Important Messages
Easter Bank Holiday opening hours
We'll be closed on Friday 29 March and Monday 1 April. (We are open Saturday 30 March).
AGM
Voting is now open for our AGM which takes place on 25 April 2024.
Easter Bank Holiday opening hours
We'll be closed on Friday 29 March and Monday 1 April. (We are open Saturday 30 March).
AGM
Voting is now open for our AGM which takes place on 25 April 2024.
Our Small Saver is designed to help you start a savings habit. By saving small amounts each calendar month you can ease yourself into a savings habit. It also allows you to take money out once a month if you need to.
This account can be withdrawn at any time.
Small Saver
(This is a 12 month variable rate account)
The interest rate paid on the account will be paid as below:
Minimum balance | Interest | Gross p.a./AER* |
£1.00 | Annually | 5.75% |
Rate effective from 16 August 2023.
Interest is calculated each day on the available money in your account and is paid at the end of the term.
The interest rate for this account is variable. This means we can change it at any time. You can find full details in our Savings Terms and Conditions.
If your account falls below the minimum balance, the interest rate we'll pay you will reduce to 0.05% Gross p.a/AER variable*.
This is based on paying in £50 on the same day each month, for 12 months and not taking money out.
Maximum monthly payment | Gross p.a./AER* | Balance at 12 months |
£50.00 | 5.75% | £618.69 |
Yes, you can take money out once a month, in line with our daily withdrawal limits. This means you can also close your account anytime.
Before the 12 month term ends we'll contact you to let you know. Your account will change to the Maturity Easy Access account, which will have a different interest rate. The account number won't change. If you want to switch to a different account, we'll tell you how to do this in the maturity pack that we'll send you.
Our Savings Promises provide you with additional peace of mind, including penalty-free access to your money if your life circumstances significantly change (e.g. serious illness, redundancy, etc). For more information please click here or ask us.
If the total amount of interest you earn is more than your tax-free Personal Savings Allowance, you may have to pay tax to HM Revenue & Customs (HMRC). For more information visit gov.uk.
* Interest Rate definitions: Gross is the interest rate without the tax deducted. AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if the interest was paid and compounded once each year.
Where the Savings Terms & Conditions are inconsistent with the account-specific rules and criteria, these account-specific rules and criteria will apply and will take priority.
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