interest rates

Standard rate

0.1

0.10

Opening balance of £500. Interest paid monthly. Instant access.

Higher rate

0.4

0.40

Opening balance of £10,000. Interest paid monthly. Instant access for withdrawals up to £50,000.

Premium rate (from 01/01/12)

1.0

1.00

Balances of £50,000 and above.

Ordinary deposit fund

0.1

0.10

No minimum balance. Interest paid monthly.

Higher rate deposit fund

0.4

0.40

£10,000 opening balance. Interest compounded monthly.

Mortgage account

5.50

Loans up to £500,000. Period of up to 20 years. No penalty for early repayment. Non-standard terms available subject to status.