Medium-term investments for lump sums

Our Guaranteed Investment Bond is an easy way of investing your money and provides you with capital protection and a guaranteed return after five years.

Since the Society introduced the Bond in August 2016 there have been three versions (Series), some of which guarantee a slightly different rate of return.

Our current Investment Bond (Series 3) provides a guaranteed growth of 2.05% per annum gross if the investment remains in place until the maturity date. The interest compounds over the term (ie each year interest is added to the investment and previously accrued interest) and is equivalent to an overall return of 10.67% over the five year period.

If you would like to talk to us about our Guaranteed Investment Bond, please call us on 0161 8329361 (9am to 5pm Mon to Thurs and 9am to 4pm Friday). You can also reach us on

This Guaranteed Investment Bond is being marketed (sold) on a non-advised basis, and no advice given or sought (self sold). Whilst we can provide you with factual information, we cannot advise you on what to do.

  • AIMS
  • The Bond guarantees that you will get back at least what you put in, however, if you cash-in your investment before the end of five years, you will not be entitled to any growth in your lump sum.
  • The effect of inflation will reduce what your investment will buy in the future.
  • Tax rules may change, which could impact on what you get back, or affect your tax liability in relation to the policy.
  • A way to invest a lump sum for five years or more.
  • Capital protection for your investment throughout the term.
  • A guaranteed level of growth if you leave your policy invested for five years.
  • A guaranteed payment if you die.
  • A single premium investment of at least £1,000 with no further contributions.
  • The investment is designed to be held for at least five years.

If you've read through all the above and our Guaranteed Investment Bond sounds exactly what you're looking for, let's get your application started.

Essential reads

To make sure our Guaranteed Investment Bond is right for you, please ensure you read through the following information. 

 View the Guaranteed Investment Bond Key Information Document.

View the About our Services & Costs Document

 View the Guaranteed Investment Bond Terms & Conditions.

 Have a question? Take a look at our Frequently Asked Questions page.


Would you like some help?

Our Customer Centre is your place to go for useful and practical information relating to your account or policy, along with financial reports, details on how we treat customers fairly, and links to some external third parties that you may also find helpful.


Financial advice. Should you be under any doubt as to whether this product is suitable for you we recommend that you seek the advice of an Independent Financial Advisor (IFA). If you do not have a financial advisor you can find details of a local financial advisor by telephoning IFA Promotion on 020 7833 3131 or via Using the services of a financial advisor may incur charges, please confirm this with the individual financial advisor.

The Money Advice Service was set up by the government and is funded by a levy on the financial services industry. The service is free and independent, and is there to help everyone manage their money better by giving clear, unbiased money advice to help people make informed choices.

Terms and conditions apply to our Guaranteed Investment Bond. For more information visit the product's T&Cs page.