Notice 120

4.10% AER/Gross* Variable for a year effective from 23/01/2026

Yes, the interest rate is variable, so it can go up or down.
If we change the interest rate, we will give you 14 days’ notice. You’ll find full details of this and the reasons why we may change the interest rate in our Terms and Conditions.

This projection assumes that £5,000 is deposited into the account when it is opened and that no further deposits, withdrawals or interest rate changes during the 12-month period. This projection is provided for illustrative purpose only and does not take into account the individual circumstances of the customer. This projection includes the interest earned in the year that has been credited into the savings account.

Estimated balances are for illustrative purposes only.

• Available to private individual UK residents aged 18 years or over only.
• The account can be opened in branch, by post or online.
• This is a passbook-based account and can be operated in branch or by post at your own expense.
• If you open the account online, a passbook will not be issued. You can manage your account online including obtaining deposit and
  withdrawal information (if applicable).
• Limits apply to cash deposits and withdrawals (see Terms and Conditions).
• You can save from a minimum of £5,000 up to a maximum of £450,000.
• A 14-day cooling-off period applies to this account. This means that if you change your mind, you have 14 calendar days to close the account without notice, charges or loss of interest. Day one begins on the date the account is opened.
• You can hold a maximum of one individual and one joint Notice 120 account with the Society.

• This account allows a maximum of three withdrawals per society year (1st November – 31st October).
• Withdrawals, closure or transfers to another account with us are subject to 120 days’ notice. You will be given a maximum of five working days to make the withdrawal once the 120 days’ notice have been served.
• Withdrawals/closures can be made by post (cheque only) and must include a signed letter requesting the amount OR a completed closure
  form. Cheques will only be made payable to the account holder(s).
• Cash withdrawals/Closures are limited to £2,500 per day.
• Faster payments can be made to a nominated UK bank account in the account holder’s name.
• The minimum CHAPS withdrawal £5,000 and will incur a £25 administrative fee.
• The minimum withdrawal allowed by cheque is £10.
• Withdrawals can be made in branch with the passbook. Withdrawals will not be allowed without the passbook (If one was issued with your type of savings account).

• We pay all savings interest gross – no tax is deducted. You are responsible for paying any tax due based on your individual circumstances. Tax rules may change in future.
• The maximum combined deposit across all accounts with The Stafford Building Society is £450,000 per customer.
• Your savings are protected up to £120,000 per eligible person with the FSCS compensation scheme.
• It’s worth noting that any of our accounts can be withdrawn from sale at any time and without notice.

*Gross: Interest paid without any tax deducted. You are responsible for paying any tax due, depending on your individual circumstances and allowances.
*AER: The Annual Equivalent Rate shows what the earnings on your savings would be if interest was paid and compounded once each year.
The rates and information are accurate as of 06/2026.