Interest Rate Table

Variable rates applicable from 15th April 2008.

Fixed rates were last changed 7th May 2008. As these rates can change on a daily basis please ring 0800 028 3746 for our current rates.

Current Interest Rates and Previous Variable Rates are also available in Adobe Acrobat PDF Format.
Please click here for details.

The Julian Hodge Bank Base Rate as at 10th April 2008 is 5.00%.
Please click here for details of historic Base Rates .

Please note that Variable Rate ISAs are currently not available.

Variable Rate Accounts

Extra High Interest Deposit Account
Withdrawals subject to 3 months notice

	ANNUAL INTEREST		MONTHLY INTEREST
	Net Rate %	Gross Rate/AER %	Net Rate %	Gross Rate %	AER %
£100,000+	4.08	5.10	3.99	4.98	5.10
£50,000+	4.00	5.00	3.91	4.89	5.00
£10,000+	3.60	4.50	3.53	4.41	4.50
£5,000+	3.20	4.00	3.14	3.93	4.00
£1,000+	2.80	3.50	2.76	3.45	3.50
Below £1,000+	0.00	0.00	0.00	0.00	0.00

Eight Day Notice Deposit Account
Withdrawals subject to 8 days notice

	ANNUAL INTEREST		MONTHLY INTEREST
	Net Rate %	Gross Rate/AER %	Net Rate %	Gross Rate %	AER %
£50,000+	3.60	4.50	3.53	4.41	4.50
£10,000+	3.20	4.00	3.14	3.93	4.00
£5,000+	2.80	3.50	2.76	3.45	3.50
£1,000+	2.40	3.00	2.37	2.96	3.00
Below £1,000+	0.00	0.00	0.00	0.00	0.00

Savings Account
Immediate Access

	ANNUAL INTEREST		MONTHLY INTEREST
	Net Rate %	Gross Rate/AER %	Net Rate %	Gross Rate %	AER %
£50,000+	3.20	4.00	3.14	3.93	4.00
£10,000+	2.80	3.50	2.76	3.45	3.50
£5,000+	2.40	3.00	2.37	2.96	3.00
£1,000+	2.00	2.50	1.98	2.47	2.50
Below £1,000+	0.00	0.00	0.00	0.00	0.00

High Interest Cheque Account
Current account with limited number of entries.
Overdrafts by arrangement.
Please note that the High Interest Cheque Account is available to existing customers only.

	ANNUAL INTEREST		MONTHLY INTEREST
	Net Rate %	Gross Rate/AER %	Net Rate %	Gross Rate %	AER %
£50,000+	2.80	3.50	2.76	3.45	3.50
£10,000+	2.32	2.90	2.29	2.86	2.90
£5,000+	1.52	1.90	1.51	1.88	1.90
£1,000+	0.84	1.05	0.84	1.04	1.05
Below £1,000+	0.00	0.00	0.00	0.00	0.00

Fixed Rate Accounts & ISAs

Short Term Fixed Rate Deposits
£1,000 - £249,999

	INTEREST AT MATURITY
	Net Rate %	Gross Rate %	AER %	IMPORTANT These rates can change on a daily basis. Please ring 0800 028 3746 for current rates.
7 Days	1.60	2.00	2.02
1 Month	4.16	5.20	5.33
3 Months	4.50	5.63	5.75
6 Months	4.58	5.73	5.81
9 Months	4.66	5.83	5.87

Short Term Fixed Rate Deposits
£250,000 - £999,999

	INTEREST AT MATURITY
	Net Rate %	Gross Rate %	AER %	IMPORTANT These rates can change on a daily basis. Please ring 0800 028 3746 for current rates.
7 Days	1.60	2.00	2.02
1 Month	4.24	5.30	5.43
3 Months	4.58	5.73	5.85
6 Months	4.66	5.83	5.91
9 Months	4.74	5.93	5.97

Short Term Fixed Rate Deposits
£1,000,000+

	INTEREST AT MATURITY
	Net Rate %	Gross Rate %	AER %	IMPORTANT These rates can change on a daily basis. Please ring 0800 028 3746 for current rates.
7 Days	1.60	2.00	2.02
1 Month	4.32	5.40	5.54
3 Months	4.66	5.83	5.96
6 Months	4.74	5.93	6.02
9 Months	4.82	6.03	6.08

Capital Millennium Bonds
£1,000+

	INTEREST AT MATURITY			INTEREST MONTHLY
	Net Rate %	Gross Rate %	AER %	Net Rate %	Gross Rate %	AER %
1 Year	4.92	6.15	6.15	4.79	5.98	6.15
2 Years	4.88	6.10	6.10	4.75	5.94	6.10
3 Years	4.88	6.10	6.10	4.75	5.94	6.10
4 Years	4.32	5.40	5.40	4.22	5.27	5.40
5 Years	4.32	5.40	5.40	4.22	5.27	5.40

Tax Free Accounts

ISAs
Please note that Variable Rate ISAs are currently not available.

		Gross Rate/AER %
Variable Rate ISAs
Cash ISA	Tax Free	5.00	Tax Free
Fixed Rate Cash ISAs
1 Year	Tax Free	6.15	Tax Free
2 Years	Tax Free	5.85	Tax Free
3 Years	Tax Free	5.85	Tax Free
4 Years	Tax Free	5.15	Tax Free
5 Years	Tax Free	5.15	Tax Free

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Adobe Acrobat Files

Click here to view the current interest rate table in Adobe PDF format

Previous Variable Interest Rates

12th February 2008 - 14th April 2008
18th December 2007 - 11th February 2008
11th July 2007 - 17th December 2007
15th May 2007 - 10th July 2007
16th January 2007 - 14th May 2007

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Glossary of Terms

Net Rate

This is the contractual rate of interest paid from which tax is deemed to have been deducted at the appropriate rate, currently 20%.

Gross Rate

The contractual rate of interest payable not taking into account the deduction of tax.

AER

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if paid and compounded each year.

Tax Free

This is the rate payable where interest is exempt from tax.