Simplifying savings terms to help you make informed decisions.
Important Notice
On 8th May 2025 the Bank of England reduced the Bank Base Rate from 4.50% to 4.25%, a reduction of 0.25%. Because of this, from June 1st, all variable savings rates with the Society will reduce by between 0.25% and 0.35%.
Additionally, all variable mortgage rates for standard residential and buy to let mortgages will reduce by 0.25% from July 1st
Click here to read more.
Click here to read more.
Instant Access Savings Accounts in Staffordshire
Looking for a savings account that gives you control over your money? At The Stafford Building Society, our Instant Access Savings Accounts are built for flexibility and simplicity. Whether you’re just starting out or want somewhere safe to hold your everyday savings, our accounts give you the freedom to deposit and withdraw at your convenience – no notice periods, no penalties.
As a trusted local savings accounts provider, we’ve been helping people across Staffordshire save with confidence for generations. Our focus is on making savings simple, accessible, and rewarding for everyone – not just those with large balances.
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What Is an Instant Access Savings Account?
An Instant Access Savings Account allows you to save money while retaining full access whenever you need it. Unlike fixed-term or notice accounts, these savings options are a great choice if you’re looking for flexibility. You can add to your savings, make withdrawals, and manage your account easily, making it well suited for emergency funds, everyday savings, or short-term goals.
These accounts can be popular with people who value peace of mind and financial agility. You won’t be tied into lengthy terms, and you can dip into your savings without having to plan ahead or give lengthy notice.
Benefits of an Instant Access Account with The Stafford Building Society
When you choose The Stafford Building Society for your savings, you’re choosing a financial partner with a deep understanding of the local community. Here’s what you need to know about how our Instant Access savings options work:
- Flexibility for your Savings: Access your savings whenever you need to. Ideal for managing cash flow and unexpected costs.
- Simple to Use: No complex terms or conditions. Just straightforward savings with interest
- Local and Personal: Speak directly with real people in-branch or over the phone.
- Part of the Community: We’ve supported Staffordshire savers for over a century, and through our savings accounts have helped the community we serve.
- Protected Savings: Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000. Find out more.
Why We're Trusted For Local Savings Accounts in Staffordshire
With over 15,000 savers, many of our members tell us they value the service and simplicity we offer when it comes to savings Our Instant Access accounts are designed with real people in mind, combining local service with a community feel.
At The Stafford Building Society, we’re not here to maximise profits for external shareholders, because we don’t have any. As a member-owned mutual, we exist to serve the interests of our members, and the community we’ve called home for over 100 years.
When you open an Instant Savings Account with us, you’re not just putting money aside, you’re becoming part of something bigger. Your savings help us to offer real support for Staffordshire communities, and provide jobs locally. It’s a model built on mutual benefit, not corporate gain.
Whether you’re a first-time saver, looking for an alternative to your current bank, or simply exploring the best savings account in Staffordshire, we offer a clear, customer-first alternative.
Find out more about our Instant Access Accounts HERE
FAQs – Instant Access Savings at The Stafford
What makes The Stafford Building Society different?
We’re rooted in Staffordshire, run for the benefit of our members, and committed to offering clear, trustworthy savings solutions backed by real people.
Is there a minimum or maximum amount I can save?
Each account has different terms – you can find detailed information on our Savings Product pages.
Are my savings protected?
Absolutely. Eligible savings are protected up to £85,000 by the FSCS.
Can I open an Instant Access account online?
Yes, you can start your application online or visit us in-branch for personalised support.
Who are Instant Access Savings Accounts best suited for?
These accounts are widely used by local savers who value flexibility while earning interest on their savings. They’re often used for emergency funds, holiday savings, or short-term goals.
The Stafford Building Society Savings Accounts
While Instant Access may be ideal for flexible saving, we also offer other options tailored to longer-term goals or regular saving habits.
Compare all savings accounts
View our full range, including notice accounts and regular savers.
Our Savings Products
Speak to your local branch
Find friendly, expert guidance in your local Staffordshire branch.
