Fixed rates

Sensible savings for a reassuring future

When you’re really serious about money, and peace of mind tops your list of must-have features, you need to take a look at our fixed-rate, fixed-term savings accounts. With fixed returns you can look ahead with complete confidence.

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How much interest will I earn?
Find out how rewarding your savings can be

Account type
Everyday classic accounts
Savings with a bonus
Tax-free savings - Cash ISAs
Fixed rates
Children's savings

C&G Three Year Step – Issue 6

Main Features

  • Three Year Step Bond Issue 6
  • Open an account with £500 or more
  • Withdrawals are allowed, subject to a charge equivalent to 120 days' gross interest on the amount withdrawn at Year 1 rate
  • Fixed stepped interest rates until 19 February 2015
  • Your C&G Three Year Step Bond is for a fixed term and will mature on the date that is set at the outset. This means that the actual term of your bond may be longer than three years depending when you first open the account
  • No interest is paid on balances below £100

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Important information

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
Year 1 £100+ 3.75 3.75 3.00
Year 2 £100+ 4.25 4.25 3.40
Year 3 £100+ 4.75 4.75 3.80
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
Year 1 £100+ 3.69 3.75 2.95
Year 2 £100+ 4.17 4.25 3.34
Year 3 £100+ 4.65 4.75 3.72

Interest rates effective from 19/12/11



C&G One Year Fixed Rate Bond – Issue 91

Main Features

  • One-Year Fixed-Rate Bond Issue 91
  • Open an account with £500 or more
  • Emergency withdrawal facility – subject to a charge equivalent to 120 days’ gross interest on the amount withdrawn
  • Fixed interest rate until 13 February 2013
  • No interest is paid on balances below £100

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Important information

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 2.05 2.05 1.64
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 2.03 2.05 1.62

Interest rates effective from 03/01/12



C&G Two Year Fixed Rate Bond – Issue 92

Main Features

  • Two Year Fixed Rate Bond Issue 92
  • Open an account with £500 or more
  • Emergency withdrawal facility – subject to a charge equivalent to 120 days’ gross interest on the amount withdrawn
  • Fixed interest rate until 19 February 2014
  • No interest is paid on balances below £100

Learn more

Important information

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.80 3.80 3.04
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.74 3.80 2.99

Interest rates effective from 03/01/12



i AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

ii Net interest is paid or credited after deduction of income tax at the lower rate of 20%.

iii Gross interest is the rate payable before the deduction of income tax and can only be paid or credited subject to the required certification. Interest cannot be paid gross to individuals not ordinarily resident in the UK for tax purposes. Individuals whose income falls within the basic rate band will have no more tax to pay on their interest.  Individuals who are higher rate taxpayers will have to pay the extra tax due on their interest (the difference between tax deducted at 20% and the highest rate of 50%).

Rate changes to a C&G account or to other generally available accounts can affect an account's relative competitiveness and we do not promise that our rates will be better than those available elsewhere. If your balance falls below the minimum shown in the tables, please refer to the conditions of that account or ask for details.

Products can change frequently and without notice, therefore please reload the page if viewing offline or through stored information on your computer.

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C&G Cash ISA