Planning for a child’s future is one of the most important financial steps any family can take. At The Stafford Building Society, we understand that, and we’re proud to support parents and guardians with the relaunch of our Junior Cash ISA, now offering a competitive 3.75% Gross/AER, tax-free.

Designed to help families build long-term savings in a secure and straightforward way, the Junior Cash ISA remains one of the most effective tools for setting children up with financial stability as they approach adulthood.

Why the Junior Cash ISA Still Matters

Whether you’re saving for university, a first car, or just helping your child build good financial habits, the Junior Cash ISA allows you to make the most of your annual tax-free allowance – set at £9,000 for the 2025/26 tax year.

Here’s what makes our account stand out:

  • A competitive JISA rate – 3.75% AER, tax-free
  • A dependable, no-frills savings option for under-18s
  • Easy account opening or JISA transfer from another provider
  • The funds remain secured in the account and cannot be accessed until the child reaches the age of 18.

Whether you’re comparing the best Junior Cash ISAs or searching for reliable Child Cash ISA rates, our Junior Cash ISA is designed to offer long-term value with clear terms and a secure tax-free structure.

Ethical Saving, Rooted in Staffordshire

As a mutual building society, we’re not driven by shareholder interests or profit margins. Instead, we exist to serve the needs of our members and local communities. Every decision we make, product launches included, are grounded in fairness, trust, and a genuine desire to help families thrive financially.

We’ve been part of Staffordshire since 1877, and we continue to support local people with savings accounts that are designed around real-life needs and community involvement.

An Alternative Option: First Track Child Savings Account

If you’re not ready to commit to a Junior Cash ISA, or prefer more flexible access to funds, our First Track Child Savings Account offers another way to start saving for your child’s future. It’s an accessible option for regular saving, with the same commitment to competitive rates and community-first values. Find out more here or speak with us in branch to find out your options.

How to Get Started

Whether you’re opening a new Junior Cash ISA or transferring one from another provider, it’s easy to begin. You can:

No pressure. No jargon. Just practical support to help you save confidently for your children for the years ahead.