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Fixed Deposit Contracts

Fixed Deposit Contracts allow you to fix your money at an agreed interest rate for a set period of time. Available in Sterling and US Dollars, with a range of fixed time periods to choose from.

At a glance (key features)

  • Fixed rate savings account so you know exactly how much interest you will earn
  • Available in Sterling and US Dollar currencies
  • A choice of fixed time periods to choose from: 3 month, 6 month, 12 month and 24 month
  • Interest is paid on maturity for 3 month, 6 month and 12 month contracts and annually or on maturity for 24 month contracts
  • Withdrawals are not permitted until the contract maturity date

 

Full details

  • Your initial deposit will be paid into a Call Account which we will automatically open for you
  • Once a contract has been fixed, no additional deposits are allowed
  • Once a contract has been fixed, no withdrawals are permitted until the contract maturity date
  • As interest rates are subject to change, we will fix your money at the interest rate applicable on the day your deposit is received
  • At the end of the contract your capital and interest will be paid into your Call Account, unless we receive alternative maturity instructions from you
  • Cheque books or cards are not available
  • Standing Orders or Direct Debits are not permitted

Please refer to the General Terms and Conditions for the Fixed Deposit Contract.

 

Interest Rates for personal customers

Channel Islands and Isle of Man residents

Island 3 Month Fixed Deposit Contract - Sterling

Interest is paid on maturity. The minimum balance requirement is £25,000.

Interest rates are effective from 8 August 2016.

Minimum balance to earn interest rate Gross rate Annual Equivalent Rate (AER)
£25,000 - £74,999 0.30% 0.30%
£75,000 - £999,999 0.35% 0.35%
£1,000,000+ Please contact us.*

Island 3 Month Fixed Deposit Contract - US Dollar

Interest is paid on maturity. The minimum balance requirement is $25,000.

Interest rates are effective from 19 June 2017.

Minimum balance to earn interest rate Gross rate Annual Equivalent Rate (AER)
$25,000 - $74,999 0.65% 0.65%
$75,000 - $999,999 0.70% 0.70%
$1,000,000+ Please contact us.*

Island 6 Month Fixed Deposit Contract - Sterling

Interest is paid on maturity. The minimum balance requirement is £25,000.

Interest rates are effective from 1 December 2017.

Minimum balance to earn interest rate Gross rate Annual Equivalent Rate (AER)
£25,000 - £74,999 0.50% 0.50%
£75,000 - £999,999 0.55% 0.55%
£1,000,000+ Please contact us.*

Island 6 Month Fixed Deposit Contract - US Dollar

Interest is paid on maturity. The minimum balance requirement is $25,000.

Interest rates are effective from 19 June 2017.

Minimum balance to earn interest rate Gross rate Annual Equivalent Rate (AER)
$25,000 - $74,999 0.80% 0.80%
$75,000 - $999,999 0.85% 0.85%
$1,000,000+ Please contact us.*

Island 12 Month Fixed Deposit Contract - Sterling

Interest is paid on maturity. The minimum balance requirement is £25,000.

Interest rates are effective from 1 December 2017.

Minimum balance to earn interest rate Gross rate Annual Equivalent Rate (AER)
£25,000 - £74,999 0.80% 0.80%
£75,000 - £999,999 1.00% 1.00%
£1,000,000+ Please contact us.*

Island 12 Month Fixed Deposit Contract - US Dollar

Interest is paid on maturity. The minimum balance requirement is $25,000.

Interest rates are effective from 19 June 2017.

Minimum balance to earn interest rate Gross rate Annual Equivalent Rate (AER)
$25,000 - $74,999 1.20% 1.20%
$75,000 - $999,999 1.35% 1.35%
$1,000,000+ Please contact us.*

Island 24 Month Fixed Deposit Contract - Sterling

Interest is paid annually or on maturity, annual interest cannot be added to the original amount deposited and must be paid into the associated Call Account held with us. The minimum balance requirement is £25,000.

Interest rates are effective from 1 November 2016.

Minimum balance to earn interest rate Interest paid annually Interest paid on maturity
Gross rate Annual Equivalent Rate (AER) Gross rate Annual Equivalent Rate (AER)
£25,000 - £74,999 1.24% 1.24% 1.25% 1.24%
£75,000 - £999,999 1.24% 1.24% 1.25% 1.24%
£1,000,000+ Please contact us.*

Island 24 Month Fixed Deposit Contract - US Dollar

Interest is paid annually or on maturity, annual interest cannot be added to the original amount deposited and must be paid into the associated Call Account held with us. The minimum balance requirement is $25,000.

Interest rates are effective from 19 June 2017.

