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.
Save with Confidence,
On Your Terms
If you’re looking to grow your savings without locking them away for the long term, our range of Notice Savings Accounts and tax-free Notice ISAs could be just what you need. Whether you’re considering a 90 day notice account or a shorter 35 day notice account, we offer a dependable way to earn competitive interest while keeping control of your money.
Wherever you’re based in the UK, from Staffordshire or beyond, our mutual approach means we focus on serving savers with fairness, clarity and personal service. With us, you can save on your terms, with options designed to fit your plans.
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What is a Notice Account?
A Notice Account, sometimes called a Notice Deposit Account, may reward you with a better interest rate when you agree to give advance notice before making a withdrawal. At The Stafford, we offer accounts with notice periods of 35, 90, 120 or 180 days, depending on the product.
We also offer Notice Cash ISA accounts, which can give you the added benefit of tax-free interest. These accounts are a practical way to save if you are looking for stronger returns without tying your money up for a fixed term.
How It Works
With a Notice Account, you can save as and when you choose. When you want to access your funds, just let us know and serve the required notice period. For example, if you’re saving in a 90 day Notice Account, your funds will be made available 90 days after you let us know you want to withdraw. When your Notice is completed, you can contact our team to confirm the withdrawal and that you now wish to transfer your funds.
If you are looking for a Notice Cash ISA, you can close your account and take your money without sticking to the notice period, but penalities may apply. There are no penalties, as long as notice is served correctly. It’s a straightforward and flexible way to manage your savings while giving your money the chance to grow.
Why Consider a Notice Account?
Notice Accounts offer a combination of access and reward. While they don’t provide immediate access, they often come with higher interest rates than instant access savings accounts, making them well suited for savers who plan ahead.
You might be putting money aside for a home project, a future event, or simply to build your savings with purpose. The structure of a Notice Account may help you avoid dipping into your funds on impulse and keep your savings on track. And if you choose one of our Notice Cash ISA accounts, your interest can be tax-free, depending on your circumstances.
A Notice Account may not be right for every saver. They are not ideal for emergency funds, as withdrawals require the full notice period. Interest rates may also vary over time. But if you’re looking for a balance between access and return, they could potentially be a strong option.
Find out more about our Notice Accounts HERE
Notice Accounts Compared to Instant Access Savings
Instant access savings accounts allow you to withdraw money whenever you need it, but typically offer lower rates of interest. Notice Accounts, in contrast, ask you to plan ahead. In return, they may offer better rates and a more structured approach to saving.
If you don’t need immediate access to your money and you are happy to give notice, a Notice Account could offer greater value over time.
Is a Notice Account Right for You?
These accounts maybe a good fit for people who are saving with a specific goal in mind and feel comfortable planning ahead. If you’re preparing for a life event or want to take a more disciplined approach to managing your savings, a 35-day or 90-day notice account could be a good match.
We’re here to offer guidance on our range of accounts and help you find the one that best suits your needs.
Why Save with The Stafford?
At The Stafford Building Society, we’ve been helping people save for generations. As a mutual, we exist to serve our members, not external shareholders. That means our focus is on delivering fair terms, competitive interest rates and a transparent, trustworthy experience.
Our Notice Accounts are available to UK residents, wherever you live. You can apply online, by post, or by visiting our branch in Stafford. No matter how you choose to open your account, you will receive the same personal service and mutual support we are proud to offer.
FAQs – Notice Saving Accounts at The Stafford
Are all Notice Accounts tax-free?
Only our Notice ISAs are tax-free. Other Notice Accounts pay interest that may be subject to tax, depending on your personal savings allowance.
How do I access my money when I need it?
Let us know you wish to withdraw and serve the relevant notice period. Once that time has passed, your funds will be made available.
Will my money be locked away?
No. As long as you provide the required notice, such as 35, 90, 120 or 180 days, your funds will be available without penalty.
Can I open a Notice Account if I don’t live in Staffordshire?
Yes, our Notice Savings Accounts and Notice ISAs are available to UK residents across the country. You can apply online, by post, or in branch, depending on the account.
Start Saving with Structure
Whether you’re interested in a 35 day notice account, a 90 day notice option, or a tax-free Notice ISA, we’re here to guide you through the options and help you make an informed decision. Explore our full range of Notice Accounts today and take your next step toward more structured, purposeful saving.
Compare all savings accounts
View our full range of saving accounts, including the notice accounts.
