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Personal Fixed Term Deposit Interest Rates
 

Rates applicable from 13 May 2025.

Unsure about which account would best suit your savings goals? Visit Savings and Deposits to help you select the account which suits your needs or check out our Five Saving Tips. Find out how much interest you can earn from your savings with our Savings Calculator.

If you have €3 million or more to deposit, there may be alternative deposit options available to you through our Treasury team. Please contact your Relationship Manager or your branch for further details.

Product

Minimum Balance

 Term

Gross Return at Maturity %

A.E.R.%

Gross Annual Interest Rate %

Personal Fixed Term Deposit

€5,000

 6 Months
0.75%
 1.50% 1.50%
1 Year 2.00% 2.00% 2.00%
2 Years 4.55% 2.26% 2.25%
The above rate is indicative and subject to change without notice, this rate will apply to balances from €5,000. Rate applies to personal balances only. For other offers, please contact your branch.
AER is the total interest you get from your savings in one year. It includes the interest you earn on  interest, known as compound interest. AER helps you compare interest rates between different savings accounts and is the most common rate used for this purpose.

 

Fixed Term Deposit Account Example (for illustration purposes only):
An investment of €15,000 for 6 months (182 days) @1.5% annual rate will earn approximate gross return at maturity of €112.19, i.e. €15,000 x 1.5% / 365 x 182 = €112.19
This represents a gross interest at maturity over the 6-month term of 0.75%
Interest may be subject to D.I.R.T., at the prevailing  rate.

 

Further information on our deposit product offering.

What does Gross Return at Maturity % mean?

The Gross Return on Maturity % is the total rate of interest paid on your Fixed Term account over the selected term. This rate shows the interest you earn over the full term – 6 months, 1 year, or 2 year.

What does Annual Equivalent Rate (AER) % mean?

AER is the total interest you get from your savings in one year. It includes the interest you earn on  interest, known as compound interest. AER helps you compare interest rates between different savings accounts and is the most common rate used for this purpose.

What does Gross Annual Interest Rate % mean?

This is the annual interest rate applied to your account. A Gross Interest Rate does not include interest you earn on interest. This is the rate shown on your account statement.