Fixed Rate ISA to 30/11/2013

If you want a guaranteed rate on your ISA, our Limited Issue* Fixed Rate Cash ISA could be just what you're looking for. You'll get an interest rate that's fixed until 30 November 2013.

The Fixed Rate Cash ISA is ideal for those looking for a guaranteed interest rate over a fixed period of time. Visit one of our branches or call us to make an application or to find out more.

Minimum investment of £100 up to your maximum 2012/2013 Cash ISA allowance of £5,640 plus up until 5 April 2013 you can deposit your 2012/2013 Cash ISA allowance.
External ISA transfers in from other providers are permitted until 30 days after the Fixed Rate ISA has been withdrawn from sale. Any deposits received after these timescales will be returned to you. Please check with your existing ISA provider for any charges applicable on transfer.
Withdrawals are not permitted
Early closure is only permitted subject to equivalent to 120 days' loss of interest, early closure other than transfers to another ISA would mean loss of tax free status

Please be aware that this is a limited issue account and can be withdrawn from sale at any time.

Interest rates
Summary box
How to apply

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Interest rates

Current rates
(Effective 11 May 2012)

Balance (£)	Tax-free Annual Interest Rates		Tax-free Monthly Interest Rates
Balance (£)	Tax-Free Tax-free means that interest is not subject to income tax	AER AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added each year. This will enable you to compare more easily the return you can expect from your savings over time.	Tax-free Tax-free means that interest is not subject to income tax	AER AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added each year. This will enable you to compare more easily the return you can expect from your savings over time.
£100 and above	3.25%	3.25%	3.20%	3.25%

Interest rates are fixed, paid monthly or annually on 30/11/2012 & 30/11/2013.

Gross rate p.a.
Interest rate payable before any income tax is deducted. It can only be paid subject to the required registration.

Net rate p.a.
Interest rate payable after the deduction of income tax, at the lower rate of 20%.

AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added each year. This will enable you to compare more easily the return you can expect from your savings over time.

Apply now

Summary box

Key Product Information for our Savings Account

Account Name	Fixed Rate ISA to 30/11/2013
Interest rates (AERs)	Interest rates are fixed, paid monthly or annually on 30/11/2012 & 30/11/2013, View interest rate.
Tax Status	Tax-free Tax-free means that interest is not subject to income tax
Conditions for bonus payment	n/a
Withdrawal arrangements	Withdrawals are not permitted during the term. Early closure is only permitted subject to equivalent to 120 days' loss of interest deducted from the closing balance, early closure other than transfers to another ISA would mean loss of tax free status, subject to daily withdrawal limits.
Access	Branch, agency, phone or post

Whether you can benefit from gross, net or tax free interest is dependent on your own personal circumstances and tax status and so may be subject to change in the future.

How to Apply for a Fixed Rate ISA to 30/11/2013

This savings account can be operated in various ways and can be opened at a branch, over the phone or via the post.

Note: When applying for a YBS account you will need to verify your identity and address. Check our Verifying your Identity section for more details of what you may need to take with you.