Account Name	Standard Variable Rate (%)	The overall cost for comparison is - APR (%)
Newbury Building Society Standard Variable Rate 4.45 % 4.5 %
Residential property is administered by Newbury Building Society.
Newbury Mortgage Services Standard Variable Rate 5.0 % 5.1 %
Buy to let and commercial property is administered by Newbury Mortgage Services, a subsidiary of Newbury Building Society.

Account Name	Gross (%)	Gross AER (%)*	NET Equiv (%)	NET AER (%)
Access 180
A notice account for new and existing savers from £25,000.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £100,000+ 2.50 2.50 2.00 2.00 £50,000+ 2.20 2.20 1.76 1.76 £25,000+ 1.90 1.90 1.52 1.52
Access 90
A notice account for new and existing savers from £1,000.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £50,000+ 2.00 2.00 1.60 1.60 £25,000+ 1.50 1.50 1.20 1.20 £10,000+ 1.20 1.20 0.96 0.96 £1,000+ 0.85 0.85 0.68 0.68
Company deposit
An easy access savings account for UK based limited companies and incorporated charities.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £250,000+ 1.75 1.75 1.40 1.40 £100,000+ 1.35 1.35 1.08 1.08 £25,000+ 0.65 0.65 0.52 0.52
Existing members account
An exclusive easy access savings account for members of two years or more.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £1+ 2.10 2.10 1.68 1.68
Fixed rate bond (to 28 September 2011)
A fixed rate account for new and existing savers from £10,000.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £10,000+ 2.65 2.65 2.12 2.12
Instant premium
An easy access savings account for new and existing savers from £500.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £25,000+ 0.75 0.75 0.60 0.60 £500+ 0.40 0.40 0.32 0.32
Monthly income
An account, with easy access for balances over £10,000, for new and existing savers with interest paid monthly.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £25,000+ 1.00 1.00 0.80 0.80 £10,000+ 0.85 0.85 0.68 0.68 £2,500+ 0.75 0.75 0.60 0.60
Newbury share
An easy access savings account for new and existing savers from £50.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £1+ 0.10 0.10 0.08 0.08
Notice Cash ISA
A notice cash ISA for new and existing savers aged 16 years and over.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £25,000+ 2.25 2.25 0.00 0.00 £5,000+ 2.10 2.10 0.00 0.00 £50+ 1.50 1.50 0.00 0.00
Senior monthly Cash ISA
An easy access cash ISA for new and existing savers aged 55 years and over with interest paid monthly.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £50+ 1.90 1.92 0.00 0.00
Senior saver
An easy access account for new and existing savers aged 55 years and over with interest paid monthly.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £500+ 1.00 1.00 0.80 0.80
Solicitor deposit
An easy access savings account for UK based solicitors and their clients.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £250,000+ 1.75 1.75 1.40 1.40 £100,000+ 1.35 1.35 1.08 1.08 £50,000+ 1.15 1.15 0.92 0.92 £500+ 0.15 0.15 0.12 0.12
Square deal Cash ISA
An easy access cash ISA for new and existing savers aged 16 years and over.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £50+ 1.50 1.50 0.00 0.00
Treasure plus
An easy access account for balances over £10,000, for new and existing savers.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £50,000+ 1.25 1.25 1.00 1.00 £25,000+ 1.10 1.10 0.88 0.88 £10,000+ 0.90 0.90 0.72 0.72 £1,000+ 0.75 0.75 0.60 0.60
Trust deposit
A notice account for most types of UK based trusts.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £250,000+ 1.75 1.75 1.40 1.40 £100,000+ 1.35 1.35 1.08 1.08 £50,000+ 1.15 1.15 0.92 0.92 £25,000+ 0.65 0.65 0.52 0.52 £500+ 0.15 0.15 0.12 0.12
Young saver
An easy access savings account for young savers aged 17 and under.
Interest rate tiers - click to view Account Bands Gross (%) Gross AER (%)* NET Equiv (%) NET AER (%) £1+ 1.65 1.65 1.32 1.32 £0+ 1.65 1.65 1.32 1.32

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year (as every advert that quotes an interest rate will contain an AER, you will be able to compare more easily what return you can expect over time).

Gross rate is the contractual rate of interest payable before the deduction of Income tax specified by law (currently 20%). The "net" interest rate is the interest rate payable after allowing for the deduction of Income tax at the specified rate, currently 20%. Tax free is the contractual rate of interest payable where interest is exempt from Income tax.

Transactions on accounts subject to notice must be completed within 7 days of the expiry of the period of notice. Any sum withdrawn in excess of £350 (including that for Instant premium) will be paid by cheque. Withdrawals of £200,000 or more will take 48 hours to process. The minimum cheque withdrawal is £25 unless stated otherwise in the product leaflet.

If the balance of the account falls below the minimum (the lowest band stated above), a variable interest rate of 0.10% gross (0.08% net) will be paid.

Other terms and conditions apply to all Account Types. Click on the relevant product details buttons above to see key features and also read our General Investment terms and conditions booklet.