The Tipton & Coseley Building Society

Closed issue rates

Interest rates for our closed issue savings accounts.

Postal savings accounts

Premier 30 - Issue 6
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the inception of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	3.00	3.00	2.40	n/a	n/a
^{£25,000 - £49,999}	2.90	2.90	2.32	n/a	n/a
^{£10,000 - £24,999}	2.80	2.80	2.24	n/a	n/a
^{Rates are variable and are effective from 4 January 2011}

Premier 30 - Issue 7
^{These rates include a 1.80% (fixed) bonus for the first twelve months following the inception of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	3.25	3.25	2.60	n/a	n/a
^{£25,000 - £49,999}	3.15	3.15	2.52	n/a	n/a
^{£10,000 - £24,999}	3.05	3.05	2.44	n/a	n/a
^{Rates are variable and are effective from 13 June 2011}

Premier 30 - Issue 8
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the inception of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	3.00	3.00	2.40	n/a	n/a
^{£25,000 - £49,999}	2.90	2.90	2.32	n/a	n/a
^{£10,000 - £24,999}	2.80	2.80	2.24	n/a	n/a
^{Rates are variable and are effective from 16 December 2011}

Premier 30 - Issue 1a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	3.00	3.00	2.40	n/a	n/a
^{£25,000 - £49,999}	2.90	2.90	2.32	n/a	n/a
^{£10,000 - £24,999}	2.80	2.80	2.24	n/a	n/a
^{Rates are variable and are effective from 8 February 2011}

Premier 30 - Issue 2a
^{These rates include a 1.30% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.75	2.75	2.20	n/a	n/a
^{£25,000 - £49,999}	2.65	2.65	2.12	n/a	n/a
^{£10,000 - £24,999}	2.55	2.55	2.04	n/a	n/a
^{Rates are variable and are effective from 12 May 2011}

Premier 30 - Issue 3a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	3.00	3.00	2.40	n/a	n/a
^{£25,000 - £49,999}	2.90	2.90	2.32	n/a	n/a
^{£10,000 - £24,999}	2.80	2.80	2.24	n/a	n/a
^{Rates are variable and are effective from 22 June 2011}

Premier 30 - Issue 4a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	3.00	3.00	2.40	n/a	n/a
^{£25,000 - £49,999}	2.90	2.90	2.32	n/a	n/a
^{£10,000 - £24,999}	2.80	2.80	2.24	n/a	n/a
^{Rates are variable and are effective from 5 August 2011}

Premier 30 - Issue 5a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	3.00	3.00	2.40	n/a	n/a
^{£25,000 - £49,999}	2.90	2.90	2.32	n/a	n/a
^{£10,000 - £24,999}	2.80	2.80	2.24	n/a	n/a
^{Rates are variable and are effective from 29 November 2011}

Premier 30 - Issue 6a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	3.00	3.00	2.40	n/a	n/a
^{£25,000 - £49,999}	2.90	2.90	2.32	n/a	n/a
^{£10,000 - £24,999}	2.80	2.80	2.24	n/a	n/a
^{Rates are variable and are effective from 4 January 2012}

Premier 30 - Issue 1b
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	3.00	3.00	2.40	n/a	n/a
^{£25,000 - £49,999}	2.90	2.90	2.32	n/a	n/a
^{£10,000 - £24,999}	2.80	2.80	2.24	n/a	n/a
^{Rates are variable and are effective from 8 February 2012}

Premier 30
^{Rates excluding the bonus.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	1.45	1.45	1.16	n/a	n/a
^{£25,000 - £49,999}	1.35	1.35	1.08	n/a	n/a
^{£10,000 - £24,999}	1.25	1.25	1.00	n/a	n/a
^{Rates are variable and are effective from 8 February 2010}

Premier 30 Monthly - Issue 6
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the inception of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.95	2.99	2.36	n/a	n/a
^{£25,000 - £49,999}	2.85	2.89	2.28	n/a	n/a
^{£10,000 - £24,999}	2.75	2.78	2.20	n/a	n/a
^{Rates are variable and are effective from 4 January 2011}

Premier 30 Monthly - Issue 7
^{These rates include a 1.80% (fixed) bonus for the first twelve months following the inception of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	3.20	3.25	2.56	n/a	n/a
^{£25,000 - £49,999}	3.10	3.14	2.48	n/a	n/a
^{£10,000 - £24,999}	3.00	3.04	2.40	n/a	n/a
^{Rates are variable and are effective from 13 June 2011}

Premier 30 Monthly - Issue 8
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the inception of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.95	2.99	2.36	n/a	n/a
^{£25,000 - £49,999}	2.85	2.89	2.28	n/a	n/a
^{£10,000 - £24,999}	2.75	2.78	2.20	n/a	n/a
^{Rates are variable and are effective from 16 December 2011}

