State Savings Interest Rates 2021

State Savings is the name used by the National Treasury Management Agency (NTMA) to describe the savings products offered to personal savers. Some people will refer to them as An Post Savings or Post Office Savings accounts. This is because An Post acts as an agent of the NTMA in relation to the sale and administration of all State Savings products (except Prize Bonds).


Interest Rates on State Savings Accounts Available Through An Post


  • 3-year Savings Bond (Issue 17)  1% total return (AER 0.33%)
  • 4-year National Solidarity Bond (Issue 6)  2% total return  (AER 0.5%)
  • 5 -year Savings Certificate (Issue 23)  3% total return  (AER 0.59%)
  • 10-year National Solidarity Bond (Issue 7) :  10% total return (AER 0.96%)

(AER is the Annual Equivalent Rate. The AER quoted assumes no early encashment.)


Prize Bonds

The variable rate used to calculate the monthly Prize Bond prize fund is 0.35%

Rates Checked January 28th 2021


See how these interest rates compare with the interest rates offered by banks in Ireland. Compare Savings Rates in Ireland

Some other ways to Invest Money in Ireland


State Savings money forms part of the National Debt of Ireland and is under the management of the NTMA, on behalf of the Minister for Finance.
The repayment of all State Savings money is a direct, unconditional obligation of the Irish Government.

State Savings Website