%
1.76%

1.95%
1.75% 
1.96%
1.76%

1.97%
1.76% 
1 Year Fixed Rate Bond (5)
Annual interest
(Rates effective from 1 August 2017)

Monthly interest
(Rates effective from 1 August 2017)
£10,000+
£1,000+

£10,000+
£5,000+
1.76%
1.56%

1.75%
1.55%
1.76%
1.56%

1.76%
1.56%
1 Year Fixed Rate Bond (6)
 Annual interest
(Rates effective from 29 July 2018)

Monthly interest
(Rates effective from 29 July 2018) 
£10,000+
£1,000+ 

£10,000+
£5,000+
1.89%
1.69%

1.87%
1.68%
1.89%
1.69%

1.89%
1.69%
1 Year Fixed Rate Bond (7)
 Annual interest
(Rate effective from 9 August 2018)

Monthly interest
(Rate effective from 9 August 2018) 



£20,000+


£20,000+



2.11%


2.09%



2.11%


2.11%
1 Year Fixed Rate Bond (8)
Annual interest
(Rates effective from 1 October 2018)

Monthly interest 
(Rates effective from 1 October 2018)		 £10,000+
£1,000+

£10,000+ 
£5,000+ 		1.89%
1.69%

1.87%
1.68%		 1.89%
1.69%

1.89%
1.69%
1 Year Fixed Rate Bond (9)
Annual interest
(Rates effective from 25 January 2019)

Monthly interest 
(Rates effective from 25 January 2019) 
£10,000+
£1,000+

£10,000+
£5,000+		  
1.99%
1.79%

1.97%
1.78%
1.99%
1.79%

1.99%
1.79%
1 Year Fixed Rate Bond (10)
Annual interest
(Rates effective from 1 June 2019)

Monthly interest
(Rates effective from 1 June 2019)            
£10,000+
£1,000+

£10,000+
£5,000+
1.79%
1.59%

1.78%
1.58%           
1.79%
1.59%

1.79%
1.59%        
1 Year Fixed Rate Bond (11)*
 Annual interest
(Rates effective from 1 November 2019)

Monthly interest
(Rates effective from 1 November 2019)		 £10,000+
£1,000+

£10,000+
£5,000+		 1.64%
1.44%

1.63%
1.43%		 1.64%
1.44%

1.64%
1.44% 
 1 Year Fixed Rate Bond (12)*
Annual interest
(Rates effective from 1 January 2020)

Monthly interest
(Rates effective from 1 January 2020)
£10,000+
£1,000+

£10,000+
£5,000+
1.49%
1.29%

1.48%
1.28%		  
1.49%
1.29%

1.49%
1.29%
18 Month Fixed Rate Bond (1)
Annual interest
(Rates effective from 1 October 2016)

Monthly interest 
(Rates effective from 1 October 2016)
£10,000+ 
£1,000+

£10,000+ 
£5,000+
1.31%
1.11%

1.30%
1.10%

1.31%
1.11%

1.31%
1.10%
 
18 Month Fixed Rate Bond (6)
Annual interest
(Rate effective from 1 April 2018)

Monthly interest 
(Rate effective from 1 April 2018)
£10,000+
£1,000+

£10,000+ 
£5,000+


1.81%
1.61%

1.80% 
1.60%
1.81%
1.61%

1.81% 
1.61%
18 Month Fixed Rate Bond (7)
Annual interest
(Rates effective from 29 July 2018)

Monthly interest
(Rates effective from 29 July 2018)
£10,000+
£1,000+

£10,000+ 
£5,000+
1.94%
1.74%

1.92% 
1.73%
1.94%
1.74%

1.94% 
1.74%

18 Month Fixed Rate Bond (8)
Annual interest
(Rates effective from 1 October 2018)

Monthly interest
(Rates effective from 1 October 2018)
£10,000+
£1,000+

£10,000+ 
£5,000+		            

1.94% 
1.74%

1.92% 
1.73%

            

1.94%
1.74%

1.94% 
1.74%
20 Month Fixed Rate Bond (1)
Annual interest
(Rates effective from 29 July 2018)

Monthly interest
(Rates effective from 29 July 2018)
£10,000+ 
£1,000+

£10,000+
£5,000+
1.96%
1.76%

1.94%
1.75%
1.96%
1.76%

1.96%
1.76%
2 Year Fixed Rate Bond (2)
Annual interest
(Rates effective from 1 April 2017)

