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Julian Hodge Institute of Applied Macroeconomics at Cardifff University

Interest Rate Table

Variable rates applicable from 18th November 2008.

Fixed rates were last changed 18th November 2008. As these rates can change on a daily basis please ring 0800 028 3746 for our current rates.

Current Interest Rates and Previous Variable Rates are also available in Adobe Acrobat PDF Format.
Please click here for details.

The Julian Hodge Bank Base Rate as at 12th November 2008 is 4.00%.
Please click here for details of historic Base Rates.

Please note that Variable Rate ISAs are currently not available.

Variable Rate Accounts


Extra High Interest Deposit Account
Withdrawals subject to 3 months notice
 ANNUAL INTERESTMONTHLY INTEREST
  Net Rate
%		 Gross Rate/AER
%		 Net Rate
%		 Gross Rate
%		 AER
%
£100,000+ 2.48 3.10 2.45 3.06 3.10
£50,000+ 2.40 3.00 2.37 2.96 3.00
£10,000+ 2.00 2.50 1.98 2.47 2.50
£5,000+ 1.60 2.00 1.59 1.98 2.00
£1,000+ 1.20 1.50 1.19 1.49 1.50
Below £1,000+0.000.000.000.000.00



Eight Day Notice Deposit Account
Withdrawals subject to 8 days notice
 ANNUAL INTERESTMONTHLY INTEREST
 Net Rate
%		 Gross Rate/AER
%		 Net Rate
%		 Gross Rate
%		 AER
%
£50,000+ 2.00 2.50 1.98 2.47 2.50
£10,000+ 1.60 2.00 1.59 1.98 2.00
£5,000+ 1.20 1.50 1.19 1.49 1.50
£1,000+ 0.80 1.00 0.80 1.00 1.00
Below £1,000+0.000.000.000.000.00



Savings Account
Immediate Access
 ANNUAL INTERESTMONTHLY INTEREST
  Net Rate
%		 Gross Rate/AER
%		 Net Rate
%		 Gross Rate
%		 AER
%
£50,000+ 1.60 2.00 1.59 1.98 2.00
£10,000+ 1.20 1.50 1.19 1.49 1.50
£5,000+ 0.80 1.00 0.80 1.00 1.00
£1,000+ 0.40 0.50 0.40 0.50 0.50
Below £1,000+ 0.00 0.00 0.00 0.00 0.00



High Interest Cheque Account
Current account with limited number of entries.
Overdrafts by arrangement.
Please note that the High Interest Cheque Account is available to existing customers only.
 ANNUAL INTERESTMONTHLY INTEREST
  Net Rate
%		 Gross Rate/AER
%		 Net Rate
%		 Gross Rate
%		 AER
%
£50,000+ 1.20 1.50 1.19 1.49 1.50
£10,000+ 0.72 0.90 0.72 0.90 0.90
£5,000+ 0.00 0.00 0.00 0.00 0.00
£1,000+ 0.00 0.00 0.00 0.00 0.00
Below £1,000+0.000.000.000.000.00


Fixed Rate Accounts & ISAs



Short Term Fixed Rate Deposits
£1,000 - £249,999
 INTEREST AT MATURITY
  Net Rate
%		 Gross Rate
%		 AER
%		 IMPORTANT

These rates can change on a daily basis. Please ring 0800 028 3746 for current rates.
7 Days 1.60 2.00 2.02
1 Month 2.48 3.10 3.14
3 Months 3.00 3.75 3.80
6 Months 3.16 3.95 3.99
9 Months 3.24 4.05 4.07


Short Term Fixed Rate Deposits
£250,000 - £999,999
 INTEREST AT MATURITY
  Net Rate
%		 Gross Rate
%		 AER
%		 IMPORTANT

These rates can change on a daily basis. Please ring 0800 028 3746 for current rates.
7 Days 1.60 2.00 2.02
1 Month 2.56 3.20 3.25
3 Months 3.08 3.85 3.91
6 Months 3.24 4.05 4.09
9 Months 3.32 4.15 4.17


Short Term Fixed Rate Deposits
£1,000,000+
 INTEREST AT MATURITY
  Net Rate
%		 Gross Rate
%		 AER
%		 IMPORTANT

These rates can change on a daily basis. Please ring 0800 028 3746 for current rates.
7 Days 1.60 2.00 2.02
1 Month 2.64 3.30 3.35
3 Months 3.16 3.95 4.01
6 Months 3.32 4.15 4.19
9 Months 3.40 4.25 4.27


Capital Millennium Bonds
£1,000+

Please note that in view of the reduction in Base Rate announced by the Bank of England on 6th November 2008 Julian Hodge Bank is temporarily withdrawing its Capital Millennium Bond and Fixed Rate ISA's for all New Applications. Updates will be posted on our website in due course.
 INTEREST AT MATURITYINTEREST MONTHLY
  Net Rate
%		 Gross Rate
%		 AER
%		 Net Rate
%		 Gross Rate
%		 AER
%
1 Year 4.00 5.00 5.00 3.91 4.89 5.00
2 Years 4.00 5.00 5.00 3.91 4.89 5.00
3 Years 4.00 5.00 5.00 3.91 4.89 5.00
4 Years 4.00 5.00 5.00 3.91 4.89 5.00
5 Years 4.00 5.00 5.00 3.91 4.89 5.00


Tax Free Accounts



ISAs
Please note that Variable Rate ISAs are currently not available.

Please also note that in view of the reduction in Base Rate announced by the Bank of England on 6th November 2008 Julian Hodge Bank is temporarily withdrawing its Capital Millennium Bond and Fixed Rate ISA's for all New Applications. Updates will be posted on our website in due course.
 Gross Rate/AER
%		 
Variable Rate ISAs
Cash ISA Tax Free 3.00 Tax Free
Fixed Rate Cash ISAs
1 Year Tax Free

5.00

 Tax Free
2 Years Tax Free 5.00 Tax Free
3 Years Tax Free 5.00 Tax Free
4 Years Tax Free 5.00 Tax Free
5 Years Tax Free 5.00 Tax Free



Adobe Acrobat Files

Click here to view the current interest rate table in Adobe PDF format

Previous Variable Interest Rates

14th October 2008 - 17th November 2008
15th April 2008 - 13th October 2008
12th February 2008 - 14th April 2008
18th December 2007 - 11th February 2008
11th July 2007 - 17th December 2007

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Glossary of Terms

Net Rate
This is the contractual rate of interest paid from which tax is deemed to have been deducted at the appropriate rate, currently 20%.
Gross Rate
The contractual rate of interest payable not taking into account the deduction of tax.
AER
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if paid and compounded each year.
Tax Free
This is the rate payable where interest is exempt from tax.