Notices

Bond and ISA maturity reinvestment options

When your savings fixed rate ends we'll contact you about your options. Here you'll find details of the accounts available for reinvestment.

When your bond or ISA fixed rate ends, your money ‘matures’ and you get access to it. This is known as maturity.

When your maturity date is approaching you’ll need to decide what to do with your savings next.  We’ll send you a letter no later than 15 calendar days before maturity which will explain your maturity options. Please refer to this letter for more details. 

If your Fixed Rate Bond account has matured into to our Market Tracker Saver (2) please find the Product Features leaflet here, or if you hold a Fixed Rate Cash ISA that has matured in our Market Tracker Cash ISA (3) then you can find the Product Features leaflet here.

Below are details of the accounts currently available for reinvestment. See our withdrawn accounts for a list of accounts no longer available.

Accounts currently available*

*Please note: The reinvestment account(s) relevant to your Family Building Society or National Counties maturing savings bond or ISA will be specified in your maturity letter.

AccountBalanceGrossGross AER#
1 Year Fixed Rate Bond (62)   
Annual interest£10,000+3.90%3.90%
(Rates effective from 19 November 2025)£1,000+3.70%3.70%
    
Monthly interest£10,000+3.83%3.90%
(Rates effective from 19 November 2025)£5,000+3.64%3.70%
    
2 Year Fixed Rate Bond (47)   
Annual interest£10,000+3.90%3.90%
(Rates effective from 19 November 2025)£1,000+3.70%3.70%
    
Monthly interest£10,000+3.83%3.90%
(Rates effective from 19 November 2025)£5,000+3.64%3.70%
    
3 Year Fixed Rate Bond (48)   
Annual interest£10,000+3.95%3.95%
(Rates effective from 19 November 2025)£1,000+3.75%3.75%
    
Monthly interest£10,000+3.88%3.95%
(Rates effective from 19 November 2025)£5,000+3.69%3.75%
    
5 Year Fixed Rate Bond (42)   
Annual interest£10,000+4.00%4.00%
(Rates effective from 19 November 2025)£1,000+3.80%3.80%
    
Monthly interest£10,000+3.93%4.00%
(Rates effective from 19 November 2025)£5,000+3.74%3.80%

 

AccountBalanceGrossGross AER#
1 Year Fixed Rate Cash ISA (41)^   
Annual interest£1,000+3.80%3.80%
(Rates effective from 19 November 2025)   
    
2 Year Fixed Rate Cash ISA (35)^   
Annual interest£1,000+3.80%3.80%
(Rates effective from 19 November 2025)   
    
3 Year Fixed Rate Cash ISA (34)^   
Annual interest£1,000+3.85%3.85%
(Rates effective from 19 November 2025)   
    
5 Year Fixed Rate Cash ISA (37)^   
Annual interest£1,000+3.90%3.90%
(Rates effective from 19 November 2025)   
    
Market Tracker Cash ISA (3)^   
Annual Interest£1+4.19%4.19%
(Rates effective from 1 October 2025)


    
Annual Interest£1+4.03%4.03%
(Rates effective from 1 January 2026)   

AccountBalanceGrossGross AER#
Market Tracker Saver (2)
  
Annual Interest£1+4.14%4.14%
(Rate effective from 1 October 2025)


    
Annual Interest£1+3.98%3.98%
(Rate effective from 1 January 2026)   

Notes:

# AER stands for Annual Equivalent Rate and illustrates what the annual rate would be if interest was compounded.

^ Interest is paid tax-free as it is currently exempt from income tax. The future tax treatment of Individual Savings Accounts may vary.

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