Monthly interest 
(Rates effective from 1 April 2017)
£10,000+ 
£1,000+

£10,000+
£5,000+
1.45%
1.25%

1.44%
1.24%
1.45%
1.25%

1.45%
1.25%
2 Year Fixed Rate Bond (3)
Annual interest
(Rates effective from 1 April 2017)

Monthly interest 
(Rates effective from 1 April 2017)
£10,000+
£1,000+

£10,000+
£5,000+
1.66%
1.46%

1.65%
1.45%
1.66%
1.46%

1.66%
1.46%
2 Year Fixed Rate Bond (4)
Annual interest
(Rates effective from 1 July 2017)

Monthly interest
(Rates effective from 1 July 2017)
£10,000+
£1,000+

£10,000+ 
£5,000+
1.76%
1.56%

1.75%
1.55% 
1.76%
1.56%

1.76%
1.56%
2 Year Fixed Rate Bond (5)
 Annual interest
(Rates effective from 1 August 2017)

Monthly interest
(Rates effective from 1 August 2017)
£10,000+
£1,000+

£10,000+
£5,000+
1.86%
1.66%

1.84%
1.65% 
1.86%
1.66%

1.86%
1.66% 
2 Year Fixed Rate Bond (6)
Annual interest
(Rates effective from 29 July 2018)

Monthly interest
(Rates effective from 29 July 2018)
£10,000+
£1,000+

£10,000+
£5,000+
1.99%
1.79%

1.97%
1.78%
1.99%
1.79%

1.99%
1.79% 
2 Year Fixed Rate Bond (7)
Annual interest 
(Rates effective from 1 October 2018)

Monthly interest 
(Rates effective from 1 October 2018)
£10,000+
£1,000+

£10,000+
£5,000+
1.99%
1.79%

1.97%
1.78%
1.99%
1.79%

1.99%
1.79%
2 Year Fixed Rate Bond (8)
Annual interest
(Rates effective from 25 January 2019)

Monthly interest 
(Rates effective from 25 January 2019)
£10,000+
£1,000+

£10,000+
£5,000+
2.09%
1.89%

2.07%
1.87%
2.09%
1.89%

2.09%
1.89%
2 Year Fixed Rate Bond (9)
Annual interest
(Rates effective from 1 June 2019)

Monthly interest
(Rates effective from 1 June 2019)		  £10,000+
£1,000+

£10,000+
£5,000+		 1.89%
1.69%

1.87%
1.68%		 1.89%
1.69%

1.89%
1.69%
2 Year Fixed Rate Bond (10)*
 Annual interest
(Rates effective from 1 November 2019)

Monthly interest
(Rates effective from 1 November 2019)
£10,000+
£1,000+

£10,000+
£5,000+
1.74%
1.54%

1.73%
1.53%
1.74%
1.54%

1.74%
1.54% 
2 Year Fixed Rate Bond (11)*
Annual interest
(Rates effective from 1 January 2020)

Monthly interest
(Rates effective from 1 January 2020) 
£10,000+
£1,000+

£10,000+
£5,000+
1.59%
1.39%

1.58%
1.38% 
1.59%
1.39%

1.59%
1.39%

3 Year Fixed Rate Bond (1)
 Annual interest
(Rates effective from 1 February 2017)

Monthly interest 
(Rates effective from 1 February 2017)
£10,000+ 
£1,000+

£10,000+
£5,000+
1.26%
1.16%

1.25%
1.15%
1.26%
1.16%

1.26%
1.16%
3 Year Fixed Rate Bond (2)
 Annual interest
(Rate effective from 1 July 2017)

Monthly interest
(Rate effective from 1 July 2017)

£10,000+


£10,000+

1.86%


1.84%

1.86%


1.86%
3 Year Fixed Rate Bond (3)
 Annual interest
(Rate effective from 1 August 2017)

Monthly interest
(Rate effective from 1 August 2017)

£10,000+


£10,000+

1.96%


1.94%

1.96%


1.96% 

3 Year Fixed Rate Bond (4)
Annual interest
(Rate effective from 29 July 2018)

Monthly interest
(Rate effective from 29 July 2018)

£10,000+
 

£10,000+

2.09%


2.07%

2.09%
 

 2.09%
3 Year Fixed Rate Bond (5) 
Annual interest 
(Rate effective from 1 October 2018) 

Monthly interest 
(Rate effective from 1 October 2018)

£10,000+


£10,000+

2.09%


2.07%

2.09%


2.09%

3 Year Fixed Rate Bond (6)
Annual interest
(Rates effective from 1 November 2018)

Monthly interest
(Rates effective from 1 November 2018)

            

£10,000+
£1,000+ 

£10,000+
£5,000+

            

