Back to all savings rates
State Savings
5 Year Savings Certificate
1.74%
AER
Compare this savings account with others to find the best rate for your needs.
Type
Fixed Term
Term
60 months
Protection
Irish Government
After DIRT
1.74% ✓
Min Deposit
€50
Interest Calculator
€5,000
Gross Interest (1 year)
€87.00
DIRT Tax (33%)
€0 ✓
You Keep
€87.00
Pros
- •Deposit guarantee protected
- •Regulated financial institution
Cons
- •Compare rates regularly as they change
Best For
Savers looking for competitive rates
Important Notes
TAX-FREE (no DIRT). Irish State guaranteed.
vs Irish inflation (2.1%):-0.36% real returnBelow inflation
CSO CPI December 2025Similar Accounts
Rate verified: 2026-02-05