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Charity Bond
A charitable, fixed-term investment with a guaranteed rate
The Royal Bank of Scotland Charity Bond is specifically designed for registered charities and not for profit organisations. It could be the ideal investment vehicle for funds that you don't need immediately.
As well as a bond value that reflects your available funds, you can look forward to a guaranteed fixed rate of interest. As a result, cash management will become easier because you will have guaranteed returns.
If the unexpected does happen, our no-penalty break clause means your charity won't be left without the funds it needs. And we add a loyalty bonus to all renewed investments.
Rates
- Published rates - we publish our rates for fixed term bonds, which eliminates unwelcome surprises with rates
- Banded rates - the larger your balance, the higher the interest rate
- Guaranteed rates - the rate is guaranteed for the period of the bond, with capital and interest paid on maturity
- Fixed interest - the bond's rate of interest, once fixed, won't fluctuate with the markets
- No penalty break clause - subject to qualifying criteria, your charity will be able to break the bond without charge
- Loyalty bonus - we add a bonus to all renewed investments
Flexibility
- Choice - our range of Charity Bond fixtures means you will be able to find an investment that suits your charity
- £10,000 minimum deposit - and the maximum is £5 million
- Unlimited holdings - we do not restrict the number of bonds held
Security Benefits
- No risk to capital - protection for the life of the bond
New rates with effect from 14th November 2008
| Corporate Bond Balance | 3 Month Bond % Gross | 6 Month Bond % Gross | 12 Month Bond % Gross |
|---|---|---|---|
| £1,000,000 - £5,000,000 | 3.73 | 3.76 | 3.78 |
| £500,000 - £999,999 | 3.70 | 3.73 | 3.75 |
| £250,000 - £499,999 | 3.64 | 3.67 | 3.69 |
| £100,000 - £249,999 | 3.60 | 3.63 | 3.65 |
| £25,000 - £99,999 | 3.55 | 3.58 | 3.60 |
| £10,000 - £24,999 | 3.53 | 3.56 | 3.58 |
Interest is paid on maturity or when the Bond is closed.
A Charity Bond can be broken without charge in emergencies in support of the main charitable cause.
Non qualifying closure of the Bond may incur interest charges.
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