5 Year | Issue 25

5 Year Savings Certificates

If you have a lump sum to save over the medium term, our 5 Year Savings Certificates are a secure way to earn interest on your savings.

  • 9% Total Return
  • 1.74% AER
  • Tax Free

Product Highlights

  • No fees, charges or commissions
  • Repayment directly to your bank account
  • Fixed rate of return
  • Minimum €50 up to maximum €120,000 per individual per issue
  • Register, view and manage your holdings online with State Savings Online
  • Access to your initial investment and any interest earned with 7 days notice 
  • To benefit from the full return, you must hold the product to maturity. See terms and conditions for details on the returns if you encash early
  • New Customers may purchase at the Post Office or by post. Existing customers may also purchase online or by phone
  • Terms and conditions apply
Find out more

Interest Rates & Returns

Returns based on €1,000 investment

Show yearly returns
TermAERInterestYour Return
Year 10.00%0.00%€1,000.00
Year 20.75%1.50%€1,015.00
Year 30.83%2.50%€1,025.00
Year 41.11%4.50%€1,045.00
Year 51.74%9.00%€1,090.00

Our 5 Year Savings Certificates are 100% State protected and tax free

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