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Flexi Saver Account

Unlock the Benefits of Our Easy Access Savings Account

Save smart with our Easy Access Savings Account—deposit, withdraw, and grow your money anytime while earning a competitive annual dividend.

Open a Flexi Saver
Happy woman sipping coffee, relaxed and managing her finances easily with an easy access savings account.
FSCS logo - ensuring protection for depositors and investors in the UK.

Key Features of Our Flexi Saver Account

Our Easy Access Savings Account is designed to help you take control of your finances without compromising on flexibility. Whether you’re saving for a rainy day or working towards a big goal, this account makes it simple to access your funds whenever you need them, all while earning attractive returns. It’s the perfect blend of convenience and growth to support your savings journey.

Open a Flexi Saver
  • Deposit lump sums up to £40,000. Whether you're saving for something big or just managing your funds, this account works for you.
  • With no withdrawal penalties, your money is always available when you need it.
  • Earn an annual dividend based on your balance. Watch your savings grow year after year.

Why our Easy Access Savings Account might work for you?

Saving for the future doesn’t need to be complicated or restrictive. Whether you’re planning for a big purchase, building an emergency fund, or just looking for a flexible way to grow your savings, our lump sum easy access savings account is designed to make managing your money simple and stress-free.

Automatic Deductions

Save without even thinking about it! If your employer is signed up, you can set up automatic deductions straight from your salary.

Easy Access

Whenever you want to make a withdrawal, you simply need to log in and start the process.

Save Your Way

If things are a little tighter one month, you can make a smaller deposit, or increase your amount if you’re in a position to.

Prepare For Life's Surprises

With easy access to your savings, you’ll have peace of mind knowing funds are just a click away when you need them most.

Save For Big Goals

Whether you’re planning a dream holiday, saving for a new car, or building a rainy-day fund, this account is designed to help you achieve your goals with fewer restrictions.

Purpose-Driven Saving

Every pound you save supports vital roles in our community, creating a positive impact alongside your returns.

FSCS Protection

Your savings are protected up to £85,000 by the FSCS, giving you peace of mind while you save.

Family happily managing their finances together, enjoying the flexibility and ease of an easy access savings account.
Family happily managing their finances together, enjoying the flexibility and ease of an easy access savings account.
Family happily managing their finances together, enjoying the flexibility and ease of an easy access savings account.

Summary Box for the Flexi Saver

Here’s a quick rundown of the key points about our Flexi Saver, so you have everything you need to know before applying.

Account name

Flexi Saver

What is the savings return?

We provide an annual dividend based on our profits and success. This is announced at our AGM and shared with members. You can view our past dividends here.

How do I open and manage my account?

To open an account, you must: 

  • Be a member of Serve and Protect

You can open an account:

  • Online by completing an application here

How do I pay into this account?

  • If your employer is signed up, you can save with deductions from your pay
  • If not, you can set up a direct debit
  • You can also pay in lump sum deposits through bank transfers up to a maximum balance of £40,000

How do I manage this account and get in contact?

  • You can manage your account through online banking, through our mobile app, and over the phone

Can I withdraw money?

Yes, you can make as many withdrawals as you like.

You can withdraw money:

  • Through online banking or our mobile app
  • Or by giving our friendly team a call

Please note:

  • Withdrawals made before 2pm between Monday and Friday (excluding bank holidays) will be received the same day. Withdrawals outside of this period, will be received on the next working day. 

Additional information

You might need to pay tax on the interest or dividend you receive from your savings accounts with us. This will depend on your personal financial situation. You can find more information here.

Are you ready to open our Flexi Saver? Click here to get started.

Row to Apply?

If you’re already a member, our Flexi Saver account is just the thing for you. Just fill out the form below to get started. It’s that simple! 

FSCS (Financial Services Compensation Scheme) logo, representing financial protection and compensation for eligible savings.

Your Savings Are Safe

Feel secure knowing your savings are protected. With Serve and Protect, your funds are covered up to £85,000 by the Financial Services Compensation Scheme (FSCS). This means you can save with us confidently, knowing your money is in safe hands.

Learn More About FSCS Protection

Helping You Understand Savings Terms

We know financial jargon can be confusing, so we’ve simplified some of the key terms you might come across:

Annual General Meeting (AGM)

An AGM, or Annual General Meeting, is a gathering where our come together to review the year’s performance, discuss key decisions, and announce the annual dividend. It’s a vital opportunity for members to have their say and stay involved!

Annual Dividend

The annual dividend is a yearly thank-you to credit union members, based on their savings and the union’s success.

Financial Year

The financial year for credit unions is a 12-month period between 1 October and 30 September.

Payroll Savings

Payroll savings is a convenient way to save monthly by automatically setting aside a portion of your income into a designated savings account.

Personal Savings Allowance

The amount of interest you can earn tax-free, depending on your tax band.

Confused by financial jargon? Visit our Jargon Buster for more helpful explanations.

Archived Divided Rates

Below, you’ll find an archive of the Flexi Saver annual dividends we’ve paid, allowing you to easily track what was provided and when.

Financial yearEffective periodAnnual dividend
2023/202401.10.2023 - 30.09.20243.50%
2022/202301.10.2022 - 30.09.20233.50%
2021/202201.10.2021 - 30.09.20221.50%
2020/202101.10.2020 - 30.09.20211.00%
2019/202001.10.2019 - 30.09.20201.00%
2018/201901.10.2018 - 30.09.20191.00%
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Notice: Scheduled Maintenance

Our app and online access will be unavailable for 2 hours on Sunday, June 8, from 4:00 AM to 6:00 AM, as we work on scheduled upgrades to make things faster and smoother for you. We apologise for any inconvenience this may cause.