Notice 90 Cash ISA

4.10% Tax-Free/AER (variable) a year effective from 07/04/2026

This projection assumes that £1,000 is deposited into the account at the time it is opened. No further deposits or withdrawals are made. The interest rate stays the same for the full 12 months.

Estimated balances are for illustrative purposes only.

• The account can be opened in branch, online or by post.
• Available to private individual UK residents aged 18 years or over only.
• We accept Cash ISA transfers from other ISA Managers.
• Once the maximum amount has been subscribed in any tax year (Currently £20,000) no further subscriptions will be allowed regardless of how much is withdrawn. (This is not a flexible ISA account).
• It is a passbook-based account and can be opened in branch, by post or online and operated in branch or by post at the Member’s own expense.
• Limits apply to cash deposits and withdrawals (see Cash ISA terms and conditions).
• Minimum Balance: £100.
• Maximum Balance: £75,000 (Subject to an individual’s total overall savings balance with The Society does not exceed £450,000).
• You are allowed a maximum of 4 account based withdrawals each society year.

• Withdrawals and closures are subject to 90 days’ written or verbal notice. You will be given a maximum of five working days to complete the withdrawal after the 90 days’ notice period has passed.
• This account allows a maximum of four withdrawals per society year (1st November – 31st October).
• You can transfer out your ISA without giving notice, but this will incur a penalty equivalent to 90 days’ interest. To avoid this penalty, you can give the required notice before initiating the transfer. Please note that if you transfer your ISA within the first 90 days of opening your account, the penalty may exceed the interest earned, meaning you could get back less than you originally paid in.
• Cash withdrawals are limited to £2,500 per day.
• Withdrawals can be made by post (cheque only) and must include a signed letter requesting the amount. Cheques will only be made payable to the account holder(s).
• Faster payments can be made to a nominated UK bank account in the account holder’s name.
• The minimum withdrawal allowed by cheque is £10.
• The minimum CHAPS withdrawal £5,000 and will incur a £25 administrative fee.
• Withdrawals can be made in branch with the passbook.
• Withdrawals will not be allowed without the passbook.

• You can hold a maximum of one individual Cash ISA 90 Day Notice account with the Society.
• This is not a flexible ISA product.
• In accordance with ISA regulations, investments in any tax year are limited to the amount permitted by HM Revenue and Customs regardless of the level of withdrawals made.
• It is worth noting that any of our accounts can be withdrawn from sale at any time and without notice.
• Your savings are protected up to £120,000 per eligible person with the FSCS compensation scheme.