Previous rates and fees
Below you can find the previous interest rates on all our accounts and when they were available.
Annual or monthly interest can be chosen at account opening. Once chosen it cannot be altered at a later date.
AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.
EAR stands for Effective Annual Rate and represents the yearly cost of an overdraft, which takes account of how often we charge interest to the account, and does not include any other fees or charges. Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our general terms and conditions.
The gross rate is the interest rate that we pay where no income tax has been deducted.
Previous rates effective until 17 September 2023
| Account name | Tier | If interest is paid annually | If interest is paid monthly |
|---|---|---|---|
| cahoot Savings Account | £1+ | 1.05% AER/gross (variable) | 1.04% gross (variable) |
Previous rates effective until 14 August 2023
| Account name | Tier | If interest is paid annually | If interest is paid monthly |
|---|---|---|---|
| cahoot Savings Account | £1+ | 1.00% AER/gross (variable) | 1.00% gross (variable) |
Previous rates effective until 16 July 2023
| Account name | Tier | If interest is paid annually | If interest is paid monthly |
|---|---|---|---|
| cahoot Savings Account | £1+ | 0.90% AER/gross (variable) | 0.90% gross (variable) |
Previous rates effective until 3 July 2023
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.85% |
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.85% |
Previous rates effective until 1 June 2023
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.70% |
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.70% |
Previous rates effective until 27 March 2023
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.60% |
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.60% |
Previous rates effective until 20 February 2023
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.55% |
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.55% |
Previous rates effective until 18 December 2022
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.40% |
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.40% |
Previous rates effective until 1 December 2022
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.20% |
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.20% |
Previous rates effective until 2 October 2022
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.10% |
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.10% |
Previous rates effective until 5 April 2022
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.01% |
| account balance | Gross p.a. / AER |
|---|---|
| £1 plus | 0.01% |
Previous rates effective until 6 July 2020
Previous rates effective until 2 September 2018
Annual interest available from 14 August 2002 to date, monthly interest available from 28 June 2006 to date.
Previous rates effective until 3 December 2017
Annual interest available from 14 August 2002 to date, monthly interest available from 28 June 2006 to date.
Previous rates effective until 31 October 2016
Annual interest available from 14 August 2002 to date, monthly interest available from 28 June 2006 to date.
Above variable rates were correct from 8 June 2015. Please check the current 'Rates & Fees' page for the latest rates on this account.
Previous rates effective until 7 June 2015
The cahoot savings account rewarded customers with tiered variable rates, dependent upon the account balance. See the table below for full details.
Above tiered variable rates were correct from 1 May 2013. Please check the current 'Rates & Fees' page for the latest rates on this account.
Please note that the tier of interest above, applicable to the balance of the account, was applied to the total balance.
Annual or monthly interest was chosen at account opening. Once chosen it could not be altered at a later date.
Previous rates effective until 30 April 2013
(Originally a savings account, renamed a cahoot instant access savings account from 1 December 2012 to 30 April 2013, then renamed a cahoot savings account from 1 May 2013. Annual interest accounts were available from 14 August 2002, monthly interest accounts became available from 28 June 2006.)
The maximum deposit amount was £2,000,000. Deposits of more than £2,000,000 received a rate of 0.50% gross / AER (variable) on the total balance.
Above tiered variable rates were correct from 1 December 2011. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 24 June 2004 to 1 September 2004, this account was renamed a cahoot savings account from 1 May 2013.)
Above tiered variable rates were correct from 1 April 2009. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 30 September 2005 to 17 January 2006, this account was renamed a cahoot savings account from 1 May 2013.)
The maximum deposit on the cahoot bonus savings account was £125,000. Deposits of more than £125,000 received a rate of 0.10% gross / AER (variable) on the total balance.
Tiered variable rates were correct from 1 April 2009. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 29 September 2005 to 30 October 2008 only for customers with a matured cahoot 6 month fixed rate bond, this account was renamed a cahoot instant access savings account from 1 December 2012 to 30 April 2013, and then renamed a cahoot savings account from 1 May 2013.)
As of 1 July 2009, standard cahoot savings accounts rates applied across all tiers of the loyalty savings account.