2.09%
1.89%

2.07%
1.87%
2.09%
1.89%

2.09%
1.89%
3 Year Fixed Rate Bond (7)
Annual interest
(Rates effective from 1 January 2019)

Monthly interest
(Rates effective from 1 January 2019)
 
£10,000+
£1,000+

£10,000+
£5,000+
2.19%
1.99%

2.17%
1.97%
2.19%
1.99%

2.19%
1.99%
3 Year Fixed Rate Bond (8)
Annual interest
(Rates effective from 25 January 2019)

Monthly interest
(Rates effective from 25 January 2019)
£10,000+ 
£1,000+

£10,000+
£5,000+
2.29%
2.09%

2.27%
2.07%
2.29%
2.09%

2.29%
2.09%
3 Year Fixed Rate Bond (9)
Annual interest
(Rates effective from 1 June 2019)

Monthly interest
(Rates effective from 1 June 2019)
£10,000+
£1,000+

£10,000+
£5,000+
2.09%
1.89%

2.07%
1.87%
2.09%
1.89%

2.09%
1.89%
3 Year Fixed Rate Bond (10)
Annual interest
(Rates effective from 1 October 2019)

Monthly interest
(Rates effective from 1 October 2019)		 £10,000+
£1,000+

£10,000+
£5,000+		 1.99%
1.79%

1.97%
1.78%		 1.99%
1.79%

1.99%
1.79%
3 Year Fixed Rate Bond (11)*
 Annual interest
(Rates effective from 1 November 2019)

Monthly interest
(Rates effective from 1 November 2019)		 £10,000+
£1,000+

£10,000+
£5,000+		 1.94%
1.74%

1.92%
1.73%		 1.94%
1.74%

1.94%
1.74% 

3 Year Fixed Rate Bond (12)*
Annual interest
(Rates effective from 1 December 2019)

 

Monthly interest
(Rates effective from 1 December 2019)

 

£10,000+
£1,000+

 

£10,000+
£5,000+

 

1.89%
1.69%

 

1.87%
1.68%

 

1.89%
1.69%

 

1.89%
1.69%

3 Year Fixed Rate Bond (13)* 
Annual interest
(Rates effective from 1 January 2020)

Monthly interest
(Rates effective from 1 January 2020)


£10,000+
£1,000+

£10,000+
£5,000+


1.69%
1.49%

1.68%
1.48%


1.69%
1.49%

1.69%
1.49%
5 Year Fixed Rate Bond (1)
 Annual interest
(Rates effective from 1 November 2018)

Monthly interest
(Rates effective from 1 November 2018)		 £10,000+ 
£1,000+

£10,000+
£5,000+		 2.29%
2.09%

2.27%
2.07%		 2.29%
2.09%

2.29%
2.09%
5 Year Fixed Rate Bond (2)
Annual interest
(Rates effective from 25 January 2019)

Monthly interest
(Rates effective from 25 January 2019)          
£10,000+
£1,000+

£10,000+
£5,000+
2.39%
2.19%

2.36%
2.17%
2.39%
2.19%

2.39%
2.19%
5 Year Fixed Rate Bond (3)
Annual interest
(Rates effective from 1 June 2019)

Monthly interest
(Rates effective from 1 June 2019)
£10,000+
£1,000+

£10,000+
£5,000+
2.19%
1.99%

2.17%
1.97%
2.19%
1.99%

2.19%
1.99%
5 Year Fixed Rate Bond (4)
Annual interest
(Rates effective from 1 October 2019)

Monthly interest
(Rates effective from 1 October 2019)		 £10,000+
£1,000+

£10,000+
£5,000+		 2.09%
1.89%

2.07%
1.87%		 2.09%
1.89%

2.09%
1.89%
5 Year Fixed Rate Bond (5)~
 Annual interest
(Rates effective from 1 November 2019)

Monthly interest
(Rates effective from 1 November 2019)		 £10,000+
£1,000+

£10,000+
£5,000+		 2.04%
1.84%

2.02%
1.82%		 2.04%
1.84%

2.04%
1.84% 

5 Year Fixed rate Bond (6)~
Annual interest
(Rates effective from 1 December 2019)

 

Annual interest
(Rates effective from 1 December 2019)
£10,000+
£1,000+

£10,000+
£5,000+


1.99%
1.79%

1.97%
1.78%

 

1.99%
1.79%

1.99%
1.79%

5 Year Fixed Rate Bond (7)*
Annual interest 
(Rates effective from 1 January 2020)

Monthly interest 
(Rates effective from 1 January 2020) 

