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CURRENT RATES
The following rates are effective from the 10th November 2008.
DEPOSITORS
|
AER |
Gross |
|
Cash ISA |
3.000% |
3.000% |
Monthly Income Accounts(1 year fixed)
|
AER |
Gross |
Net of Tax at 20% |
| £1,000 - £9,999 |
2.010% |
2.000%% |
1.600% |
| £10,000+ |
2.260% |
2.250% |
1.800% |
Money Market Accounts
|
AER |
Gross |
Net of Tax at 20% |
| £1 - £9,999 |
0.250% |
0.250% |
0.200% |
| £10,000 - £24,999 |
1.510% |
1.500% |
1.200% |
| £25,000 - £99,999 |
2.010% |
2.000% |
1.600% |
| £100,000 + |
2.260% |
2.250% |
1.800% |
Premium Accounts
(90 days notice)
|
AER |
Gross |
Net of Tax at 20% |
| £1,000 - £4,999 |
1.000% |
1.000% |
0.800% |
| £5,000 - £9,999 |
1.5060% |
1.500% |
1.200% |
| £10,000 - £19,999 |
1.760% |
1.750% |
1.400% |
| £20,000+ |
2.010% |
2.000% |
1.600% |
Savings Accounts
|
AER |
Gross |
Net of Tax at 20% |
| £1 -
£999 |
0.100% |
0.100% |
0.080% |
| £1,000 - £4,999
|
0.100% |
0.100% |
0.080% |
| £5,000 - £9999 |
0.200% |
0.200% |
0.160% |
| £10,000+ |
0.200% |
0.200% |
0.160% |
Diamond Accounts
|
AER |
Gross |
Net of Tax at 20% |
| £1 - £999
|
0.100% |
0.100% |
0.080% |
| £1,000 - £4,999
|
0.100% |
0.100% |
0.080% |
| £5,000 - £19,999
|
0.100% |
0.100% |
0.080% |
| £20,000
+ |
0.100% |
0.100% |
0.080% |
Independent Accounts
|
AER |
Gross |
Net of Tax at 20% |
| £1+ |
1.000% |
1.000% |
0.800% |
Fixed Term
Net Interest Rate
The rate of interest
paid after the deduction of lower rate tax.
Gross Interest Rate
The rate of interest
paid without deduction of tax.
Annual Equivalent
Rate (AER)
The Annual Equivalent
Rate (AER) represents the annual rate effectively received by the customer if
interest at the gross rate applied during a year remained in the account and
itself earned interest. As every advert for savings products, where a rate is
displayed, will contain an AER, you will be able to compare more easily what
return you can expect from your savings over time.
*Interest will be paid net of lower rate tax unless valid documentation is provided entitling the account holder(s) to receive interest gross of tax
BORROWERS
|
Base
Rate |
Flat |
Typical
APR |
| Airdrie Savings Bank Base
Rate from 10/11/2008 |
3.00% |
|
|
| Personal Loans from 03/11/2008 |
|
6.25% |
12.2% |
| Variable Mortgages from 03/11/2008
|
|
6.25% |
6.6% |
| Discounted Mortgages from 03/11/2008
|
|
5.25% |
5.6% |
| Homeowner Loans from 10/11/2008 |
|
5.50% |
6.50% |
| Bridging
Loans #1 |
|
variable
rates |
| Authorised
Overdrafts #1 |
|
variable rates |
| Unauthorised
Overdrafts #1 |
|
variable rates |
#1
Base rate related, please contact Branch for details.
Interest
rates are subject to variation.
Interest is calculated daily for all accounts.
Click here to see our previous
Interest Rates
|
