Key Features

• Variable interest rate of 2.75% gross* p.a./AER**
• Minimum interest rate guarantee of 1.00% gross* p.a./AER**
• The maximum investment is £125,000
• No notice withdrawal
• View your account and send secure messages via our online service (restrictions apply)
• Operation also available via free First Class Business Reply post
• £5 minimum balance required to keep account open
• Interest payable on 31 December
• Statements issued annually in January
• This Deposit account has no voting rights

*We pay all savings interest gross, which means that no tax is deducted. It's your responsibility to pay any tax due, based on your individual circumstances. Tax rules may change in future.

**AER stands for Annual Equivalent Rate and provides a means of comparing interest rates by showing what the rate would be if interest was paid and added once a year.

Key Features

• Variable interest rate of 2.75% gross* p.a./AER**
• Minimum interest rate guarantee of 1.00% gross* p.a./AER**
• The maximum investment is £125,000
• No notice withdrawals
• View your account and send secure messages via our online service (restrictions apply)
• Operation also available via free First Class Business Reply post
• £5 minimum balance required to keep account open
• Interest payable on 31 December
• Statements issued annually in January
• This Deposit account has no voting rights

*We pay all savings interest gross, which means that no tax is deducted. It's your responsibility to pay any tax due, based on your individual circumstances. Tax rules may change in future.

**AER stands for Annual Equivalent Rate and provides a means of comparing interest rates by showing what the rate would be if interest was paid and added once a year.

Key Features

• Variable interest rate of 3.50% gross* p.a./AER**
• Minimum interest rate guarantee of 1.00% gross* p.a./AER**
• We're not accepting deposits for the current tax year
• No notice withdrawals
• View your account, request withdrawals and send secure messages via our online service (restrictions apply)
• Operation also available via free First Class Business Reply post
• £25 minimum balance required to keep account open
• Interest payable on 5 April
• Statements issued annually in April
• Voting rights available ⁽¹⁾

*All ISA interest is paid tax-free, which means it's exempt from income tax and no tax is deducted. It's your responsibility to pay any tax due, based on your individual circumstances. Tax rules may change in future.

**AER stands for Annual Equivalent Rate and provides a means of comparing interest rates by showing what the rate would be if interest was paid and added once a year.

1) Voting rights are available to those individuals aged 18 or over whose account balance was not less than £100 between the Society’s previous financial year end (or other date as specified in the rules) and the date of voting.

Key Features

• Variable interest rate of 3.50% gross* p.a./AER**
• Minimum interest rate guarantee of 1.00% gross* p.a./AER**
• Due to restrictions within our system, we cannot accept additional deposits into converted Cash ISA products
• No notice withdrawals
• Minimum balance required to keep the account open is £25
• View your account, request withdrawals and send secure messages via our online service (restrictions apply)
• Operation also available via free First Class Business Reply post
• Interest payable on 5 April
• Statements issued annually in April
• Voting rights available ⁽¹⁾

*All ISA interest is paid tax-free, which means it's exempt from income tax and no tax is deducted. It's your responsibility to pay any tax due, based on your individual circumstances. Tax rules may change in future.

**AER stands for Annual Equivalent Rate and provides a means of comparing interest rates by showing what the rate would be if interest was paid and added once a year.

1) Voting rights are available to those individuals aged 18 or over whose account balance was not less than £100 between the Society’s previous financial year end (or other date as specified in the rules) and the date of voting.

Key Features

• Variable interest rate of 2.75% gross* p.a./AER**
• Minimum interest rate guarantee of 1.00% gross* p.a./AER**
• The maximum investment is £125,000
• Please note after 8 July 2021 no additional deposits can be made on this account
• No notice withdrawals
• View your account, request withdrawals and send secure messages via our online service (restrictions apply)
• Operation also available via free First Class Business Reply post
• £5 minimum balance required to keep account open
• Interest payable on 31 December
• Statements issued annually in January
• Voting rights available ⁽¹⁾

*We pay all savings interest gross, which means that no tax is deducted. It's your responsibility to pay any tax due, based on your individual circumstances. Tax rules may change in future.

**AER stands for Annual Equivalent Rate and provides a means of comparing interest rates by showing what the rate would be if interest was paid and added once a year.