 £10,000+
£1,000+

£10,000+
£5,000+


1.79%
1.59%

1.78%
1.58%


1.79%
1.59%

1.79%
1.59%

2 Year Tracker Rate Bond (1)
 Annual interest
(Rate effective from 1 September 2018)

Monthly interest
(Rate effective from 1 September 2018)

  £5,000+


£5,000+		  2.31%


2.29%		  2.31%


2.31%
2 Year Tracker Rate Bond (2)
Annual interest
(Rate effective from 1 September 2018)

Monthly interest
(Rate effective from 1 September 2018)

£5,000+


£5,000+

2.17%


2.15%

2.17%


2.17%
2 Year Tracker Rate Bond (3)
Annual interest
(Rate effective from 14 September 2018)

Monthly interest
(Rate effective from 14 September 2018)

£5,000+


£5,000+

1.97%


1.95%

1.97%


1.97%
2 Year Tracker Rate Bond (4)
Annual interest
(Rates effective from 1 June 2019)

Monthly interest
(Rates effective from 1 June 2019)

£5,000+


£5,000+

1.87%


1.85%

1.87%


1.87%
2 Year Tracker Rate Bond (5)~
 Annual interest
(Rates effective from 1 November 2019)

Monthly interest
(Rates effective from 1 November 2019)		  
£5,000+


£5,000+		 1.72%


1.71%		  1.72%


1.72%
2 Year Tracker Rate Bond (6)*
Annual interest
(Rates effective from 1 January 2020)

Monthly interest
(Rates effective from 1 January 2020) 		 £5,000+


£5,000+
 1.57%


1.56%
 1.57%


1.57%
3 Year Tracker Rate Bond (1)
Annual interest
(Rate effective 29 November 2018)

Monthly interest
(Rate effective 29 November 2018)

£5,000+


£5,000+

2.07%


2.05%

2.07%


2.07%
3 Year Tracker Rate Bond (2)
Annual interest
(Rate effective from 1 June 2019)

Monthly interest
(Rate effective from 1 June 2019)

£5,000+


£5,000+

1.97%


1.95%

1.97%


1.97%
3 Year Tracker Rate Bond (3)~
Annual interest
(Rate effective from 1 November 2019)

Monthly interest
(Rate effective from 1 November 2019)		  

£5,000+


£5,000+

1.92%


1.90%		  

1.92%


1.92%

3 Year Tracker Rate Bond (4)~
Annual interest
(Rate effective from 1 December 2019


Monthly interest 
(Rate effective from 1 December 2019)



£5,000+


£5,000+

1.87%


1.85%



1.87%


1.87%

3 Year Tracker Rate Bond (5)*
Annual interest 
(Rate effective from 1 January 2020)

Monthly interest 
(Rate effective from 1 January 2020)

 £5,000+


£5,000+
 1.67%


1.66%
 1.67%


1.67%
5 Year Tracker Rate Bond (1)
Annual interest
(Rate effective from 1 September 2018)

Monthly interest
(Rate effective from 1 September 2018)

£5,000+


£5,000+

2.37%


2.35%

2.37%


2.37%
5 Year Tracker Rate Bond (2)
Annual interest
(Rate effective from 14 September 2018)

Monthly interest
(Rate effective from 14 September 2018)		 £5,000+

           
£5,000+		 2.17%


2.15%		 2.17%


2.17%
5 Year Tracker Rate Bond (3)
Annual interest
(Rate effective from 1 June 2019)

Monthly interest
(Rate effective from 1 June 2019)

£5,000+


£5,000+

2.07%


2.05%

 2.07%


2.05%
5 Year Tracker Rate Bond (4)~
 Annual interest
(Rate effective from 1 November 2019)

Monthly interest
(Rate effective from 1 November 2019)		  

£5,000+


£5,000+		  

2.02%


2.00%		  

2.02%


2.02%
5 Year Tracker Rate Bond (5)~
Annual interest
(Rate effective from 1 December 2019)

Monthly interest
(Rate effective from 1 December 2019)

 

£5,000+

 

£5,000+

 

1.97%

 

1.95%

 

1.97%

 

1.97%
5 Year Tracker Rate Bond (6)*
Annual interest
(Rate effective from 1 January 2020)

Monthly interest
(Rate effective from 1 January 2020)

 

£5,000+

 

£5,000+

 

1.77%

 

1.76%

 

1.77%

 

1.77%

Reinvestment accounts for ISAs

Account

Balance

Gross

Tax-free^ AER# 
1 Year Fixed Rate Cash ISA (3)^
Annual interest
(Rate effective from 1 September 2017)