Premier 30 Monthly - Issue 1a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.95	2.99	2.36	n/a	n/a
^{£25,000 - £49,999}	2.85	2.89	2.28	n/a	n/a
^{£10,000 - £24,999}	2.75	2.78	2.20	n/a	n/a
^{Rates are variable and are effective from 8 February 2011}

Premier 30 Monthly - Issue 2a
^{These rates include a 1.30% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.70	2.73	2.16	n/a	n/a
^{£25,000 - £49,999}	2.60	2.63	2.08	n/a	n/a
^{£10,000 - £24,999}	2.50	2.53	2.00	n/a	n/a
^{Rates are variable and are effective from 12 May 2011}

Premier 30 Monthly - Issue 3a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.95	2.99	2.36	n/a	n/a
^{£25,000 - £49,999}	2.85	2.89	2.28	n/a	n/a
^{£10,000 - £24,999}	2.75	2.78	2.20	n/a	n/a
^{Rates are variable and are effective from 22 June 2011}

Premier 30 Monthly - Issue 4a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.95	2.99	2.36	n/a	n/a
^{£25,000 - £49,999}	2.85	2.89	2.28	n/a	n/a
^{£10,000 - £24,999}	2.75	2.78	2.20	n/a	n/a
^{Rates are variable and are effective from 5 August 2011}

Premier 30 Monthly - Issue 5a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.95	2.99	2.36	n/a	n/a
^{£25,000 - £49,999}	2.85	2.89	2.28	n/a	n/a
^{£10,000 - £24,999}	2.75	2.78	2.20	n/a	n/a
^{Rates are variable and are effective from 29 November 2011}

Premier 30 Monthly - Issue 6a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.95	2.99	2.36	n/a	n/a
^{£25,000 - £49,999}	2.85	2.89	2.28	n/a	n/a
^{£10,000 - £24,999}	2.75	2.78	2.20	n/a	n/a
^{Rates are variable and are effective from 4 January 2012}

Premier 30 Monthly - Issue 1b
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.95	2.99	2.36	n/a	n/a
^{£25,000 - £49,999}	2.85	2.89	2.28	n/a	n/a
^{£10,000 - £24,999}	2.75	2.78	2.20	n/a	n/a
^{Rates are variable and are effective from 8 February 2012}

Premier 30 Monthly
^{Rates excluding the bonus.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	1.40	1.41	1.12	n/a	n/a
^{£25,000 - £49,999}	1.30	1.31	1.04	n/a	n/a
^{£10,000 - £24,999}	1.20	1.21	0.96	n/a	n/a
^{Rates are variable and are effective from 8 February 2010}

Notice savings accounts

Hallmark 30 - Issue 6
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the inception of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.75	2.75	2.20	n/a	n/a
^{£25,000 - £49,999}	2.65	2.65	2.12	n/a	n/a
^{£10,000 - £24,999}	2.55	2.55	2.04	n/a	n/a
^{Rates are variable and are effective from 4 January 2011}

Hallmark 30 - Issue 7
^{These rates include a 1.80% (fixed) bonus for the first twelve months following the inception of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	3.00	3.00	2.40	n/a	n/a
^{£25,000 - £49,999}	2.90	2.90	2.32	n/a	n/a
^{£10,000 - £24,999}	2.80	2.80	2.24	n/a	n/a
^{Rates are variable and are effective from 13 June 2011}

Hallmark 30 - Issue 8
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the inception of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.75	2.75	2.20	n/a	n/a
^{£25,000 - £49,999}	2.65	2.65	2.12	n/a	n/a
^{£10,000 - £24,999}	2.55	2.55	2.04	n/a	n/a
^{Rates are variable and are effective from 16 December 2011}

Hallmark 30 - Issue 1a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.75	2.75	2.20	n/a	n/a
^{£25,000 - £49,999}	2.65	2.65	2.12	n/a	n/a
^{£10,000 - £24,999}	2.55	2.55	2.04	n/a	n/a
^{Rates are variable and are effective from 8 February 2011}

Hallmark 30 - Issue 2a
^{These rates include a 1.30% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.50	2.50	2.00	n/a	n/a
^{£25,000 - £49,999}	2.40	2.40	1.92	n/a	n/a
^{£10,000 - £24,999}	2.30	2.30	1.84	n/a	n/a
^{Rates are variable and are effective from 12 May 2011}

Hallmark 30 - Issue 3a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.75	2.75	2.20	n/a	n/a
^{£25,000 - £49,999}	2.65	2.65	2.12	n/a	n/a
^{£10,000 - £24,999}	2.55	2.55	2.04	n/a	n/a
^{Rates are variable and are effective from 22 June 2011}

