We believe your money should be working hard for you, earning the best possible interest rate. Your funds should be reasonably accessible, when you need them, while ensuring a secure return on your savings. That is why we created the Freedom Personal Savings Account. The minimum subscription required to open a Freedom Personal Savings Account is €20,000.00.

The Freedom Personal Savings Account is available to all residents of the Republic of Ireland.

Features of the Freedom Account include:

• Highly competitive rates of interest:
  • With your Freedom Account the rate of interest the Society will pay you is 'tiered', the greater your balance, the higher the rate of interest.
    
    
• Rates of interest linked to the European Central Bank (ECB) rate:
  • The Society undertakes to offer a competitive rate of interest that will be within 1% of the ECB rate until 31 December 2008 after this date normal interest rates will apply.
  • The rate of interest payable on the account is set out on the first day of each calendar month.
  • If there is a variation in Interest rates, a rate change notification will be published in two national newspapers in accordance with the rules of the Society.
    
    
• Interest payments:
  • Interest is calculated on a daily basis and the rate of interest is adjusted automatically as the balance in your account changes.
  • Your interest can be automatically credited to your account on the last working day of each calendar month, paid by electronic transfer into another account with the Society, or paid into a bank account of your choice.
    
    
• Only 7 days notice required to access your funds:
  • When the 7 days notice has expired, simply call into your local office with your account passbook and withdrawal form. You will then be issued with a cheque for the required amount or you may transfer the funds to a pre-nominated bank account.
  • There is no cash withdrawal facility available on the account. Alternatively you may elect to pay a penalty equivalent to 7 days interest on the amount withdrawn. The minimum balance required should be maintained at all times.
    
    
• Simplicity:
  • You can open and operate an account at any of our branch or district offices throughout the country. Subsequent minimum lodgments must be at least €250 in either cheque, cash or electronic transfer.

Resources for this section:
Item
Current Rates
	File Size	File Format	Download
Freedom Account *	1816 kb
The following above file has been saved as Adobe Acrobat PDF file. You will need to have Adobe Reader installed on your computer. If you do not have Adobe Reader on your computer simply click the button below and follow the simple steps.

WARNING:
You must present your Account Passbook every time you withdraw funds from your account. In some circumstances you may be asked to provide current photographic I.D.

For further details contact your Local Branch or call + 353 (0)1 609 6490 or email: savings@inbs.ie

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