Talk To Us Today
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Table View
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Cash ISA
Instant access ISA. Interest is paid without deduction of tax.-
Minimum Account Balance
£1 upwards
-
Interest Rate (AER/Gross)
2.75%
-
Withdrawal Notice Period
None
-
-
Notice 45 Cash ISA
45 day withdrawal notice ISA. Interest is paid without deduction of tax.-
Minimum Account Balance
£100 upwards
-
Interest Rate (AER/Gross)
3.50%
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Withdrawal Notice Period
45 Days
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-
Notice 60 Cash ISA
60 day withdrawal notice ISA. Interest is paid without deduction of tax.-
Minimum Account Balance
£100 upwards
-
Interest Rate (AER/Gross)
4.35%
-
Withdrawal Notice Period
60 Days
-
-
Fixed Rate Cash ISA
Fixed Rate Cash ISA fixed until 30th April 2026-
Minimum Account Balance
£5000 - £85,000
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Interest Rate (AER/Gross)
4.10%
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Withdrawal Notice Period
No Notice Period - Charges WILL apply
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Find out what current ISA products we can offer
- Adult Accounts
- Child Accounts
- Affinity Accounts
- Corporate
- Adult Accounts
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Pullman (Instant Access)
Instant access savings account.-
Minimum Account Balance
£1 - £450,000
-
Interest Rate (AER/Gross)
2.40%
-
Withdrawal Notice Period
None
-
-
Pullman (Instant Access)- Monthly Interest
Instant access savings account. Interest is paid monthly.-
Minimum Account Balance
£1 - £450,000
-
Interest Rate (AER/Gross)
2.40%
-
Withdrawal Notice Period
None
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Triple Access Pullman (Instant Access)
Savers account with three instant access withdrawals a year.-
Minimum Account Balance
£1 - £450,000
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Interest Rate (AER/Gross)
2.85%
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Withdrawal Notice Period
None
-
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Regular Saver – Issue 1
A monthly savings account that offers 4 instant access withdrawals per year.-
Minimum Account Balance
£25 upwards
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Interest Rate (AER/Gross)
4.40%
-
Withdrawal Notice Period
None
-
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Notice 35
35 day withdrawal notice savings account.-
Minimum Account Balance
£5000 - £75,000
-
Interest Rate (AER/Gross)
2.85%
-
Withdrawal Notice Period
35 Days
-
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Notice 60
60 day withdrawal notice savings account.-
Minimum Account Balance
£5000 - £100,000
-
Interest Rate (AER/Gross)
3.05%
-
Withdrawal Notice Period
60 Days
-
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Notice 90
90 day withdrawal notice savings account.-
Minimum Account Balance
£5000 - £150,000
-
Interest Rate (AER/Gross)
3.90%
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Withdrawal Notice Period
90 Days
-
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Notice 120
120 day withdrawal notice savings account.-
Minimum Account Balance
£5000 - £150,000
-
Interest Rate (AER/Gross)
4.45%
-
Withdrawal Notice Period
120 Days
-
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Notice 120 – Monthly Interest
120 day withdrawal notice savings account. Interest is paid away monthly.-
Minimum Account Balance
£5000 - £150,000
-
Interest Rate (AER/Gross)
4.45%
-
Withdrawal Notice Period
120 Days
-
-
- Child Accounts
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First Track Children’s Saver
Instant access savings account for children up to 18.-
Minimum Account Balance
£1 - £50,000
-
Interest Rate (AER/Gross)
2.85%
-
Withdrawal Notice Period
None
-
-
Junior Cash ISA Issue 2
ISA for under 18s. Interest is paid without deduction of tax.-
Minimum Account Balance
£1000 upwards
-
Interest Rate (AER/Gross)
3.75%
-
Withdrawal Notice Period
None
-
-
Junior Cash ISA Issue 1
ISA for under 18s. Interest is paid without deduction of tax.-
Minimum Account Balance
£1 upwards
-
Interest Rate (AER/Gross)
4.00%
-
Withdrawal Notice Period
None
-
-
- Affinity Accounts
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Pullman Affinity – World Land Trust
Yearly donation of 0.20% of your annual balance to World Land Trust.-
Minimum Account Balance
£100 - £100,000
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Interest Rate (AER/Gross)
2.35%
-
Withdrawal Notice Period
None
-
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Black & White Affinity
Yearly donation of 0.20% of your annual balance to Stafford Rangers Football Club-
Minimum Account Balance
£100 - £100,000
-
Interest Rate (AER/Gross)
2.35%
-
Withdrawal Notice Period
None
-
-
Black & Amber Affinity
Yearly donation of 0.20% of your annual balance to Stafford Rugby Club-