Our Savings Products
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Cash ISA
Start saving tax-free from just £1. A flexible Cash ISA with instant access that lets your money grow at your pace, on your terms, with total freedom.-
Minimum Account Balance
£1 upwards
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Interest Rate (AER/Gross)
2.75%
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Withdrawal Notice Period
None
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Notice 45 Cash ISA
Save tax-free with only 45 days’ notice. A simple, structured way to grow your ISA savings while keeping access and future plans in balance.-
Minimum Account Balance
£100 upwards
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Interest Rate (AER/Gross)
3.50%
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Withdrawal Notice Period
45 Days
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Notice 60 Cash ISA
For those who like to plan ahead. With 60 days' notice, this Cash ISA offers tax-free growth, steady structure and complete confidence in your savings path.-
Minimum Account Balance
£100 upwards
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Interest Rate (AER/Gross)
4.35%
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Withdrawal Notice Period
60 Days
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Fixed Rate Cash ISA
Lock in a tax-free rate until 30th April 2026. A dependable Cash ISA that gives you certainty, clarity and peace of mind while your savings grow without surprises.-
Minimum Account Balance
£5,000 - £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)
Grow your savings on your terms. Instant access with total flexibility. Start today with peace of mind and freedom to withdraw whenever needed.-
Minimum Account Balance
£1 - £450,000
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Interest Rate (AER/Gross)
2.40%
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Withdrawal Notice Period
None
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Pullman (Instant Access)- Monthly Interest
Monthly interest with instant access. Ideal for savers who want flexibility and regular returns without tying up their money or making long-term commitments.-
Minimum Account Balance
£1 - £450,000
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Interest Rate (AER/Gross)
2.40%
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Withdrawal Notice Period
None
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Triple Access Pullman (Instant Access)
A smarter way to save; access your money when needed while enjoying added flexibility and stronger returns. No complex conditions, just clarity-
Minimum Account Balance
£100 - £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
Turn regular deposits into long-term gains. Start saving with just £25 and build your balance flexibly. A simple way to grow your savings with discipline.-
Minimum Account Balance
£25 upwards
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Interest Rate (AER/Gross)
4.40%
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Withdrawal Notice Period
None
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- Child Accounts
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First Track Children’s Saver
Start saving for their future today. From first bike to first car, this flexible savings account supports every step on their journey to young adulthood.-
Minimum Account Balance
£1 - £50,000
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Interest Rate (AER/Gross)
2.85%
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Withdrawal Notice Period
None
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Junior Cash ISA Issue 2
Give them a strong financial start. This tax-free Junior ISA helps build savings for university, their first car or whatever the future may bring.-
Minimum Account Balance
£1,000 upwards
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Interest Rate (AER/Gross)
3.75%
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Withdrawal Notice Period
None
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Junior Cash ISA Issue 1
Junior Cash ISA was designed to help children save for the future - from education to independence, and continues to support our existing young savers.-
Minimum Account Balance
£1 upwards
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Interest Rate (AER/Gross)
4.00%
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Withdrawal Notice Period
None
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- Affinity Accounts
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World Land Trust Affinity
Grow your savings and help protect the planet. We donate 0.20% of your balance to World Land Trust each year at no cost to you, just by saving with us.-
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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Black & White Affinity
Support Stafford Rangers just by saving. We donate 0.20% of your balance every year to the club at no cost to you. It's football with financial purpose.-
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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Black & Amber Affinity
Back Stafford Rugby Club while you save. With 0.20% of your balance donated each year, your savings can support the team at no extra cost.-
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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Katharine House Hospice Affinity
Make your savings matter. With 0.20% of your balance donated each year to Katharine House Hospice, you can support compassionate care while growing your savings.-
