5 Year | Issue 26

Savings Certificates

Save a lump sum for 5 years for a tax-free return with no fees, and access to your money should you ever need it.

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  • 12% Total Return
  • 2.29% AER
  • Tax Free

A smarter way to save

  • No fees, charges or commissions
  • Repayment to your bank account
  • Fixed rate of return
  • Minimum €50 up to maximum €120,000 per person per issue
  • Manage your holdings easily online with Ireland State Savings Online
  • To benefit from the full return, you must hold the product to maturity
  • You may cash in your products early and you will still get your original savings back in full with any interest due. See Terms and Conditions for full details
  • Ireland State Savings customers may purchase online, at the Post Office, by post or over the phone
  • Terms and conditions apply
Find out more

Interest Rates & Returns

Returns based on €1,000 investment
Show yearly returns
Term AER Interest Your Return
TermYear 1 AER0.00% Interest0.00% Your Return€1,000.00
TermYear 2 AER1.00% Interest2.00% Your Return€1,020.00
TermYear 3 AER1.07% Interest3.25% Your Return€1,032.50
TermYear 4 AER1.47% Interest6.00% Your Return€1,060.00
TermYear 5 AER2.29% Interest12.00% Your Return€1,120.00

Our 5 Year Savings Certificate is 100% State protected and tax-free

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Frequently asked questions

Forms & Downloads

    See Help & Support for more

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