Newbury Building Society

Proud to be a traditional Building Society owned by our members

Tel: 01635 555777

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Interest rates

Mortgages Interest Rates

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.

Savings Interest Rates

Current savings interest rates are effective from 14 April 2009, click on the Interest rate tiers below to see the rates.
Rate of interest payable and tax treatment depends on individual circumstances and may be subject to change in the future.

Closed accounts current interest rates (Member Cash ISA, Monthly Saver and Premium Portfolio Bond)
Previous rates for all accounts
Corporate interest rates (Company deposit and Company fixed term deposit)

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
£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

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

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 (%)
£50+	2.10	2.10	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.

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 under 16 years.

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.

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17 Bartholomew Street
Newbury
Berkshire
RG14 5LY
tel: 01635 555700
fax: 01635 555799
e-mail: enquiries@newbury.co.uk

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Newbury Building Society is authorised and regulated by the Financial Services Authority and is entered on the Financial Services Authority register No. 206077. Registered Office: Newbury Building Society, 17 Bartholomew Street, Newbury, Berkshire, RG14 5LY.

English law applies and we will communicate with you in English. We are participants of the Financial Ombudsman Service. We have a complaints procedure which we will provide on request. Most complaints that we cannot resolve can be referred to the Financial Ombudsman Service.

Newbury Building Society acts as an introducer to the Liverpool Victoria group of companies for investments, protection and pensions. LV= and Liverpool Victoria are registered trade marks of Liverpool Victoria Friendly Society Limited (LVFS) and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria group of companies. Liverpool Victoria Financial Advice Services Limited, registered in England No. 3027145 is authorised and regulated by the Financial Services Authority, register No. 186890. LVFS is authorised and regulated by the Financial Services Authority, register No. 110035. LVFS is a member of the ABI, AFS and ILAG. Registered address for both companies: County Gates, Bournemouth BH1 2NF. Tel: 01202 292333.

You can check the FSA register on the FSA's Website or by contacting the FSA on 0300 500 5000.

Correct as 10th August 2009