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Personal savings

We’ve developed a range of simple, easy to understand, savings accounts to suit you and your family

Savings for me and my family

We recognise that every one of our customers has different needs when it comes to saving. Whether you’re looking to save for yourself or save as a family, we’ve developed a range of simple, easy to understand, savings accounts to suit your circumstances.

If you're not sure which type of savings account is right for you then we'd be happy to discuss your savings goals and help find an account that suits you.

Our current savings accounts for you and your family

Account name Minimum investment Interest rate Interest type Interest paid Access Withdrawals  
Everyday e-Saver (Issue 1) £100+ 0.50%
Gross p.a./AER%
Variable Annually 
(Monthly interest option available)
Online Easy access Find out more
Instant Access Account £100+ 0.10%
Gross p.a./AER%
Variable Annually Branch
Phone
Post
Instant access Find out more
2 Year Fixed Rate e-Bond (Issue 6) £5,000+ 1.58%
Gross p.a./AER%
Fixed Annually Online No withdrawals Find out more
2 Year Fixed Rate Bond (Issue 71) £1,000+

1.58%
Gross p.a./AER% 

 

Fixed Annually Branch
Phone
Post
 
No withdrawals Find out more
Regular Saver (Issue 5) £100+ 2.00%
Gross p.a./AER%
Fixed Annually Branch
Phone
Post
No withdrawals Find out more
Instant Access ISA (Issue 3) £1+ 0.45%
Tax-free p.a./AER% on balances from £1 - £24,999
0.80%
Tax-free p.a./AER% on balances from £25,000
Variable Annually Branch
Phone
Post
Instant access Find out more
2 Year Fixed Rate ISA (Issue 18) £500+

1.00%
Tax-free p.a./AER% on balances from £500 - £19,999

1.10%
Tax-free p.a./AER% on balances from £20,000 - £49,999

1.20%
Tax-free p.a./AER% on balances from £50,000

Fixed Annually Branch
Phone
Post
180 days’ interest penalty fee on the amount withdrawn Find out more

5 Year Fixed Rate ISA (Issue 8) (Existing members only)

£500+

1.40%
Tax-free p.a./AER% on balances from £500 - £19,999

1.50%
Tax-free p.a./AER% on balances from £20,000 - £49,999

1.60%
Tax-free p.a./AER% on balances from £50,000

Fixed  Annually Branch
Phone
Post
 
240 days’ interest penalty fee on the amount withdrawn Find out more
First Account
(For young savers up to age 21)
£1+ 1.30%
Gross p.a./AER%
Variable Annually Branch
Post
Two per calendar month Find out more

3 Year Children’s Fixed Rate Bond (Issue 1)

£1,000+ 2.00%
Gross p.a./AER%
Fixed Annually Branch
Post
No withdrawals Find out more
The CAMbens Account (University of Cambridge staff only) £1+ 0.50%
Gross p.a./AER%
Variable Annually Branch
Post
Instant access Find out more

The Gross rate is the contractual rate of interest payable before deduction of income tax at the rate specified by law.

The Annual Equivalent Rate (AER) is a notional rate which illustrates what the gross interest rate would be if interest was paid and added to the account annually. AERs on an account which pays monthly interest assumes interest is added to the account at the end of each month during the year. In practice, the option to have interest added in this way is not available on our monthly interest accounts.

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.