1) Voting rights are available to those individuals aged 18 or over whose account balance was not less than £100 between the Society’s previous financial year end (or other date as specified in the rules) and the date of voting.

Key Features

• Tiered variable interest rates depending on your account balance as follows:
  • £500 - £24,999         2.85% gross* p.a./AER**
  • £25,000 and over      3.15% gross* p.a./AER**
• Minimum interest rate guarantee of 1.00% gross* p.a./AER**
• The maximum investment is £125,000
• Notice period is currently waived
• Please note after 8 July 2021 no additional deposits can be made on this account
• View your account, request withdrawals and send secure messages via our online service (restrictions apply)
• Operation also available via free First Class Business Reply post
• £5 minimum balance required to keep account open
• Interest payable on 31 December
• Statements issued annually in January
• Voting rights available⁽¹⁾

*We pay all savings interest gross, which means that no tax is deducted. It's your responsibility to pay any tax due, based on your individual circumstances. Tax rules may change in future.

**AER stands for Annual Equivalent Rate and provides a means of comparing interest rates by showing what the rate would be if interest was paid and added once a year.

1) Voting rights are available to those individuals aged 18 or over whose account balance was not less than £100 between the Society’s previous financial year end (or other date as specified in the rules) and the date of voting.

Key Features

• Variable interest rate of 3.50% gross* p.a./AER**
• Minimum interest rate guarantee of 1.00% gross* p.a./AER**
• The minimum amount to open a Foundations Cash ISA is £25
• We're not accepting deposits for the current tax year
• No notice withdrawals
• A minimum balance of £25 is required in your account
• View your account, request withdrawals and send secure messages via our online service (restrictions apply)
• Deposits can be made via bank transfer, Direct Debit or by cheque
• Interest payable on 5 April
• Limited to one ISA per member
• This account is not available for children
• Voting rights available [1]

*All ISA interest is paid tax-free, which means it's exempt from income tax and no tax is deducted.  It's your responsibility to pay any tax due, based on your individual circumstances.  Tax rules may change in future.

**AER stands for Annual Equivalent Rate and provides a means of comparing interest rates by showing what the rate would be if interest was paid and added once a year.

[1] Voting rights are available to those individuals aged 18 or over whose account balance was not less than £100 between the Society's previous financial year end (or other date as specified in the Rules) and the date of voting.

Key Features

• Variable interest rate of 2.75% gross* p.a./AER**
• Minimum interest rate guarantee of 1.00% gross* p.a./AER**
• The maximum investment is £125,000
• No notice withdrawals
• View your account and send secure messages via our online service (restrictions apply)
• Operation also available via free First Class Business Reply post
• £5 minimum balance required to keep account open
• Interest payable on 31 December
• Statements issued annually in January
• This Deposit account has no voting rights

*We pay all savings interest gross, which means that no tax is deducted. It's your responsibility to pay any tax due, based on your individual circumstances. Tax rules may change in future.

**AER stands for Annual Equivalent Rate and provides a means of comparing interest rates by showing what the rate would be if interest was paid and added once a year.

Key Features

• Variable interest rate of 2.75% gross* p.a./AER**
• Minimum interest rate guarantee of 1.00% gross* p.a./AER**
• The maximum investment is £125,000
• No notice withdrawals
• View your account, request withdrawals and send secure messages via our online service (restrictions apply)
• Operation also available via free First Class Business Reply post
• £5 minimum balance required to keep account open
• Interest payable on 31 December
• Statements issued annually in January
• Voting rights available ⁽¹⁾

Please note after 8 July 2021 no additional deposits can be made on this account.

*We pay all savings interest gross, which means that no tax is deducted. It's your responsibility to pay any tax due, based on your individual circumstances. Tax rules may change in future.

**AER stands for Annual Equivalent Rate and provides a means of comparing interest rates by showing what the rate would be if interest was paid and added once a year.

1) Voting rights are available to those individuals aged 18 or over whose account balance was not less than £100 between the Society’s previous financial year end (or other date as specified in the rules) and the date of voting.

