5 Year | Issue 25

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.

  • 9% Total Return
  • 1.74% 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 AER0.75% Interest1.50% Your Return€1,015.00
TermYear 3 AER0.83% Interest2.50% Your Return€1,025.00
TermYear 4 AER1.11% Interest4.50% Your Return€1,045.00
TermYear 5 AER1.74% Interest9.00% Your Return€1,090.00

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

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