Previous Closed Account Interest Rates
Interest rates as of 3rd April 2009 (unless otherwise indicated).
View our current accounts interest rates
View the previous rates of these accounts
Maturity +
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1 - £1,000,000 |
1.50% |
1.20% |
1.50% |
| Monthly Interest |
|
|
|
| £1,000 - £1,000,000 |
1.25% |
1.00% |
1.25% |
Guaranteed not to fall further than 0.25% below the Bank of England Base Rate until 6th January 2012.
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Maturity + Cash ISA
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1 + |
1.50% |
- |
1.50% |
Guaranteed not to fall further than 0.25% below the Bank of England Base Rate until 6th January 2012.
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Newcastle Online Saver
| Account Type |
Gross Rate % |
AER % |
| Annual (Variable) |
|
|
| £1 - £500,000 |
2.50% |
2.50% |
| Monthly (Variable) |
|
|
| £1,000 - £500,000 |
2.25% |
2.27% |
Interest will be paid after the deduction of income tax at the appropriate rate unless you request otherwise.
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Newcastle ISA+ (Issue 3)
| Account Type |
Gross Rate % |
|
AER % |
| Annual (Variable) |
|
|
|
| £1 - £3,600 |
2.50% |
N/A |
2.50% |
This account is subject to ISA subscription limits.
Rate effective from 7 January 2010.
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Newcastle ISA+ (Issue 2)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £3,600 & Over |
2.00% |
N/A |
2.00% |
| £1 - £3,600 |
1.50% |
N/A |
1.50% |
This account is subject to ISA subscription limits.
Rate effective from 7 January 2010.
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Newcastle ISA+
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £3,000+ |
2.50% |
N/A |
2.50% |
| £1 - £2,999 |
2.00% |
N/A |
2.00% |
This account is subject to ISA subscription limits.
Rate effective from 7 January 2010
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60 Day Saver (Issue 1)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £500 - £1,000,000 |
0.05% |
0.04% |
0.05% |
| Monthly Interest |
|
|
|
| £5,000 - £1,000,000 |
0.05% |
0.04% |
0.05% |
Rate effective 6th February 2009.
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60 Day Saver (Issue 2)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £500 - £1,000,000 |
0.25% |
0.20% |
0.25% |
| Monthly Interest |
|
|
|
| £5,000 - £1,000,000 |
0.05% |
0.04% |
0.05% |
Withdrawals subject to 60 days loss of interest. Rate effective 6th February 2009.
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60 Day Saver ISA
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £500 - £1,000,000 |
0.05% |
N/A |
0.05% |
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Variable Online ISA
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1 - £1,000,000 |
1.10% |
N/A |
1.10% |
This account is subject to ISA subscription limits.
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Savings Account (Formerly AMP Saving Account)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £25,000 - £250,000 |
0.10% |
0.08% |
0.10% |
| £10,000 - £24,999 |
0.10% |
0.08% |
0.10% |
| £5,000 - £9,999 |
0.10% |
0.08% |
0.10% |
| £500 - £4,999 |
0.10% |
0.08% |
0.10% |
| £1 - £499 |
0.10% |
0.08% |
0.10% |
Rate shown excludes a bonus of 0.50% added to the account, if at least two deposits have been made (which when combined amount to at least £300) and no withdrawals have been made in the 12 months up to, and including 20th March each year. This amount will be included in the annual interest that is paid on 31st March.
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NewcastleNet Bonus Account (1)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1,000 - £1,000,000 |
1.69% |
1.43% |
1.69% |
| Monthly Interest |
|
|
|
| £1,000 - £1,000,000 |
1.54% |
1.31% |
1.54% |
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NewcastleNet Savings Account (Issue 1 & 2)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £10,000 - £500,000 |
0.59% |
0.47% |
0.59% |
| £1,000 - £9,999 |
0.44% |
0.35% |
0.44% |
| Monthly Interest |
|
|
|
| £10,000 - £500,000 |
0.44% |
0.35% |
0.44% |
| £1,000 - £9,999 |
0.29% |
0.23% |
0.29% |
Rate effective 6 February 2009.
