Fixed Rate Bond (5 May 2027)

What is the interest rate?

• Interest is calculated daily and will be added to the account on 5 May 2027.

Can Newbury change the interest rate?

• No, the interest rate is fixed until 5 May 2027.

What would the estimated balance be on 5 May 2027 assuming £5,000 was invested on 13 November 2025?

• This estimation is for illustrative purposes only and does not reflect individual circumstances.
• This estimation is based upon an initial deposit of £5,000 being made on 13 November 2025 and interest added to the account on 5 May 2027 (no further deposits can be made during the term of the account).

How do I open and manage my account?

• A customer can only hold one Bond (5 May 2027) either in single or joint names.
• Account can be opened by cheque or transfer from another Newbury Building Society account, or a bank account in the account holders’ name.
• Available to those aged 18 and over.
• If the account is opened online or by post, the account must be approved within 14 days. If the account is not approved within 14 days, we will close the account. The account is approved when we have received the application and the identification requirements have been satisfied. Once the account is approved, the account can receive deposits up to the account limit within five business days. If no deposits have been received within five business days, we will close the account.
• The minimum opening balance is £5,000.
• The maximum opening balance is £100,000.
• Additional deposits are not allowed
• This account can be opened and operated in branch, via the post or online.
• Personal customers only (not available to corporate bodies, organisations, clubs, trusts etc).
• Account holder/s must be resident in England or Wales.

Can I withdraw money?

• Prior to maturity on 5 May 2027, we will write to you to discuss your options. These options will be dependent upon our product range and your needs at the time.
• No withdrawals can be made during the fixed rate term.
• If we are unable to contact you or you do not respond to us, the funds will be transferred to an instant access account matching our Instant premium account on the maturity date.

Additional information

• Tax status - From 6 April 2016, HMRC introduced a Personal Savings Allowance for individuals and as a result interest on savings is paid gross of tax. Your tax treatment will depend on your individual circumstances and may be subject to change in the future. For further information go to www.gov.uk.
• Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.
• AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.