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2 Year Fixed Rate ISA (Issue 99)

Rate

4.25 %
Tax-free PA/AER

Tax-free refers to the contractual rate of interest payable, where interest is exempt from income tax. The tax information provided is based on the current law and HM Revenue & Customs practice, both of which may change. 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.

  • Open with £1
  • Fixed rate until 24 April 2026
  • Withdrawals are permitted subject to 120 days loss of interest
  • Tax-free savings
  • Ideal for lump sum investments
  • Apply online or in branch

Summary information

Account Name

2 Year Fixed Rate ISA (Issue 99)

What is the interest rate?

Tax-free refers to the contractual rate of interest payable, where interest is exempt from income tax. The tax information provided is based on the current law and HM Revenue & Customs practice, both of which may change. 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.

Annual interest
4.25% Tax-free pa/AER
(Fixed until 24 April 2026)
Interest is paid on: 24 April 2025 and 24 April 2026

Monthly interest
4.17% Tax-free pa/4.25% AER
(Fixed until 24 April 2026)
Interest is paid on: Last working day of each calendar month


Can Newcastle Building Society change the interest rate?

The interest rate for this account is fixed and will not change until the maturity date (24 April 2026). Please refer to point 7 of the Product Special Conditions for further details.

What would the estimated balance be on the maturity date (24 April 2026), based on a £1,000 deposit

Monthly (Fixed): £1,086

Annual (Fixed): £1,086

Please note: This projection is provided for illustrative purposes only and does not take into account the customer’s individual circumstances. This projection is based on an initial £1,000 deposit and no further deposits or withdrawals are made.

How do I open and manage my account?

Opening your account: In branch or online. For existing online customers you can log into your Newcastle Building Society account to apply.

Giving us instructions for your account: In branch, by post, by telephone, online or by secure message (for accounts opened and operated online).

Minimum Opening Deposit: £1

Maximum Opening Deposit: Maximum ISA allowance for the current tax year, as prescribed by HM Revenue and Customs. Transfers from other ISA providers are also permitted.

Maximum Account Balance: No maximum balance. Please refer to point 4 of the Product Special Conditions for further details.

Can I withdraw money?

Withdrawals/transfers are permitted. Withdrawals prior to maturity will be subject to 120 days loss of interest. If insufficient interest has been earned then the penalty will be taken from your capital. Upon maturity (24 April 2026) your funds will roll into a default savings account which has easy access, with a variable interest rate.

Additional Information

Tax status: ISA interest is paid tax-free, which means it’s exempt from income tax. Tax rules may change in the future.

Ways to apply

Online

It will only take a few minutes to complete your application online.

Apply for a new account

In branch

Visit your local branch. If you’d like to open an account in-branch, you may need to arrange an appointment. Before visiting, please call ahead.