Fixed rate bonds
A fixed rate bond with the Cheshire offers your savings a secure home, high interest rates and a guaranteed return on your investment. You can choose whether you want to fix for short term or long term.
You can apply online for all our savings bonds and choose to have your interest paid monthly, annually or at maturity, depending on your chosen bond.
6 Months
1 Year
2 Year
3 Year
Black Cat
Portfolio Reserve
6 Month Fixed Rate Bond
|
Investment |
Gross Rate % |
Net Rate % |
AER % |
Apply |
| Interest All on Maturity |
£1,000+ |
4.06 |
3.25 |
4.10 |
 |
| Monthly Interest |
£1,000+ |
4.02 |
3.22 |
4.10 |
|
1 Year Fixed Rate Bond
|
Investment |
Gross Rate % |
Net Rate % |
AER % |
Apply |
| Interest at Maturity |
£1,000+ |
4.50 |
3.60 |
4.50 |
|
| Monthly Interest |
£1,000+ |
4.41 |
3.53 |
4.50 |
|
2 Year Fixed Rate Bond
|
Investment |
Gross Rate % |
Net Rate % |
AER % |
Apply |
| Annual Interest |
£1,000+ |
4.75 |
3.80 |
4.75 |
|
| Monthly Interest |
£1,000+ |
4.65 |
3.72 |
4.75 |
|
3 Year Fixed Rate Bond
|
Investment |
Gross Rate % |
Net Rate % |
AER % |
Apply |
| Annual Interest |
£1,000+ |
4.75 |
3.80 |
4.75 |
|
| Monthly Interest |
£1,000+ |
4.65 |
3.72 |
4.75 |
|
Black Cat Bond
|
Investment |
Gross Rate % |
Net Rate % |
AER % |
Apply |
| Interest All on Maturity |
£500+ |
20.40 |
16.32 |
4.75 |
|
| Annual Interest |
£500+ |
4.75 |
3.80 |
4.75 |
|
Portfolio Reserve
|
Investment |
Gross Rate % |
Net Rate % |
AER % |
Apply |
| Interest at Maturity |
£30,000 + |
10.00 |
8.00 |
10.00 |
|
|
£10,000 - £29,999 |
8.00 |
6.40 |
8.00 |
|
|
£1,000 - £9,999 |
7.00 |
5.60 |
7.00 |
|
| Monthly Interest |
£30,000 + |
9.57 |
7.66 |
10.00 |
|
|
£10,000 - £29,999 |
7.72 |
6.18 |
8.00 |
|
|
£1,000 - £9,999 |
6.78 |
5.42 |
7.00 |
|
The 'gross rate' is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.
The 'net rate' is the rate of interest which would be payable after allowing for the deduction of income tax at the specified rate.
The 'AER' stands for Annual Equivalent Rate and illustrates what the interest rate would be if it was paid and compounded once each year.
