5 Year | Issue 23

5 Year Savings Certificates

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

  • 3% Total Return
  • 0.59% AER
  • Tax Free

Product Highlights

  • 100% protected by the State
  • Tax free to Irish residents
  • No fees, charges or commissions
  • Fixed rate of return
  • Minimum €50 up to maximum €120,000 per individual per issue


  • 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
  • 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 20.10%0.20%€1,002.00
Year 30.10%0.30%€1,003.00
Year 40.12%0.50%€1,005.00
Year 50.59%3.00%€1,030.00

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

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