State Savings Interest Rates 2020

  • 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 22)  5% total returne  (AER 0.98%)
  • 10-year National Solidarity Bond (Issue 5) :  16% total return (AER 1.5%) (Was previously 30% when launched )

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

The variable rate used to calculate the monthly Prize Bond prize fund is 0.5%

Rates Checked November 2020


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

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

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.
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State Savings Website