Our Savings Rates
Our Savings products at a glance
All savings rates are current from 17th October 2025. Contact our branch team for more details.
| Account | Minimum Deposit | Notes | Annual Gross Rate / AER | |
|---|---|---|---|---|
| Fixed Rate Bond Issue 13 | £5,000 | Two Year fixed Rate Period | 4.00%* Fixed | More |
| 90 Day Notice Account Issue 2 | £5,000 | N/A | 3.80% * Variable | More |
| 60 Day Notice Account | £5,000 | N/A | 3.30%* Variable | More |
| 45 Day Notice Account | £5,000 | N/A | 3.05% * Variable | More |
| 30 Day Notice Account | £1,000 | N/A | 2.55%* Variable | More |
| Cash ISA | £1 £35,000 | Subscription Limit 2025/26 £20,000**** Subscription Limit 2025/26 £20,000**** | 2.55%* Variable 2.65%* Variable | More |
| Junior Cash ISA | £1 | Subscription Limit 2025/26 £9,000**** | 4.00% Variable | More |
| Monthly Savings Account | £10 £10 | Without 0.50% 2025 conditional bonus With 0.50% 2025 conditional bonus | 2.80% Variable 3.30%** Variable | More |
| Instant Access Account | £1 | N/A | 1.80%* Variable | More |
| Young Savers Account | £1 - £25,000*** | N/A | 3.10% Variable | More |
| Postal Account | £1,000 £75,000 | N/A N/A | 1.80%* Variable 1.90%* Variable | More |
| Postal Business Account | £1,000 | N/A | 1.60% Variable | More |
| Business Online Account | £1,000 | N/A | 1.60% Variable | More |
| Regular Saver Issue 1 | £10 | Each month a deposit of between £10-150 is needed to earn the Bonus | 5.50% including a bonus of 4.50% | More |
Gross Rate - the contractual rate of interest to be paid on a savings account without any deduction being made in respect of potential tax liability.
AER – stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
The tax treatment or the rate of interest payable depends on individual circumstances and may be subject to change in the future.
*Monthly Interest is available on balances over £5,000 on certain accounts as indicated above at a reduced rate.
** Monthly Savings Account Monthly Savings Account includes a 0.50% bonus if all monthly subscriptions are received by December each year and the account remains open at 31 December.
***Young Savers Account Any balance that exceeds £25,000 will attract the lowest rate from the Instant Access Account
****Cash ISA/Junior Cash ISA Interest credited or paid annually at close of business on 5 April.