Closed issue account rates

The current rates of our closed issue savings accounts are listed in the table below. If your account is not listed below it may be in our current issue rates section.

To view rates for our current issues, please visit our current rates page. If you require any further assistance please contact us.

Direct Saver Personal and Business	Effective From	Minimum Balance €**	Gross % PA ⁽¹⁾	net % PA ⁽²⁾	AER % ⁽³⁾
Direct Saver 30 Account (annual)	06/01/2010	1,000	1.40%	1.05%	1.40%
Direct Saver 30 Account (monthly)	06/01/2010	1,000	1.15%	0.86%	1.15%
Direct Saver 60 Account (annual)	05/02/2010	1,000	1.50%	1.12%	1.50%
Direct Saver 60 Account (monthly)	05/02/2010	1,000	1.25%	0.93%	1.25%

SSIA Account	Effective From	Minimum Balance €	Gross % PA ⁽¹⁾	net % PA ⁽²⁾	AER % ⁽³⁾
Direct Saver SSIA Matured Account	05/02/2010	1,000	0.50%	0.37%	0.50%

Business Reserve	Effective From	Minimum Balance €	Gross % PA ⁽¹⁾	net % PA ⁽²⁾	AER % ⁽³⁾
Direct Saver Business Reserve	05/02/2010	10,000	1.75%	1.31%	1.76%

Fixed Rate Bond	Effective From	Minimum Balance €	Gross % PA ⁽¹⁾	net % PA ⁽²⁾	AER % ⁽³⁾
Direct Saver Fixed Rate Bond Issue 18 (annual)	16/03/2009	1,000	3.50%	2.62%	3.50%
Direct Saver Fixed Rate Bond Issue 18 (monthly)	16/03/2009	1,000	3.25%	2.43%	3.29%
Direct Saver Fixed Rate Bond Issue 19 (annual)	19/05/2009	1,000	3.50%	2.62%	3.50%
Direct Saver Fixed Rate Bond Issue 19 (monthly)	19/05/2009	1,000	3.25%	2.43%	3.29%
Direct Saver Fixed Rate Bond Issue 20 (annual)	22/07/2009	1,000	3.50%	2.62%	3.50%
Direct Saver Fixed Rate Bond Issue 20 (monthly)	22/07/2009	1,000	3.25%	2.43%	3.29%
Direct Saver Fixed Rate Bond Issue 21 (annual)	28/09/2009	1,000	3.25%	2.43%	3.25%
Direct Saver Fixed Rate Bond Issue 21 (monthly)	28/09/2009	1,000	3.00%	2.25%	3.04%
Direct Saver Fixed Rate Bond Issue 22 (annual)	27/11/2009	1,000	2.75%	2.06%	2.75%
Direct Saver Fixed Rate Bond Issue 22 (monthly)	27/11/2009	1,000	2.50%	1.87%	2.52%
Direct Saver Fixed Rate Bond Issue 23 (annual)	25/01/2010	1,000	2.75%	2.06%	2.75%
Direct Saver Fixed Rate Bond Issue 23 (monthly)	25/01/2010	1,000	2.50%	1.87%	2.52%
Direct Saver Fixed Rate Bond Issue 24 (annual)	24/02/2010	1,000	2.75%	2.06%	2.75%
Direct Saver Fixed Rate Bond Issue 24 (monthly)	24/02/2010	1,000	2.50%	1.87%	2.52%
Direct Saver Fixed Rate Bond Issue 25 (annual)	16/03/2010	1,000	2.75%	2.06%	2.75%
Direct Saver Fixed Rate Bond Issue 25 (monthly)	16/03/2010	1,000	2.50%	1.87%	2.52%

Direct Saver Personal and Business	Effective From	Minimum Balance €**	Gross % PA ⁽¹⁾	net % PA ⁽²⁾	AER % ⁽³⁾
Direct Saver Matured Bond Account (annual)	08/12/2009	1,000	0.75%	0.56%	0.75%
Direct Saver Matured Bond Account (monthly)	08/12/2009	1,000	0.50%	0.37%	0.50%

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1. Interest earned will be subject to Deposit Interest Retention Tax (DIRT) at the prevailing rate (currently 25%). This tax will be deducted by us at source and paid in accordance with the applicable legislation. Should you be eligible for the refund of tax, enquiries should be sent to the Revenue Commissioners.

2. DIRT will automatically be deducted at the prevailing rate (currently 25%) from interest paid/credited to your account.

3. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.