Hallmark 30 - Issue 4a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.75	2.75	2.20	n/a	n/a
^{£25,000 - £49,999}	2.65	2.65	2.12	n/a	n/a
^{£10,000 - £24,999}	2.55	2.55	2.04	n/a	n/a
^{Rates are variable and are effective from 5 August 2011}

Hallmark 30 - Issue 5a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.75	2.75	2.20	n/a	n/a
^{£25,000 - £49,999}	2.65	2.65	2.12	n/a	n/a
^{£10,000 - £24,999}	2.55	2.55	2.04	n/a	n/a
^{Rates are variable and are effective from 29 November 2011}

Hallmark 30 - Issue 6a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.75	2.75	2.20	n/a	n/a
^{£25,000 - £49,999}	2.65	2.65	2.12	n/a	n/a
^{£10,000 - £24,999}	2.55	2.55	2.04	n/a	n/a
^{Rates are variable and are effective from 4 January 2012}

Hallmark 30 - Issue 1b
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.75	2.75	2.20	n/a	n/a
^{£25,000 - £49,999}	2.65	2.65	2.12	n/a	n/a
^{£10,000 - £24,999}	2.55	2.55	2.04	n/a	n/a
^{Rates are variable and are effective from 8 February 2012}

Hallmark 30
^{Rates excluding the bonus.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	1.20	1.20	0.96	n/a	n/a
^{£25,000 - £49,999}	1.10	1.10	0.88	n/a	n/a
^{£10,000 - £24,999}	1.00	1.00	0.80	n/a	n/a
^{Rates are variable and are effective from 8 February 2010}

Hallmark 30 Monthly - Issue 6
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the inception of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.70	2.73	2.16	n/a	n/a
^{£25,000 - £49,999}	2.60	2.63	2.08	n/a	n/a
^{£10,000 - £24,999}	2.50	2.53	2.00	n/a	n/a
^{Rates are variable and are effective from 4 January 2011}

Hallmark 30 Monthly - Issue 7
^{These rates include a 1.80% (fixed) bonus for the first twelve months following the inception of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.95	2.99	2.36	n/a	n/a
^{£25,000 - £49,999}	2.85	2.89	2.28	n/a	n/a
^{£10,000 - £24,999}	2.75	2.78	2.20	n/a	n/a
^{Rates are variable and are effective from 13 June 2011}

Hallmark 30 Monthly - Issue 8
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the inception of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.70	2.73	2.16	n/a	n/a
^{£25,000 - £49,999}	2.60	2.63	2.08	n/a	n/a
^{£10,000 - £24,999}	2.50	2.53	2.00	n/a	n/a
^{Rates are variable and are effective from 16 December 2011}

Hallmark 30 Monthly - Issue 1a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.70	2.73	2.16	n/a	n/a
^{£25,000 - £49,999}	2.60	2.63	2.08	n/a	n/a
^{£10,000 - £24,999}	2.50	2.53	2.00	n/a	n/a
^{Rates are variable and are effective from 8 February 2011}

Hallmark 30 Monthly - Issue 2a
^{These rates include a 1.30% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.45	2.48	1.96	n/a	n/a
^{£25,000 - £49,999}	2.35	2.38	1.88	n/a	n/a
^{£10,000 - £24,999}	2.25	2.27	1.80	n/a	n/a
^{Rates are variable and are effective from 12 May 2011}

Hallmark 30 Monthly - Issue 3a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.70	2.73	2.16	n/a	n/a
^{£25,000 - £49,999}	2.60	2.63	2.08	n/a	n/a
^{£10,000 - £24,999}	2.50	2.53	2.00	n/a	n/a
^{Rates are variable and are effective from 22 June 2011}

Hallmark 30 Monthly - Issue 4a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.70	2.73	2.16	n/a	n/a
^{£25,000 - £49,999}	2.60	2.63	2.08	n/a	n/a
^{£10,000 - £24,999}	2.50	2.53	2.00	n/a	n/a
^{Rates are variable and are effective from 5 August 2011}

Hallmark 30 Monthly - Issue 5a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.70	2.73	2.16	n/a	n/a
^{£25,000 - £49,999}	2.60	2.63	2.08	n/a	n/a
^{£10,000 - £24,999}	2.50	2.53	2.00	n/a	n/a
^{Rates are variable and are effective from 29 November 2011}

Hallmark 30 Monthly - Issue 6a
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.70	2.73	2.16	n/a	n/a
^{£25,000 - £49,999}	2.60	2.63	2.08	n/a	n/a
^{£10,000 - £24,999}	2.50	2.53	2.00	n/a	n/a
^{Rates are variable and are effective from 4 January 2012}

