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Credit Union Rates for Savings

Credit Union Rates for Savings Accounts

Keeping you informed is important to us. That’s why we will always make sure you can access both our current and historic credit union rates for savings.

View Previous Rates
Smiling woman reviewing her account after receiving competitive savings rates from her credit union.
Regular Saver
Financial yearEffective periodAnnual dividend
2023/2401.10.2023 - 30.09.20243.50%
2022/2301.10.2022 - 30.09.20233.50%
2021/2201.10.2021 - 30.09.20221.75%
2020/2101.10.2020 - 30.09.20211.00%
2019/2001.10.2019 - 30.09.20201.20%
2018/1901.10.2018 - 30.09.20191.00%
Flexi Saver
Financial yearEffective periodAnnual dividend
2023/2401.10.2023 - 30.09.20243.50%
2022/2301.10.2022 - 30.09.20233.50%
2021/2201.10.2021 - 30.09.20221.50%
2020/2101.10.2020 - 30.09.20211.00%
2019/2001.10.2019 - 30.09.20201.00%
2018/1901.10.2018 - 30.09.20191.00%
Fixed Saver (6 Months)
Product referenceEffective periodAnnual interest rate
Issue 101.05.2023 - 27.10.20233.04% / 3.00% AER / gross
Fixed Saver (12 Months)
Product referenceEffective periodAnnual interest rate
Issue 1001.10.2025 - 30.09.20264.00% / 4.00% AER / gross
Issue 901.07.2025 - 30.06.20264.00% / 4.00% AER / gross
Issue 801.03.2025 - 28.02.20264.25% / 4.25% AER / gross
Issue 701.12.2024 - 30.11.20254.50% / 4.50% AER / gross
Issue 601.09.2024 - 31.08.20255.00% / 5.00% AER / gross
Issue 501.06.2024 - 31.05.20254.25% / 4.25% AER / gross
Issue 401.02.2024 - 31.01.20255.00% / 5.00% AER / gross
Issue 301.11.2023 - 31.10.20244.50% / 4.50% AER / gross
Issue 201.08.2023 - 31.07.20245.00% / 5.00% AER / gross
Issue 101.05.2023 - 30.04.20243.50% / 3.50% AER / gross
Fixed Cash ISA
Tax yearEffective periodAER (Annual Equivalent Rate)
2025/202606.04.2025 - 05.04.20264.00%
2024/202506.04.2024 - 05.04.20254.00%
Cash ISA
Tax yearEffective periodAER (Annual Equivalent Rate)
2024/202506.04.2024 - 05.04.20251.00%
2023/202406.04.2023 - 05.04.20241.00%
2022/202317.12.2022 - 05.04.20230.50%
2022/202306.04.2022 - 16.12.20220.50%
2021/202206.04.2021 - 05.04.20220.50%
2020/202106.04.2020 - 05.04.20211.00%
Junior Saver
Financial yearEffective periodAnnual dividend
2023/2401.10.2023 - 30.09.20244.50%
2022/2301.10.2022 - 30.09.20234.50%
2021/2201.10.2021 - 30.09.20222.50%
2020/2101.10.2020 - 30.09.20211.00%
2019/2001.10.2019 - 30.09.20201.20%
2018/1901.10.2018 - 30.09.20191.00%
Your Savings Are Safe

Feel secure knowing your savings are protected. With Serve and Protect, your funds are covered up to £120,000 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:

AER (Annual Equivalent Rate)

Interest earnings if compounded annually.

Dividend

A share of the credit union’s profits distributed to members for saving.

Gross

The interest rate paid before tax deductions.

Personal Savings Allowance

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

Tax-Free

Interest earned exempt from taxes, often applicable to ISAs.

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

Happy woman on the phone receiving support and asking questions about credit union loans.
Happy woman on the phone receiving support and asking questions about credit union loans.
Happy woman on the phone receiving support and asking questions about credit union loans.

We’re Here to Help

Have questions? Our friendly member services team is happy to assist. Whether you’re ready to open your account or just exploring your options, we’re here to ensure your financial success.

Contact us to learn more about our Credit Union Savings Accounts.

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