Regular Saver Account

We make saving simple

Experience the best with a Regular Saver account from Serve and Protect.

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Serve and Protect: Your go-to choice for regular savings

At Serve and Protect , we want to help our members save easily with our Regular Saver account. Whether you save as little as £10 every month or would like to make larger deposits, our savings accounts are designed for simplicity, and our online application process is easy to follow. You can have deposits taken straight from your salary so you don’t even notice they’re going out.

Why choose our Regular Saver account?

There’s a wealth of benefits to be had from our Regular Saver, including:

Easy Access

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


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.

Free life cover

The first £25,000 of your savings is matched by Serve and Protect, so your family will be covered should the worst happen.

Annual dividend

At the end of each year, you can receive a lump sum payment into your account to help your savings grow.

How our Regular Saver account works

It’s never been easier to open a Regular Saver account.

Apply online

Our simple application process can be completed in just a few minutes.

Fund monthly

You can choose an amount to go straight from your salary each month into your Regular Saver.

Change when you want

If you get a pay rise or have an increase in your outgoings, you have the flexibility to change your monthly deduction without fuss.

Savings Calculator

Do you have a savings goal in mind? Perhaps you’re envisioning a down payment for your dream home or an unforgettable getaway. Whatever it may be, our savings calculator can help you determine the contribution needed to achieve your goal. Let’s make your dreams a reality!
6 months savings
1 years savings
3 years savings

Frequently Asked Questions

You have the flexibility to save as little as £10 per month or up to £1,000 per month through regular deductions. Start small or aim higher – the choice is yours! Let’s make saving easy and achievable.

We take great pride in rewarding our valued members with a savings return in the form of an annual dividend. 

It’s important to note that our annual dividend is determined based on the surplus profits of the credit union, and it is proposed by the Board to our members at our Annual General Meeting each year.

Absolutely! You have the flexibility to withdraw your money whenever you need it. Just use your online banking, mobile app, or give us a call, and we’ll assist you in withdrawing the desired amount.

In addition to your monthly deduction, you have the flexibility to make extra deposits whenever you like.

When you save monthly with deductions from your salary, please keep in mind that the deductions are taken after taxes and any other pre-tax deductions.

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. For more information, please visit

Rest assured, all our savings products are protected by the UK’s Financial Services Compensation Scheme (FSCS), guaranteeing your savings up to £85,000. Any deposits exceeding the current limit are not covered. For additional details about the FSCS, please visit

All our savings accounts include free life cover up to £25,000 (up to the age of 65). This means, should the worst happen, your savings could be doubled up to the first £25,000, allowing you to support your family when they need it most. 

The free life cover benefit is subject to the terms and conditions of Serve and Protect Loan Protection and Life Savings policies, arranged by CMGL and underwritten by Covea Life Ltd. Note that this protection is a benefit of membership provided at no extra cost to the member. The Credit Union is the policyholder for Loan Protection and Life Savings.

Start your journey towards achieving your savings goals by opening a Regular Saver account today!

Archived Rates

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

Financial yearEffective periodAnnual dividend
2022/202301.10.2022 - 30.09.20233.50%
2021/202201.10.2021 - 30.09.20221.75%
2020/202101.10.2020 - 30.09.20211.00%
2019/202001.10.2019 - 30.09.20201.20%
2018/201901.10.2018 - 30.09.20191.00%

Other Products

Find out more about our other products and how they can help