About Us
Established in Newport in 1869 to help local people build homes, we now help people across Wales and England buy properties and save for their future.
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Fixed Rate Bonds

When you invest your savings in one of our fixed rate bonds, the interest rate stays the same for the life of the bond.

Fixed Rate Bonds
Account Name Interest Rate (AER/Gross) Ways to open
6 Month Fixed Rate Bond 5.25% Online Branch or Agency
1 Year Fixed Rate Bond 5.55% Online Branch or Agency
2 Year Fixed Rate Bond 5.60% Online Branch or Agency
3 Year Fixed Rate Bond 5.35% Online Branch or Agency

Withdrawals are not permitted on the above products until maturity

Further details and T&Cs of each of our bonds can be found on the individual account pages.

Tracker Bonds
Please note we do not currently have any
Tracker Bonds on sale

The interest rate on tracker accounts tracks the Bank of England Bank Rate - if the Bank Rate rises or falls, so will the interest rate on our tracker accounts.

With tracker bonds, you deposit a lump sum when you open the account and cannot make any more deposits.


Savings terms explained

AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest were paid and added to your account each year.

Gross is the rate of interest payable before any tax is taken off.

Fixed interest means the rate stays the same until the account matures.

Variable interest means the rate can go up or down at any time. We will always publish our rate changes and give you with at least 30 days notice if the rate on one of your accounts is due to go down.

Tax-free means you will not pay any tax on your interest.

Tax year runs from 6 April to 5 April.

Business day is Monday to Friday excluding bank holidays.

Looking for the rate on a closed savings account?

Simply click on the links below to view:

Closed Fixed Rate Accounts

Closed Variable Rate Accounts

View our other savings products