Minimum balance to earn interest rate Interest paid annually Interest paid on maturity
Gross rate Annual Equivalent Rate (AER) Gross rate Annual Equivalent Rate (AER)
$25,000 - $74,999 1.49% 1.49% 1.50% 1.49%
$75,000 - $999,999 1.54% 1.54% 1.55% 1.54%
$1,000,000+ Please contact us.*

International customers

3 Month Fixed Deposit Contract - Sterling

Interest is paid on maturity. The minimum balance requirement is £50,000.

Interest rates are effective from 8 August 2016.

Minimum balance to earn interest rate Gross rate Annual Equivalent Rate (AER)
£50,000 - £74,999 0.30% 0.30%
£75,000 - £999,999 0.35% 0.35%
£1,000,000+ Please contact us.*

3 Month Fixed Deposit Contract - US Dollar

Interest is paid on maturity. The minimum balance requirement is $50,000.

Interest rates are effective from 19 June 2017.

Minimum balance to earn interest rate Gross rate Annual Equivalent Rate (AER)
$50,000 - $74,999 0.65% 0.65%
$75,000 - $999,999 0.70% 0.70%
$1,000,000+ Please contact us.*

6 Month Fixed Deposit Contract - Sterling

Interest is paid on maturity. The minimum balance requirement is £50,000.

Interest rates are effective from 1 December 2017.

Minimum balance to earn interest rate Gross rate Annual Equivalent Rate (AER)
£50,000 - £74,999 0.40% 0.40%
£75,000 - £999,999 0.55% 0.55%
£1,000,000+ Please contact us.*

6 Month Fixed Deposit Contract - US Dollar

Interest is paid on maturity. The minimum balance requirement is $50,000.

Interest rates are effective from 19 June 2017.

Minimum balance to earn interest rate Gross rate Annual Equivalent Rate (AER)
$50,000 - $74,999 0.80% 0.80%
$75,000 - $999,999 0.85% 0.85%
$1,000,000+ Please contact us.*

12 Month Fixed Deposit Contract - Sterling

Interest is paid on maturity. The minimum balance requirement is £50,000.

Interest rates are effective from 1 December 2017.

Minimum balance to earn interest rate Gross rate Annual Equivalent Rate (AER)
£50,000 - £74,999 0.70% 0.70%
£75,000 - £999,999 1.00% 1.00%
£1,000,000+ Please contact us.*

12 Month Fixed Deposit Contract - US Dollar

Interest is paid on maturity. The minimum balance requirement is $50,000.

Interest rates are effective from 19 June 2017.

Minimum balance to earn interest rate Gross rate Annual Equivalent Rate (AER)
$50,000 - $74,999 1.20% 1.20%
$75,000 - $999,999 1.30% 1.30%
$1,000,000+ Please contact us.*

24 Month Fixed Deposit Contract - Sterling

Interest is paid annually or on maturity, annual interest cannot be added to the original amount deposited and must be paid into the associated Call Account held with us. The minimum balance requirement is £50,000.

Interest rates are effective from 1 November 2016.

Minimum balance to earn interest rate Interest paid annually Interest paid on maturity
Gross rate Annual Equivalent Rate (AER) Gross rate Annual Equivalent Rate (AER)
£50,000 - £74,999 1.24% 1.24% 1.25% 1.24%
£75,000 - £999,999 1.24% 1.24% 1.25% 1.24%
£1,000,000+ Please contact us.*

24 Month Fixed Deposit Contract - US Dollar

Interest is paid annually or on maturity, annual interest cannot be added to the original amount deposited and must be paid into the associated Call Account held with us. The minimum balance requirement is $50,000.

Interest rates are effective from 19 June 2017.

Minimum balance to earn interest rate Interest paid annually Interest paid on maturity
Gross rate Annual Equivalent Rate (AER) Gross rate Annual Equivalent Rate (AER)
$50,000 - $74,999 1.49% 1.49% 1.50% 1.49%
$75,000 - $999,999 1.54% 1.54% 1.55% 1.54%
$1,000,000+ Please contact us.*
 

Interest rates may vary. AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year. The gross rate is the rate payable where interest is paid without the deduction of tax. If a negative interest rate applies to your account, this will be calculated on the same basis as credit interest. *If you have a balance in excess of £/€/$ 1 million with us we offer a personalised service – please contact us so we can understand your banking needs.

 

Apply

To apply please call us on 08000 84 28 88, if calling from a UK landline or mobile or +44(0) 1534 885 000, if calling from overseas. We’re open Monday to Friday, 9am – 5pm UK time (except Tuesday when we open slightly later at 9.30am). Calls may be recorded or monitored. Alternatively, complete our online account enquiry form or complete our application form.

 

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