£1,000+

1.13%

1.13%
1 Year Fixed Rate Cash ISA (4)^
Annual interest
(Rate effective from 1 April 2018) 

£1,000+ 

1.30%

1.30%
1 Year Fixed Rate Cash ISA (5)^
Annual interest
(Rate effective from 18 May 2018)  

£1,000+

1.40%

1.40%
1 Year Fixed Rate Cash ISA (6)^
Annual interest
(Rate effective from 1 April 2019)  

£1,000+

1.61%

1.61%
1 Year Fixed Rate Cash ISA (7)^
Annual interest
(Rate effective from 1 June 2019)

£1,000+

1.51%

1.51%

1 Year Fixed Rate Cash ISA (8)^
Annual interest
(Rate effective from 30 August 2019)

 £1,000+ 1.45% 1.45%
1 Year Fixed Rate Cash ISA (9)^o
Annual interest
(Rate effective from 1 November 2019)		 £1,000+ 1.35% 1.35%
1 Year Fixed Rate Cash ISA (10)^o
Annual interest 
(Rate effective from 1 January 2020)
 £1,000+
 1.30%
 1.30%

2 Year Fixed Rate Cash ISA (1)^ 
Annual interest
(Rate effective from 13 December 2017)

 £1,000+ 1.33% 1.33%
2 Year Fixed Rate Cash ISA (2)^ 
Annual interest
(Rate effective from 1 April 2018) 		 £1,000+ 1.40% 1.40%
2 Year Fixed Rate Cash ISA (3)^
Annual interest
(Rate effective from 18 May 2018) 		 £1,000+ 1.50% 1.50%
2 Year Fixed Rate Cash ISA (4)^
Annual interest
(Rate effective from 1 April 2019) 		 £1,000+ 1.71% 1.71%
2 Year Fixed Rate Cash ISA (5)^
Annual interest
(Rate effective from 1 August 2019)		 £1,000+ 1.61% 1.61%
2 Year Fixed Rate Cash ISA (6)^o
 Annual interest
(Rate effective from 1 November 2019)		 £1,000+ 1.51%  1.51%
2 Year Fixed Rate Cash ISA (7)^o
Annual interest
(Rate effective from 1 January 2020) 		 £1,000+
 1.36%  1.36% 
3 Year Fixed Rate Cash ISA (1)^
Annual interest
(Rate effective from 1 October 2018) 		 £1,000+ 1.60% 1.60%
3 Year Fixed Rate Cash ISA (2)^
Annual interest
(Rate effective from 1 April 2019) 		 £1,000+ 1.81%  1.81%
3 Year Fixed Rate Cash ISA (3)^
Annual interest
(Rate effective from 1 June 2019)		 £1,000+ 1.71% 1.71%
3 Year Fixed Rate Cash ISA (4)^o
 Annual interest
(Rate effective from 1 November 2019)		 £1,000+ 1.61%  1.61%
3 Year Fixed Rate Cash ISA (5)^o
Annual interest
(Rate effective from 1 January 2020)
 £1,000+
 1.46% 
 1.46%
5 Year Fixed Rate Cash ISA (1)^
Annual interest
(Rate effective from 1 April 2018) 		£1,000+ 2.00% 2.00%

5 Year Fixed Rate Cash ISA (2)^
Annual interest
(Rate effective from 1 May 2018)

 £1,000+ 2.10% 2.10%
5 Year Fixed Rate Cash ISA (3)^
Annual interest
(Rate effective from 1 June 2019)		 £1,000+ 2.00% 2.00%
5 Year Fixed Rate Cash ISA (4)^~
Annual interest
(Rate effective from 1 November 2019)		 £1,000+ 1.80%  1.80%

5 Year Fixed Rate Cash ISA (5)^~ 
Annual interest
(Rate effective from 1 December 2019

 £1,000+  1.75% 1.75%
5 Year Fixed Rate Cash ISA (6)^o 
Annual interest 
(Rate effective from 1 January 2020)
 £1,000+
 1.60%
 1.60%












# AER stands for Annual Equivalent Rate and illustrates what the annual rate would be if interest was compounded.
* Exclusively available for all existing savings customers as at 31 December 2019.
~ This account is also available to new and existing customers.   
^ Interest is paid tax-free as it is currently exempt from income tax. The future tax treatment of Individual Savings Accounts may vary.
o Exclusively available for all existing ISA customers with an open ISA as at 31 December 2019.

  

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Ebbisham House
30 Church Street
Epsom
Surrey KT17 4NL
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