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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Support Staffordshire Affinity
Help support local communities with our Support Staffordshire Affinity Account. 0.20% of your balance goes to charity every year, free of charge.-
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 | |
|---|---|---|---|---|
| Easy Access Savings Account | ||||
| Pullman (Instant Access) Grow your savings on your terms. Instant access with total flexibility. Start today with peace of mind and freedom to withdraw whenever needed. |
£1 - £450,000 | 2.40% | None | |
| Pullman (Instant Access)- Monthly Interest Monthly interest with instant access. Ideal for savers who want flexibility and regular returns without tying up their money or making long-term commitments. |
£1 - £450,000 | 2.40% | None | |
| Triple Access Pullman (Instant Access) A smarter way to save; access your money when needed while enjoying added flexibility and stronger returns. No complex conditions, just clarity |
£100 - £450,000 | 2.85% | None | |
| Regular Saver – Issue 1 Turn regular deposits into long-term gains. Start saving with just £25 and build your balance flexibly. A simple way to grow your savings with discipline. |
£25 upwards | 4.40% | None | |
| Notice Savings Accounts | ||||
| Notice 35 Enjoy flexibility with growth. Our Notice 35 Savings Account gives you the freedom to access your savings with just 35 days' notice. Offering a balance between access and structure. |
£5,000 - £450,000 | 2.85% | 35 Days | |
| Notice 60 Plan ahead with 60 days' notice. A savings account designed to give you flexibility, control and peace of mind while building towards your goals. |
£5,000 - £450,000 | 3.05% | 60 Days | |
| Notice 90 Strike the right balance between planning and access. With 90 days' notice, save confidently and take steady steps towards your future goals. |
£5,000 - £450,000 | 3.90% | 90 Days | |
| Notice 120 Save with more structure and discipline. Our 120 day notice account helps you grow your savings over time while keeping your future in clear focus. |
£5,000 - £450,000 | 4.45% | 120 Days | |
| Notice 120 – Monthly Interest A secure Staffordshire savings account with 120-day notice and monthly interest - for those who value steady growth and the reassurance of a trusted building society. |
£5,000 - £450,000 | 4.45% | 120 Days | |
| Notice 180 Make your savings work with long-term purpose. With 180 days' notice, this account supports disciplined planning and meaningful financial goals. |
£5,000 - £450,000 | 4.61% | 180 Days | |
| E-Saver Notice 90 The E-Saver Notice 90 is an online-only savings account offering a balanced way to grow your money. With 90 days' notice required for withdrawals, it provides a blend of access, security, and a competitive return. |
£5,000 - £450,000 | 4.15% | 90 Days | |
| ISA | ||||
| Cash ISA Start saving tax-free from just £1. A flexible Cash ISA with instant access that lets your money grow at your pace, on your terms, with total freedom. |
£1 upwards | 2.75% | None | |
| Notice 45 Cash ISA Save tax-free with only 45 days’ notice. A simple, structured way to grow your ISA savings while keeping access and future plans in balance. |
£100 upwards | 3.50% | 45 Days | |
| Notice 60 Cash ISA For those who like to plan ahead. With 60 days' notice, this Cash ISA offers tax-free growth, steady structure and complete confidence in your savings path. |
£100 upwards | 4.35% | 60 Days | |
| Fixed Rate Cash ISA Lock in a tax-free rate until 30th April 2026. A dependable Cash ISA that gives you certainty, clarity and peace of mind while your savings grow without surprises. |
£5,000 - £85,000 | 4.10% | No Notice Period - Charges WILL apply | Closed Issue |
| Affinity Savings Accounts | ||||
| World Land Trust Affinity Grow your savings and help protect the planet. We donate 0.20% of your balance to World Land Trust each year at no cost to you, just by saving with us. |
£100 - £100,000 | 2.35% | None | |
| Black & White Affinity Support Stafford Rangers just by saving. We donate 0.20% of your balance every year to the club at no cost to you. It's football with financial purpose. |
£100 - £100,000 | 2.35% | None | |
| Black & Amber Affinity Back Stafford Rugby Club while you save. With 0.20% of your balance donated each year, your savings can support the team at no extra cost. |
£100-£100,000 | 2.35% | None | |
| Katharine House Hospice Affinity Make your savings matter. With 0.20% of your balance donated each year to Katharine House Hospice, you can support compassionate care while growing your savings. |
£100 - £100,000 | 2.35% | None | |
| Support Staffordshire Affinity Help support local communities with our Support Staffordshire Affinity Account. 0.20% of your balance goes to charity every year, free of charge. |
£100 - £100,000 | 2.35% | None | |
| Child Savings Accounts | ||||
| First Track Children’s Saver Start saving for their future today. From first bike to first car, this flexible savings account supports every step on their journey to young adulthood. |
£1 - £50,000 | 2.85% | None | |
| Junior Cash ISA Issue 2 Give them a strong financial start. This tax-free Junior ISA helps build savings for university, their first car or whatever the future may bring. |
£1,000 upwards | 3.75% | None | |
| Junior Cash ISA Issue 1 Junior Cash ISA was designed to help children save for the future - from education to independence, and continues to support our existing young savers. |
£1 upwards | 4.00% | None | Closed Issue |
| Corporate Savings Accounts | ||||
| 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.