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NewcastleNet Savings Account (Issue 3)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1 - £1,000,000 |
0.59% |
0.47% |
0.59% |
| Monthly Interest |
|
|
|
| £1,000 - £1,000,000 |
0.44% |
0.35% |
0.44% |
Rate effective 6 February 2009.
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NewcastleNet Savings Account (Issue 4)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1 - £1,000,000 |
0.84% |
0.67% |
0.84% |
| Monthly Interest |
|
|
|
| £1,000 - £1,000,000 |
0.69% |
0.55% |
0.69% |
Where the balance falls below £1,000 Nova Plus rate applies. Rate effective 6 February 2009.
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NewcastleNet Savings Account (Issue 5)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1 - £1,000,000 |
0.84% |
0.67% |
0.84% |
| Monthly Interest |
|
|
|
| £1,000 - £1,000,000 |
0.69% |
0.55% |
0.69% |
Where the balance falls below £1,000 Nova Plus rate applies. Rate effective 6 February 2009.
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NewcastleNet Savings (Issue 6) / NewcastleNet Savings & Shares
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1 - £1,000,000 |
0.84% |
0.67% |
0.84% |
| Monthly Interest |
|
|
|
| £1 - £1,000,000 |
0.69% |
0.55% |
0.69% |
This product is available exclusively via the Internet. Rate effective 6 February 2009.
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Notice+
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £15,000 - £1,000,000 |
1.40% |
1.12% |
1.00% |
| £1 - £14,999 |
1.10% |
0.88% |
0.70% |
| Monthly Interest |
|
|
|
| £15,000 - £1,000,000 |
1.15% |
0.92% |
0.75% |
| £1 - £14,999 |
0.85% |
0.68% |
0.45% |
Gross rates include a bonus of 0.40% payable until 20th April 2009
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Direct 50
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £100,000 - £300,000 |
0.20% |
0.16% |
0.20% |
| Monthly Interest |
|
|
|
| £100,000 - £300,000 |
0.10% |
0.08% |
0.10% |
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Direct 60
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £200,000 - £500,000 |
0.55% |
0.44% |
0.55% |
| £100,000 - £199,999 |
0.40% |
0.32% |
0.40% |
| £75,000 - £99,999 |
0.30% |
0.24% |
0.30% |
| Monthly Interest |
|
|
|
| £200,000 - £500,000 |
0.30% |
0.24% |
0.30% |
| £100,000 - £199,999 |
0.15% |
0.12% |
0.15% |
| £75,000 - £99,999 |
0.05% |
0.04% |
0.05% |
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Nova 50
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £50,000 - £300,000 |
0.05% |
0.04% |
0.05% |
| Monthly Interest |
|
|
|
| £50,000 - £300,000 |
0.05% |
0.04% |
0.05% |
If the account falls below £50,000 it will be closed immediately subject to 50 days loss of interest.
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Nova Plus / Nova Gross / No Notice Deposit Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £50,000 - £300,000 |
0.01% |
0.01% |
0.01% |
| £10,000 - £49,999 |
0.01% |
0.01% |
0.01% |
| £5,000 - £9,999 |
0.01% |
0.01% |
0.01% |
| £500 - £4,999 |
0.01% |
0.01% |
0.01% |
| £1 - £499 |
0.01% |
0.01% |
0.01% |
| Monthly Interest |
|
|
|
| £50,000 - £300,000 |
0.01% |
0.01% |
0.01% |
| £10,000 - £49,999 |
0.01% |
0.01% |
0.01% |
| £5,000 - £9,999 |
0.01% |
0.01% |
0.01% |
Including closed issues transferred on maturity, net rates do not apply to Nova Gross.
