Cash ISAs - No longer on sale to new or existing customers

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C&G Cash ISA - No longer on sale to new or existing customers

Main Features

  • • Run your account at a branch, account also operates by post
    • Tax treatment depends on your individual circumstances and may change
  • • Save up to £15,240 in this tax year (less any amount invested in a stocks & shares ISA)
    • Make withdrawals from as little as £1. Once you've paid in your full year's cash ISA allowance, you can't replace
      any money you've withdrawn in the same tax year
    • Interest rates are variable and you don't pay tax on any interest that you earn

Cash ISA

Rates effective from 12th December 2013

Your savings
amount
Annual InterestMonthly Interest
Tax free/AER%AER%Tax free%
£1+ 0.20% 0.20% 0.20%

 

  Rates are variable

 



 
 

 

Fixed Rate ISA range - accounts opened from 21st May 2012 - No longer on sale to new or existing customers

Main Features

  • • Account operates by branch and post, you don't pay tax on any interest that you earn
    • Withdrawals are allowed, subject to a charge on the amount withdrawn 
  • • Depending on when the withdrawal is made, you may get back less than originally deposited
    • No further deposits are allowed to these accounts
    • Interest rate and maturity date are fixed at time of opening - maturity date is on the anniversary of account opening

C&G Fixed Rate ISA

TermIssue
number
Your
Savings
amount
Annual InterestMonthly InterestWithdrawal charge equivalent to
Tax free/AER%AER%Tax free%
2 year 1 £1+ 3.30% 3.30% 3.25% 180 days tax free interest earned
on amount withdrawn/transferred
3 year 1 £1+ 3.60% 3.60% 3.54% 270 days tax free interest earned
on amount withdrawn/transferred
4 year 1 £1+ 3.80% 3.80% 3.74% 320 days tax free interest earned
on amount withdrawn/transferred
5 year 1 £1+ 4.00% 4.00% 3.93% 365 days tax free interest earned
on amount withdrawn/transferred

 

 
 



 
 

 

Fixed Rate ISA - accounts opened prior to 21st May 2012 - No longer on sale to new or existing customers

Main Features

  • • Account operates by branch and post, you don't pay tax on any interest that you earn
    • Withdrawals are allowed, subject to a charge equivalent to 120 days interest 
  • • Depending on when the withdrawal is made, you may get back less than originally deposited
    • No further deposits are allowed to these accounts
    • Interest rate and maturity date are fixed at time of opening

C&G Fixed Rate ISA

  

Issue
number
Maturity
date
Your
Savings
amount
Annual InterestMonthly InterestWithdrawal charge equivalent to
Tax free/AER%AER%Tax free%
6 29-Apr-14 £100+ 3.95% 3.95% 3.88% 120 days tax free interest earned
on amount withdrawn/transferred
7 02-Jun-14 £100+ 3.95% 3.95% 3.88% 120 days tax free interest earned
on amount withdrawn/transferred
10 24-Oct-13 £100+ 3.50% 3.50% 3.45% 120 days tax free interest earned
on amount withdrawn/transferred
11 18-Dec-13 £100+ 3.50% 3.50% 3.45% 120 days tax free interest earned
on amount withdrawn/transferred
12 04-Mar-14 £100+ 3.35% 3.35% 3.30% 120 days tax free interest earned
on amount withdrawn/transferred
13 20-Apr-15 £100+ 3.90% 3.90% 3.83% 120 days tax free interest earned
on amount withdrawn/transferred
14 16-Jun-15 £100+ 3.90% 3.90% 3.83% 120 days tax free interest earned
on amount withdrawn/transferred

 

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 advertisement for a savings product, which quotes an interest rate, will contain an AER you will be able to compare more easily what return you can expect from your savings over time.

Tax-free is the contractual rate of interest payable where interest is exempt from income tax. Tax treatment depends on your individual circumstances and may change.