Hallmark 30 Monthly - Issue 1b
^{These rates include a 1.55% (fixed) bonus for the first twelve months following the switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	2.70	2.73	2.16	n/a	n/a
^{£25,000 - £49,999}	2.60	2.63	2.08	n/a	n/a
^{£10,000 - £24,999}	2.50	2.53	2.00	n/a	n/a
^{Rates are variable and are effective from 8 February 2012}

Hallmark 30 Monthly
^{Rates excluding the bonus.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£50,000+	1.15	1.16	0.92	n/a	n/a
^{£25,000 - £49,999}	1.05	1.06	0.84	n/a	n/a
^{£10,000 - £24,999}	0.95	0.95	0.76	n/a	n/a
^{Rates are variable and are effective from 8 February 2010}

Tax free savings accounts

Premier Reward ISA - Issue 1
^{These rates include a 0.75% (fixed) bonus for the first five months following the inception or switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£5,000+	3.10	2.66	Tax free	n/a	n/a
^{Rates are variable and are effective from 18 July 2011}

Branch Reward ISA - Issue 1
^{These rates include a 0.75% (fixed) bonus payable for the first five months following the inception or switch of the account.}
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£5,000+	3.00	2.56	Tax free	n/a	n/a
^{Rates are variable and are effective from 18 July 2011}

Easy access savings accounts

Branch Access
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£25,000+	0.10	0.10	0.08	0.25	0.25
^{£10,000 - £24,999}	0.10	0.10	0.08	0.10	0.10
^{£5,000 - £9,999}	0.10	0.10	0.08	0.10	0.10
^{£1,000 - £4,999}	0.10	0.10	0.08	0.10	0.10
^{£1 - £999}	0.10	0.10	0.08	0.10	0.10
^{Rates are variable and are effective from 10 February 2009}

Access Deposit
^{Account balance}	^{Current Gross%}	^{Current AER%}	^{Current Net%}	^{Previous Gross%}	^{Previous AER%}
^£25,000+	0.10	0.10	0.08	0.25	0.25
^{£10,000 - £24,999}	0.10	0.10	0.08	0.10	0.10
^{£5,000 - £9,999}	0.10	0.10	0.08	0.10	0.10
^{£1,000 - £4,999}	0.10	0.10	0.08	0.10	0.10
^{£1 - £999}	0.10	0.10	0.08	0.10	0.10
^{Rates are variable and are effective from 10 February 2009}

Investors are reminded that, with the exception of Fixed Rate Savings, all interest rates are variable and can be changed at any time. Changes will be notified to you on or before the effective date by advertisement in two or more local newspapers of our choice and by general notice in our branches or by personal notice to you in writing. The newspapers we use are Express & Star, Sandwell Chronicle, Dudley Chronicle and Wolverhampton Chronicle.

Interest is paid net (the tax deducted may be reclaimed by non-tax payers) or, subject to the required registration, gross.

Gross means the contractual rate of interest payable before deduction of income tax at the rate specified by law (the 'specified rate').

AER stands for Annual Equivalent Rate and is a notional rate that illustrates what the gross or tax free rate would be if the interest rate was paid and compounded each year.

Net is the rate of interest which would be payable after allowing for the deduction of income tax at the specified rate.

Individuals who are non-taxpayers, and who have not registered to receive their interest without tax deducted, can claim a repayment of tax from the Inland Revenue. Individuals with taxable income in the starting rate band of 10% who are due to pay less tax than the amount deducted from their interest can also claim such a repayment. Individuals whose interest falls within the basic rate band of 22% will have no more tax to pay on their interest, as the tax deducted from it at 20% will satisfy the tax due. Individuals who are higher rate taxpayers will have to pay the extra tax due on their interest (the difference between tax deducted at 20% and the higher rate of 40%).

Interest earned on ISA's is tax free as long as the statutory conditions of the scheme are not breached.

On all notice accounts# we will ensure that the minimum interest rate paid will be no lower than 3% below the Bank of England repo rate (known as the 'base rate'). If a change in the 'base rate' results in a breach of this commitment we shall increase the interest rate within 2 calendar months. Also we shall give you at least 90 days notice if we intend to change this condition.

#Notice accounts currently comprise: Hallmark Reward 30, Hallmark Reward 30 Monthly, Hallmark 90, Investment, Premier Reward 30, Premier Reward 30 Monthly, Premier 90 and Investment Monthly shares together with Notice deposits and closed issues Hallmark 30, Hallmark 30 Monthly, Premier 30 and Premier 30 Monthly shares.

Page last updated on 1 March 2012.

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Postal Savings:
Premier Reward 30 | Premier Reward 30 Monthly | Premier 90 | Premier 90 Monthly | Premier Access

Tax Free Savings:
Premier Reward ISA | Branch Reward ISA | Premier ISA | Branch ISA | Changes to ISAs

Easy Access:
Hallmark Access | Easy Access | Easy Access Deposit

Regular Saver:
Regular Saver

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