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High / Extra High Interest Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £250 - £300,000 |
0.01% |
0.01% |
0.01% |
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Newcastle Notice
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £50,000+ |
0.01% |
0.01% |
0.01% |
| £10,000 - £49,999 |
0.01% |
0.01% |
0.01% |
| £5,000 - £9,999 |
0.01% |
0.01% |
0.01% |
| £500 - £4,999 |
0.01% |
0.01% |
0.01% |
| £1 - £499 |
0.01% |
0.01% |
0.01% |
| Monthly Interest |
|
|
|
| £50,000+ |
0.01% |
0.01% |
0.01% |
| £10,000 - £49,999 |
0.01% |
0.01% |
0.01% |
| £5,000 - £9,999 |
0.01% |
0.01% |
0.01% |
| £500 - £4,999 |
0.01% |
0.01% |
0.01% |
| £1 - £499 |
0.01% |
0.01% |
0.01% |
Formally Nova Star (Issue 9).
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Nova Super Feeder (S.A.Y.E. Feeder Account)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £5,000 - £300,000 |
0.01% |
0.01% |
0.01% |
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Portfolio Plus
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £10,000 - £300,000 |
0.30% |
0.24% |
0.30% |
| £1,000 - £9,999 |
0.05% |
0.04% |
0.05% |
| £1 - £999 |
0.01% |
0.01% |
0.01% |
| Monthly Interest |
|
|
|
| £10,000 - £300,000 |
0.30% |
0.24% |
0.30% |
| £1 - £9,999 |
0.01% |
0.01% |
0.01% |
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Nova Feeder (S.A.Y.E. Feeder Account)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1 - £1,200 |
0.01% |
0.01% |
0.01% |
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Small Savers Account / Small Savers Deposit Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1 - £999 |
0.01% |
0.01% |
0.01% |
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Club Account / Club Deposit Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £50,000 - £99,999 |
0.01% |
0.01% |
0.01% |
| £1 - £49,999 |
0.01% |
0.01% |
0.01% |
Monthly interest available on balances of £5,000 or more. This product was only available to charities, clubs and associations.
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Nova Choice
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £50,000 - £100,000 |
0.86% |
0.69% |
0.01% |
| £25,000 - £49,999 |
0.86% |
0.69% |
0.01% |
| £1,000 - £24,999 |
0.86% |
0.69% |
0.01% |
| Monthly Interest |
|
|
|
| £50,000 - £100,000 |
0.86% |
0.69% |
0.01% |
| £25,000 - £49,999 |
0.86% |
0.69% |
0.01% |
| £1,000 - £24,999 |
0.86% |
0.69% |
0.01% |
This account is only available to customers with maturing accounts. 0.85% rate reduction for more than 2 withdrawals between 1st December and 30th November each year. Minimum balance may vary depending on maturity issue.
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Base Rate Plus Bond (Issue 1)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £10,000 - £500,000 |
0.51% |
0.41% |
0.51% |
| Monthly Interest |
|
|
|
| £10,000 - £500,000 |
0.51% |
0.41% |
0.51% |
Rate effective 6 February 2009.
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Nova Select III (Exclusive to agent network)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £25,000 - £300,000 |
0.05% |
0.04% |
0.05% |
| £1,000 - £24,999 |
0.01% |
0.01% |
0.01% |
| Monthly Interest |
|
|
|
| £25,000 - £300,000 |
0.05% |
0.04% |
0.05% |
| £1,000 - £24,999 |
0.05% |
0.04% |
0.05% |
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Golden Imperial
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1 - £9,000 |
0.01% |
0.01% |
0.01% |
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TESSA Only ISA
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1 - £9,000 |
0.86% |
N/A |
0.01% |
This account is only available to customers with a matured TESSA account. 0.85% rate reduction for more than 2 withdrawals per tax year.
