Saving today for Tomorrow’s Future

Rates

Savings and Money Market Accounts

Accounts Tier Interest Rate APY
SIB-SHORE TRUST Money Market £5,000 - £14,999.99
£15,000.00 - £29,999.99
£30,000.00 +
0.25%
0.35%
0.60%
0.25%
0.35%
0.60%
SIB-SHORE TRUST Savings £100 - £999.99
£1,000.00 - £4,999.99
£5,000.00 +
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
SIB-SHORE TRUST Really Green Savings £0 - £25,000.99
£25,001.00 +
0.50%
0.20%
0.50%
0.20%
SIB-SHORE TRUST Youth Savings £0 - £999.99
£1,000.00 - £4,999.99
£5,000.00 +
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
(As of November 01, 2019)

Checking

Account Tier Interest Rates APY
SIB-SHORE TRUST Checking £0 - £999.99
£1,000.00 +
0.00%
0.10%
0.00%
0.10%
SIB-SHORE TRUST Really Green Checking £0 - £25,000.99
£25,001.00 +
1.25%
0.10%
1.26%
0.10%
SIB-SHORE TRUST Community Service Checking £0 - £999.99
£1,000.00 +
0.00%
0.10%
0.00%
0.10%
SIB-SHORE TRUST Money Management £5,000 - £14,999.99
£15,000.00 - £29,99.99
£30,000.00 +
0.10%
0.20%
0.30%
0.10%
0.20%
0.30%

(As of November 01, 2019)

*For your savings, money market and checking account, your annual percentage yield may change, at our discretion, at any time. If you close your account before interest is credited, you many not receive the accrued interest. The range your daily balance falls within determines the annual percentage yield paid on your entire account balance. Fees may reduce earnings. *Savings and Money Market accounts are compounded quarterly. *Checking accounts are compounded monthly.  APY is Annual Percentage Yield.

Certificates of Deposit and IRA's

Terms Interest Rate APY
180 days 0.50% 0.50%
1 year 1.05% 1.05%
15 month  1.75%  1.75% 
18 months 1.15% 1.15%
2 year 1.30% 1.30%
27 month 1.85% 1.85%
3 year 1.55% 1.55%
42 month 1.95% 1.95%

(As of January 16, 2020) 

APY is Annual Percentage Yield.  The minimum opening deposit is £1,000.  £1,000 is the minimum balance required to earn the annual percentage yield.
There may be penalties for early withdrawal:

  • 180 day Certificate of Deposit – 3 months interest
  • All other Certificates of Deposit – 6 months interest

The 180 day, and 1 year CD - interest is credited at maturity. All other CD’s compound annually.  All certificates are automatically renewable.  The 15 month CD renews into a 12 month term.  The 27 month CD renews into a 24 month term.  The 42 month CD renews into a 36 month term.  Interest rates on Certificates of Deposit are at fixed rates and are paid for the term of the deposit until maturity.  There will be a 7 day interest penalty on the amount withdrawn if the withdrawal is made within the first 6 days after the deposit.

Policy Statement

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