Above tiered variable rates were correct from 1 December 2011. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available only for customers with an 18 month fixed rate bond (issue 1) which matured 1 February 2013. It rolled off into a cahoot instant access savings account on 2 February 2013, and then renamed a cahoot savings account from 1 May 2013.)
The cahoot 18 month bond maturity account paid the above rates for 24 months from 1 February 2011. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available only for customers with a matured 2 year fixed rate bond (issue 1) which matured 30 April 2011. It was renamed a cahoot savings account from 1 May 2013.)
The above rates, including a bonus of 2.25% gross/AER (variable) were payable for 24 months until maturity, after which the rate of 0.50% gross/AER (variable) applied. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 1 November 2011 only for customers with a matured 2 year fixed rate bond (issue 2), this account was renamed a cahoot instant access savings account from 2 November 2012, and then renamed a cahoot savings account from 1 May 2013.)
The cahoot 2 year fixed rate bond (issue 2) maturity account paid the above rates for one year from 2 November 2011. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 9 August 2011 to 5 September 2011.)
*Gross/AER based on funds deposited on 1 October 2011. Rates effective from 9 August 2011.
Interest paid annually on 1 October until maturity. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 14 November 2011 to 11 December 2011.)
*Gross/AER based on funds deposited on 10 January 2012. Rates effective from 14 November 2011. Interest paid annually on 10 January until maturity. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 12 February 2013 to 12 March 2013.)
*Gross/AER based on funds deposited on 1 April 2013. Rates effective from 12 February 2013. Interest paid annually on 1 April until maturity. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 27 February 2012 to 26 March 2012.)
*Gross/AER based on funds deposited on 1 May 2012. Rates effective from 27 February 2012. Interest paid annually on 1 May 2013. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 26 March 2012 to 23 April 2012.)
*Gross/AER based on funds deposited on 1 June 2012. Rates effective from 26 March 2012. Interest paid annually on 1 June 2013. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 23 April 2012 to 28 May 2012.)
*Gross/AER based on funds deposited on 2 July 2012. Rates effective from 23 April 2012. Interest paid annually on 2 July 2013. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 28 May 2012 to 25 June 2012.)
*Gross/AER based on funds deposited on 1 August 2012. Rates effective from 28 May 2012. Interest paid annually on 1 August 2013. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 25 June 2012 to 23 July 2012.)
*Gross/AER based on funds deposited on 2 September 2012. Rates effective from 25 June 2012. Interest paid annually on 2 September 2013. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 23 July 2012 to 10 September 2012.)
| Maturity date | Minimum Balance | Maximum Balance | Gross Rate p.a.(Annual) | AER* |
|---|---|---|---|---|
| 1 November 2013 | £25,000 | £2,000,000 | 3.60% | 3.60% |
*Gross/AER based on funds deposited on 1 November 2012. Rates effective from 23 July 2012. Interest paid at maturity on 1 November 2013. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 10 September 2012 to 8 October 2012.)
*Gross/AER based on funds deposited on 2 December 2012. Rates effective from 10 September 2012. Interest paid at maturity on 2 December 2013. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 8 October 2012 to 5 November 2012.)
*Gross/AER based on funds deposited on 1 January 2013. Rates effective from 8 October 2012. Interest paid at maturity on 1 January 2014. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.
(Available from 5 November 2012 to 17 December 2012.)
*Gross/AER based on funds deposited on 1 February 2013. Rates effective from 5 November 2012. Interest paid at maturity on 1 February 2014. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.
Previous rates effective until 7 June 2015
For screen reader users, please switch to tables mode to read the table below.
AER stands for annual equivalent rate and shows what the interest rate would be if we paid interest and compounded it (interest paid on interest) each year. Cash paid into your current account will earn interest from the following working day. These rates may change. We work out the interest for your account each day and pay it into your account each month.
Previous rates effective until 1 March 2009
A flexible way to take out and manage a loan. The cahoot flexible loan allowed you to make withdrawals as and when you wanted, and to make monthly or more frequent repayments allowing you to pay off the full loan whenever you wanted.
If you preferred to plan your borrowing, choosing a fixed rate loan once you'd decided the term and amount of your loan, meant you knew exactly what your repayments were and when your loan would be paid off.