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Step Up Cash ISA
| Account Type |
Rate % |
| Annual Interest |
|
| £35,000+ |
1.75% |
| £24,000 - £35,999 |
1.60% |
| £18,000 - £23,999 |
1.45% |
| £6,000 - £17,999 |
1.30% |
| £1,000 - £5,999 |
1.00% |
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eSaver
| Account Type |
Rate % |
| Annual + ISA's |
1.00% |
| Monthly |
0.60% |
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ACCOUNTS FORMERLY AVAILABLE AS UNIVERSAL BUILDING SOCIETY ACCOUNTS
5 Year TESSA ISA
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1,000 minimum |
0.20% |
N/A |
0.20% |
Rates above effective after 5 years.
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3 Year TESSA ISA
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1,000 minimum |
0.01% |
N/A |
0.01% |
Rates above effective after 3 years.
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Cash ISA
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1+ |
0.30% |
N/A |
0.30% |
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Bonus Plus
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1,000+ |
0.45% |
0.36% |
0.45% |
| £1 - £999 |
0.01% |
0.01% |
0.01% |
| Annual Interest (Excluding Bonus) |
|
|
|
| £1,000+ |
0.20% |
0.16% |
0.20% |
| £1 - £999 |
0.01% |
0.01% |
0.01% |
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Future Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £10 - £300,000 |
0.90% |
0.72% |
0.90% |
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80 Day Notice Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £50,000+ |
0.01% |
0.01% |
0.01% |
| £25,000 - £49,999 |
0.01% |
0.01% |
0.01% |
| £10,000 - £24,999 |
0.01% |
0.01% |
0.01% |
| £5,000 - £9,999 |
0.01% |
0.01% |
0.01% |
| £1,000 - £4,999 |
0.01% |
0.01% |
0.01% |
| £1 - £999 |
0.01% |
0.01% |
0.01% |
| Monthly Interest |
|
|
|
| £50,000 - £300,000 |
0.01% |
0.01% |
0.01% |
| £25,000 - £49,999 |
0.01% |
0.01% |
0.01% |
| £10,000 - £24,999 |
0.01% |
0.01% |
0.01% |
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60 Day Notice Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £100,000+ |
0.01% |
0.01% |
0.01% |
| £50,000 - £99,999 |
0.01% |
0.01% |
0.01% |
| £25,000 - £49,999 |
0.01% |
0.01% |
0.01% |
| £10,000 - £24,999 |
0.01% |
0.01% |
0.01% |
| £5,000 - £9,999 |
0.01% |
0.01% |
0.01% |
| £500 - £4,999 |
0.01% |
0.01% |
0.01% |
| £1 - £499 |
0.01% |
0.01% |
0.01% |
| Monthly Interest |
|
|
|
| £100,000+ |
0.01% |
0.01% |
0.01% |
| £50,000 - £99,999 |
0.01% |
0.01% |
0.01% |
| £25,000 - £49,999 |
0.01% |
0.01% |
0.01% |
| £10,000 - £24,999 |
0.01% |
0.01% |
0.01% |
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Regular Saver Plus
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1+ |
2.10% |
1.68% |
0.10% |
Gross rate includes a bonus of 2.00% paid annually on anniversary of account opening.
