Find a Cash ISA that suits the way you save
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Our Cash ISA rates | Easy access vs fixed rate ISAs | Why choose The Cambridge | Open a Cash ISA | FAQs
If you’re comparing cash ISA rates, it’s natural to want the best possible return on your savings. But the best Cash ISA isn’t always just about chasing the highest number – it’s about finding an account that fits your goals, gives you confidence, and keeps your savings working tax‑free.
At The Cambridge Building Society, we offer Cash ISA interest rates across both Notice and Fixed rate options, backed by straightforward terms and friendly, knowledgeable support. Whether you value flexibility, certainty, or simply speaking to someone who understands savings, we’re here to help you choose the right ISA for you.
Our Cash ISA rates
We offer a range of Cash ISA rates, designed to suit different saving styles. You can explore our current interest rates below and click through to each account for full details.
Cash ISA rates change from time to time. The “best rate Cash ISA” for you will depend on how you plan to save and access your money.
Fixed rate Cash ISAs
A fixed rate Cash ISA offers a guaranteed interest rate for a set term. While these accounts typically require you to leave your savings untouched, they can be a good option if you value certainty.
Fixed rate ISAs may suit you if you:
- Want a predictable, guaranteed return
- Are saving a lump sum
- Don’t need immediate access to your money
You can view our current fixed rate Cash ISA interest rates and full accounts details on our Cash ISA page.
Easy access & instant access ISA rates
Our easy access ISAs are designed for savers who want flexibility. These accounts allow you to add or withdraw money when you need to, while still earning tax‑free interest.
Easy access and instant access ISAs may suit you if you:
- Want access to your savings at short notice
- Prefer flexibility over locking money away
- Are building savings gradually
We don't currently have Easy Access Cash ISAs, but do have Notice and Fixed Rate ISAs options.
Notice Cash ISA rates
A Notice Cash ISA, is simply a Cash ISA with notice. Our Notice Cash ISA is a good option if you want to save for the future but might need the flexibility to withdraw money. By giving 100 days' notice you can withdraw funds. You can also have instant access but there will be a interest penalty fee. The interest rate is variable and can go up or down.
A Notice Cash ISA may suit you if you:
- Want to earn tax-free interest on your savings account
- Want the flexibility to access your money and are happy to give notice to withdraw or pay an interest penalty fee for immediate withdrawals.
- Are comfortable with an interest rate that can go up or down.
To see the current interest rate, withdrawal notice period and full features of our Notice Cash ISA tax-free savings account, view our Notice Cash ISA account details.
Compare Easy access, Notice and Fixed Rate Cash ISAs
Which is best? When comparing the best Cash ISA options for you, it helps to think about how you’ll use your savings. The main difference between Easy Access, Notice and Fixed Rate Cash ISAs can be found below:
| What you want to know | Easy Access Cash ISA | Notice Cash ISA | Fixed Rate ISA |
| When can I take my money out? | Withdraw at any time | Withdraw after giving the required notice period, or pay an interest penalty fee | Withdraw during the term, but pay an interest penalty fee |
| How the interest works | Variable | Variable | Fixed for the full term |
| How people usually use this account | Savings you may need quickly or want to add to regularly | Savings you may not need immediately but can get access to if needed | Planned, longer‑term savings that remain untouched |
There’s no single “best rate Cash ISA” for everyone. The right choice depends on your priorities – flexibility, certainty, or a balance of both.
If you’re unsure, our savings team is always happy to talk through your options. You can book a savings review, give us a call or pop into store.
Why choose The Cambridge for your Cash ISA?
We know our Cash ISA interest rates may not always top comparison tables. What sets us apart is how we support you as a saver.
When you choose The Cambridge, you benefit from:
- Clear, straightforward Cash ISAs – no confusing tiers or jargon
- Tax‑free savings with a provider you can trust – protected by the FSCS
- Support from a building society – focused on members
- Friendly, knowledgeable people – available in store, by phone or online
For many savers, the “best Cash ISA” is one that comes with confidence, clarity and human support – not just a headline rate.
Simple, tax‑free savings
All Cash ISAs offered by The Cambridge are tax‑free savings accounts. This means any interest you earn does not count towards your Personal Savings Allowance and doesn't need to be declared for UK tax purposes .
This makes Cash ISAs a popular choice for:
- Basic and higher‑rate taxpayers
- Savers approaching or exceeding their Personal Savings Allowance
- Anyone wanting simple, tax‑efficient savings
Your eligibility
Cash ISAs are governed by HMRC rules. You can open a Cash ISA if you:
- Are a UK resident for tax purposes
- Are aged 18 or over
- Stay within the annual ISA allowance (£20,000)
Any money you save in a Cash ISA counts towards your annual ISA allowance, which applies across all ISA types.
How to open a Cash ISA
Opening a Cash ISA with The Cambridge Building Society is straightforward.
You can open an account:
- In store
- By phone
- By post
Depending on the account, you may be able to open with a lump sum, an ISA transfer, or both.
View all Cash ISA rates and account information.
Frequently asked questions about Cash ISAs
Let’s talk about your savings
Choosing between easy access ISA rates, instant access ISA rates, notice ISA rates and fixed options can feel overwhelming – especially when comparison tables only tell part of the story. Everyone has different requirements when it comes to their savings, and we’re proud to offer a personalised approach to each person who chooses to save with The Cambridge.
Additional information
It’s important you understand how an ISA works, so take a look at our ISA Booklet for more information.
If the total subscription limit is not used in a tax year, you cannot carry forward any unused subscription to the next tax year
Cash ISAs pay interest tax-free provided all terms and conditions of the account are met.
The Tax-free rate is the contractual rate of interest payable where interest is exempt from income tax.
Tax treatment and rate of interest payable will depend on individual circumstances and may change in the future.
If you’re unsure of any other terms used on this page, please visit our savings glossary.
If in the first 14 days of opening your account you decide that the account you’ve chosen isn’t right for you, you can have your money back – without penalty. We’ll arrange to close the account and return
your money, or to switch your funds to another of our savings accounts.
We’ll pay you interest on the balance of your account up to the day before closure at the appropriate Fixed Rate ISA rate.
Your account won’t be classed as an ISA.
If you’d like help deciding which Cash ISA is right for you, our friendly team is here for a no‑pressure conversation.
Visit your local branch or call us on 0345 601 3344 to talk through your options.
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