Minimum Account Balance
£100-£100,000
-
Interest Rate (AER/Gross)
2.35%
-
Withdrawal Notice Period
None
-
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Katharine House Hospice Affinity
Yearly donation of 0.20% of your annual balance to Katharine House Hospice-
Minimum Account Balance
£100 - £100,000
-
Interest Rate (AER/Gross)
2.35%
-
Withdrawal Notice Period
None
-
-
Support Staffordshire
Yearly donation of 0.20% of your annual balance to Support Staffordshire charity.-
Minimum Account Balance
£100 - £100,000
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Interest Rate (AER/Gross)
2.35%
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Withdrawal Notice Period
None
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- Corporate
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Corporate Pullman (Instant Access)
Instant access savings account for a registered Charity, Limited Company, LLP, Club/Society or pension trustees of micro and SME firms.-
Minimum Account Balance
£1 - £450,000
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Interest Rate (AER/Gross)
2.30%
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Withdrawal Notice Period
None
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Scroll Table
| Name | Balance | Interest (AER/Gross) | Withdrawal Period Notice | |
|---|---|---|---|---|
| Adult Account | ||||
| Pullman (Instant Access) Instant access savings account. |
£1 - £450,000 | 2.40% | None | |
| Pullman (Instant Access)- Monthly Interest Instant access savings account. Interest is paid monthly. |
£1 - £450,000 | 2.40% | None | |
| Triple Access Pullman (Instant Access) Savers account with three instant access withdrawals a year. |
£1 - £450,000 | 2.85% | None | |
| Regular Saver – Issue 1 A monthly savings account that offers 4 instant access withdrawals per year. |
£25 upwards | 4.40% | None | |
| Notice 35 35 day withdrawal notice savings account. |
£5000 - £75,000 | 2.85% | 35 Days | |
| Notice 60 60 day withdrawal notice savings account. |
£5000 - £100,000 | 3.05% | 60 Days | |
| Notice 90 90 day withdrawal notice savings account. |
£5000 - £150,000 | 3.90% | 90 Days | |
| Notice 120 120 day withdrawal notice savings account. |
£5000 - £150,000 | 4.45% | 120 Days | Closed Issue |
| Notice 120 – Monthly Interest 120 day withdrawal notice savings account. Interest is paid away monthly. |
£5000 - £150,000 | 4.45% | 120 Days | Closed Issue |
| ISA | ||||
| Cash ISA Instant access ISA. Interest is paid without deduction of tax. |
£1 upwards | 2.75% | None | |
| Notice 45 Cash ISA 45 day withdrawal notice ISA. Interest is paid without deduction of tax. |
£100 upwards | 3.50% | 45 Days | |
| Notice 60 Cash ISA 60 day withdrawal notice ISA. Interest is paid without deduction of tax. |
£100 upwards | 4.35% | 60 Days | |
| Fixed Rate Cash ISA Fixed Rate Cash ISA fixed until 30th April 2026 |
£5000 - £85,000 | 4.10% | No Notice Period - Charges WILL apply | Closed Issue |
| Affinity Account | ||||
| Pullman Affinity – World Land Trust Yearly donation of 0.20% of your annual balance to World Land Trust. |
£100 - £100,000 | 2.35% | None | |
| Black & White Affinity Yearly donation of 0.20% of your annual balance to Stafford Rangers Football Club |
£100 - £100,000 | 2.35% | None | |
| Black & Amber Affinity Yearly donation of 0.20% of your annual balance to Stafford Rugby Club |
£100-£100,000 | 2.35% | None | |
| Katharine House Hospice Affinity Yearly donation of 0.20% of your annual balance to Katharine House Hospice |
£100 - £100,000 | 2.35% | None | |
| Support Staffordshire Yearly donation of 0.20% of your annual balance to Support Staffordshire charity. |
£100 - £100,000 | 2.35% | None | |
| Child Account | ||||
| First Track Children’s Saver Instant access savings account for children up to 18. |
£1 - £50,000 | 2.85% | None | |
| Junior Cash ISA Issue 2 ISA for under 18s. Interest is paid without deduction of tax. |
£1000 upwards | 3.75% | None | |
| Junior Cash ISA Issue 1 ISA for under 18s. Interest is paid without deduction of tax. |
£1 upwards | 4.00% | None | Closed Issue |
| Corporate | ||||
| Corporate Pullman (Instant Access) Instant access savings account for a registered Charity, Limited Company, LLP, Club/Society or pension trustees of micro and SME firms. |
£1 - £450,000 | 2.30% | None | |
Want to Apply for an Account?
Visit a Branch: Want to speak to someone face to face? Drop into your local Stafford branch and our team will walk you through the process.
Online Application: Start your Instant Access Savings application today through our secure online portal below.
Helpful Resources
Savings Forms & Leaflets
Find all the forms and leaflets you need to smoothly navigate our savings services, from application to deposit.
Savings Charges
A transparent list of fees and rates you may encounter during your savings journey.
Savings FAQs
Clarifying your savings queries with straightforward answers and guidance.