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Money Spinner Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £10,000+ |
0.01% |
0.01% |
0.01% |
| £5,000 - £9,999 |
0.01% |
0.01% |
0.01% |
| £2,500 - £4,999 |
0.01% |
0.01% |
0.01% |
| £100 - £2,499 |
0.01% |
0.01% |
0.01% |
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Young Money Spinner Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £10+ |
0.01% |
0.01% |
0.01% |
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Young Saver
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1+ |
0.01% |
0.01% |
0.01% |
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Money Master Min Opening Balance £10
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £20,000+ |
0.01% |
0.01% |
0.01% |
| £10,000 - £19,999 |
0.01% |
0.01% |
0.01% |
| £5,000 - £9,999 |
0.01% |
0.01% |
0.01% |
| £250 - £4,999 |
0.01% |
0.01% |
0.01% |
| £1 - £249 |
0.01% |
0.01% |
0.01% |
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Matured TESSA
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1+ |
0.01% |
N/A |
0.01% |
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TESSA Interest
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1+ |
0.20% |
N/A |
0.20% |
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Trustee Deposit Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £5,000+ |
0.01% |
0.01% |
0.01% |
| £1 - £4,999 |
0.01% |
0.01% |
0.01% |
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Treasurers Trustee Deposit Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £5,000+ |
0.01% |
0.01% |
0.01% |
| £1 - £4,999 |
0.01% |
0.01% |
0.01% |
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Client Deposit Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1+ |
0.05% |
0.04% |
0.05% |
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Prime Time Over 50s Only
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £5,000+ |
0.45% |
0.36% |
0.45% |
| £1 - £4,999 |
0.45% |
0.36% |
0.45% |
| Monthly Interest |
|
|
|
| £5,000+ |
0.20% |
0.16% |
0.20% |
| £1 - £4,999 |
0.20% |
0.16% |
0.20% |
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Portfolio Plus (Excluding bonus)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £3,000+ |
0.01% |
0.01% |
0.01% |
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Secure Savings Bond Options 1 & 2
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1+ |
0.01% |
0.01% |
0.01% |
| Monthly Interest |
|
|
|
| £1+ |
0.01% |
0.01% |
0.01% |
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90 Day Notice Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £50,000+ |
0.01% |
0.01% |
0.01% |
| £25,000 - £49,999 |
0.01% |
0.01% |
0.01% |
| £10,000 - £24,999 |
0.01% |
0.01% |
0.01% |
| £5,000 - £9,999 |
0.01% |
0.01% |
0.01% |
| £500 - £4,999 |
0.01% |
0.01% |
0.01% |
| £1 - £499 |
0.01% |
0.01% |
0.01% |
| Monthly Interest |
|
|
|
| £50,000+ |
0.01% |
0.01% |
0.01% |
| £25,000 - £49,999 |
0.01% |
0.01% |
0.01% |
| £10,000 - £24,999 |
0.01% |
0.01% |
0.01% |
| £5,000 - £9,999 |
0.01% |
0.01% |
0.01% |
| £500 - £4,999 |
0.01% |
0.01% |
0.01% |
| £1 - £499 |
0.01% |
0.01% |
0.01% |
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50 Day Notice Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £50,000 - £99,999 |
0.01% |
0.01% |
0.01% |
| £10,000 - £49,999 |
0.01% |
0.01% |
0.01% |
| £1,000 - £9,999 |
0.01% |
0.01% |
0.01% |
| £1 - £999 |
0.01% |
0.01% |
0.01% |
| Monthly Interest |
|
|
|
| £50,000 - £99,999 |
0.01% |
0.01% |
0.01% |
| £10,000 - £49,999 |
0.01% |
0.01% |
0.01% |
| £1,000 - £9,999 |
0.01% |
0.01% |
0.01% |
| £1 - £999 |
0.01% |
0.01% |
0.01% |
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TESSA only ISA
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1+ |
0.01% |
N/A |
0.01% |
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Regular Savings/Reward Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1+ |
0.01% |
0.01% |
0.01% |
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Portfolio Investment Easy Access Account
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1+ |
0.01% |
0.01% |
0.01% |
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Direct Tracker (Issue 1)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1+ |
0.50% |
0.40% |
0.50% |
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Tracker Two (Under £1,000)
| Account Type |
Gross Rate % |
Net Rate % |
AER % |
| Annual Interest |
|
|
|
| £1 - £999 |
0.05% |
0.04% |
0.05% |
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"Gross" interest is the contractual rate of interest payable before the deduction of income tax. "AER" stands for the Annual Equivalent Rate, a notional rate which illustrates what the interest rate would be if paid and compounded on an annual basis.