Key Features

• Variable interest rate of 4.15% gross* p.a./AER**
• Minimum interest rate guarantee of 1.00% gross* p.a./AER** and the interest rate on this account will never be lower than our highest savings rate
• The maximum investment is £125,000
• Please note after 8 July 2021 no additional deposits can be made on this account
• No notice withdrawals
• View your account, request withdrawals and send secure messages via our online service (restrictions apply)
• Operation also available via free First Class Business Reply post
• Minimum balance required to keep the account open is £5
• Interest payable on 31 December
• Statements issued annually in January
• Voting rights available⁽¹⁾

*We pay all savings interest gross, which means that no tax is deducted. It's your responsibility to pay any tax due, based on your individual circumstances. Tax rules may change in future.

**AER stands for Annual Equivalent Rate and provides a means of comparing interest rates by showing what the rate would be if interest was paid and added once a year.

1) Voting rights are available to those individuals aged 18 or over whose account balance was not less than £100 between the Society’s previous financial year end (or other date as specified in the rules) and the date of voting.

Key Features

• Variable interest rate of 2.75% gross* p.a./AER**
• Minimum interest rate guarantee of 1.00% gross* p.a./AER**
• The maximum investment is £125,000
• No notice withdrawals
• View your account and send secure messages via our online service (restrictions apply)
• Operation also available via free First Class Business Reply post
• Minimum balance required to keep the account open is £5
• Interest payable on 31 December
• Statements issued annually in January
• This Deposit account has no voting rights

*We pay all savings interest gross, which means that no tax is deducted. It's your responsibility to pay any tax due, based on your individual circumstances. Tax rules may change in future.

**AER stands for Annual Equivalent Rate and provides a means of comparing interest rates by showing what the rate would be if interest was paid and added once a year.

Key Features

• Variable interest rate of 2.75% gross* p.a./AER**
• Minimum interest rate guarantee of 1.00% gross* p.a./AER**
• The maximum investment is £125,000
• Please note after 8 July 2021 no additional deposits can be made on this account
• No notice withdrawals
• View your account, request withdrawals and send secure messages via our online service (restrictions apply)
• Operation also available via free First Class Business Reply post
• £5 minimum balance required to keep account open
• Interest payable on 31 December
• Statements issued annually in January
• Voting rights available⁽¹⁾

*We pay all savings interest gross, which means that no tax is deducted. It's your responsibility to pay any tax due, based on your individual circumstances. Tax rules may change in future.

**AER stands for Annual Equivalent Rate and provides a means of comparing interest rates by showing what the rate would be if interest was paid and added once a year.

1) Voting rights are available to those individuals aged 18 or over whose account balance was not less than £100 between the Society’s previous financial year end (or other date as specified in the rules) and the date of voting.

Key Features

• Interest rates are variable at 0.60% below Bank of England Base Rate (BoEBR) for balances up to £50,000 and 0.40% below BoEBR for funds in excess of £50,000.
• Interest rates are 4.65% (for up to £50,000) and 4.85% (for £50,001+)
• Minimum interest rate guarantee of 1.00% gross* /AER**
• The minimum amount to open a SIPP is £5,000
• The maximum investment is £125,000
• The minimum deposit and balance to keep an account open is £250
• Funds will only be accepted from the Scheme Administrator
• No notice withdrawals
• Interest payable on 31 December
• Statements issued annually in January to the Scheme Administrator and if requested to the beneficiary
• This Deposit account has no voting rights

*We pay all savings interest gross, which means that no tax is deducted. Tax rules may change in future.

**AER stands for Annual Equivalent Rate and provides a means of comparing interest rates by showing what the rate would be if interest was paid and added once a year.

Key Features

• Variable interest rate of 2.75% gross* p.a./AER**
• Available to small groups and charities
• The minimum amount to open a Treasurers' Deposit account is £25
• The maximum investment is £125,000
• No-notice withdrawals
• View your account and send secure messages via our online service (restrictions apply)
• Deposits can be made via bank transfer, Direct Debit or by cheque through the post
• You can also save monthly by Direct Debit or standing order
• Interest payable on 31 December
• Statements issued annually in January
• Limited to one account per group/charity
• This Deposit account has no voting rights

*Gross is the interest rate without tax deducted.

**AER stands for Annual Equivalent Rate and provides a means of comparing interest rates by showing what the rate would be if interest was paid and added once a year.