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Fixed term savings accounts and bonds

Fixed term savings accounts are longer term deposits, ideal for customers who don't need access to their money for a fixed period of time. You can choose from our fixed rate bonds or our fixed rate Cash ISAs.

Fixed rate cash ISAs

If you haven't made the most of your tax free cash ISA allowance see our fixed rate tax free savings accounts.

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Account
name

Interest rate

Minimum
opening
balance

Interest type

Withdrawals

Term

2 Year Fixed Rate ISA (yearly interest)2 Year Fixed Rate ISA (yearly interest)

1.50%
Tax free/ AER fixed

£1

 Fixed

Permitted subject to a loss of interest charge

2 Year Fixed Rate ISA (yearly interest)See Summary Box for details

2 Year Fixed Rate ISA pays a fixed interest rate for 2 years. Interest is paid annually on the anniversary of the first deposit. At the end of your Fixed Rate ISA term, your account will change into a variable rate Standard Saver Postal ISA. We will contact you before this happens.

For more information on this account go to: www.birminghammidshires.co.uk/standardsaveraccounts/

2 Year Fixed Rate ISA (monthly interest)2 Year Fixed Rate ISA (monthly interest)

1.49% Tax free
1.50% AER fixed

£1

 Fixed

Permitted subject to a loss of interest charge

2 Year Fixed Rate ISA (monthly interest)See Summary Box for details

2 Year Fixed Rate ISA pays a fixed interest rate for 2 years. Interest is paid monthly on the first bank working day of each month. At the end of the term your account automatically changes to a Standard Saver Postal ISA Account.

For more information on this account go to: www.birminghammidshires.co.uk/standardsaveraccounts/

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FSCS – protecting your money. Find out more here.

Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs.

AER means Annual Equivalent Rate. AER illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers.

Tax free is the contractual rate of interest payable where interest is exempt from income tax.

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Birmingham Midshires is a division of Bank of Scotland plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. Registered office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland No. SC327000.
To contact the FCA Consumer helpline, please ring 0800 111 6768. Alternatively call the Money Advice Service on 0300 500 5000 or visit www.moneyadviceservice.org.uk.