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Fixed Rate ISA (75) 30.11.2023


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Tax-free^ p.a./AER*
Fixed until 30.11.2023
Our competitive fixed rate cash ISA - for savers who don't need access to their tax-free savings until 30 November 2023
FSCS logo
Your savings are protected

Your eligible deposits with Coventry Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

For joint accounts eligible deposits are protected up to £170,000.

Please click here  FSCS protect  (PDF 3.7MB) for further information or visit www.fscs.org.uk

Do you want a competitive rate of tax-free interest? Can you put away a lump sum until the end of 30 November 2023?

We’ve designed this ISA for your 2018/2019 annual ISA allowance and/or some or all of your previous years’ ISA savings.

Summary box


Account name
Fixed Rate ISA (75) 30.11.2023
What is the interest rate?
  Annual interest
(Fixed until 30.11.2023)
Balance Tax-free^p.a./AER*
£0.01 plus 2.10%

The interest rate is fixed until 30 November 2023.


We calculate the interest daily and pay it annually, at the end of 30 November.

 

Interest can be added to the account or paid into another suitable account.

Can Coventry Building Society change the interest rate?

The interest rate is fixed.

 

No matter what happens to interest rates generally, we won’t change the rate for this account until it matures at the end of 30 November 2023.

What would the estimated balance be at the end of the fixed rate term based on a £1,000 deposit?

£1,109.50

 

This would be the balance after 60 months if £1,000 was paid in on 1 December 2018, all interest was paid back to the account, and no money was taken out or paid in.

 

This illustration is just an example to help you compare accounts. It does not take into account any individual circumstances.

How do I open and manage my account?

How to open and manage

  • Online Services
  • Call 0800 121 8899
  • By post
  • Pop into any branch
  • You must be aged 16 or over and a UK resident to open this statement-based account

How to put money into your account

  • You may pay up to £20,000 into this ISA in the 2018/2019 tax year. This is your annual ISA allowance.
  • You won’t be able to pay in more money in future tax years.
  • You may pay in money to this account, up to your annual ISA allowance, depending on how much money you have already paid into other types of ISA (e.g. stocks and shares).
  • Pay in cash or cheques in a branch
  • Post us a cheque
  • Set up transfers from an account with another bank or building society or another account with us
  • You can also transfer in current and/or previous years’ ISA savings using an ISA transfer. If you’re transferring in your current year’s savings then you must transfer all of it.

This is a limited issue ISA and you have a limited time to pay in.

 

We must receive the money you would like to invest in the account and any other payments in (including ISA transfer instructions) within 14 calendar days of us accepting your application, or while the account is still open to new investors, whichever is longer.

 

The minimum balance is £1.

Can I withdraw money?

You can’t take out part of the money

  • After the 14 day ‘cooling off period’, you can’t dip into your money before 30 November 2023.
  • You can close or transfer the ISA before 30 November 2023, but we charge you the equivalent to 180 days’ interest on the account balance.
  • You can close the ISA and keep the money tax free by moving the money to another ISA with us or another provider, using an ISA transfer. You can also move the money to another Coventry Building Society account, or to your named bank account, but in that case it will lose its tax-free status.

 

What happens when the ISA’s fixed period ends (matures)

  • This Fixed Rate ISA (75) will mature at midnight at the end of 30 November 2023.
  • We’ll write to you at least 14 days before this to let you know how you can re-invest your savings with us, take out some or all of your money or arrange an ISA transfer out of the account.
  • There’ll be a default option – another ISA with us. The length of the fixed period will be no longer and your options to take money out will be no more restrictive than those offered by your original account.
  • At maturity, the money in this account will be automatically re-invested into the default option unless you have asked us to do something else with it. However, you’ll have the option to take money out or even close your new ISA, without being charged within 21 days after the end of your fixed period.
Additional information

Fixed Rate ISA (75) is not a flexible ISA.


After you’ve opened the account, we won’t contact you to let you know when it closes to new investors. To find out if it’s still available, please contact us.

 

^Interest on ISAs is paid tax-free, that is without tax deducted. ISAs are a savings scheme initiated by the Government and are subject to change by them. For example the favourable tax treatment may not be maintained.

 

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

For full details, please see the Specific Terms for Fixed Rate ISA (75) and our General Terms and Conditions.


How to keep track of your account

We’ll issue you with a statement within a month of any money leaving your account. But don’t worry, we’ll never send you more than one statement a month. You can receive your statements by post. Or, if you use Online Services, you can go paperless and we’ll email you to remind you to view your statements.


If you change your mind

You have a 14 day cancellation period after you make your first payment into a Fixed Rate ISA (75). If you wish, you may change your mind and close the account within 14 days without notice, charge or loss of interest.

To do this, ask us at any branch, call us on 0800 121 8899 or write to us at: Head Office, Economic House, PO Box 9, High Street, Coventry, CV1 5QN.

If you do close the account within the 14 days, it will be treated as if this ISA was never opened, so you’d still be able to pay some/all of your annual ISA allowance into another cash ISA in the same tax year.


Not sure what to do?

We’re keen to help you make the right choice – have a chat with our specialists at any branch or by calling 0800 121 8899


If you’re not happy with our service

Please let us know. We take care to deal with problems quickly, thoroughly and fairly. If you’re still not satisfied when we’ve finished our complaints procedure, you can take your complaint to the Financial Ombudsman Service. For more information about the Ombudsman Service, visit their website: financial-ombudsman.org.uk.

Ways to apply


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This tool uses the latest data from moneyfacts.co.uk, an independent comparison service. Moneyfacts aim to include at least 95% of providers of UK-based personal savings accounts.

What’s missing? Our tool omits any accounts with special conditions for opening (for example, you have to already hold an account with the provider).

Remember: there’s more to a savings account than just the interest rate. You can compare access terms, how to pay in and other criteria – then make your own mind up.

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