First Track

Instant access savings account for under 18s.

  • Interest Rate

    3.60% AER/Gross

  • Minimum Account Balance


  • Withdrawal Notice Period


  • Availability

    Private Individuals only

About this Account

What is the Interest Rate?

3.60% AER/Gross a year effective from 01/10/2023

Can The Stafford change the Interest Rate?

The Stafford Building Society has the right to change interest rates in certain circumstances. If we change the rates we will give you 14 days’ notice. Please refer to the savings terms and conditions for further information on these circumstances

What would the estimated balance be after 12 months?


This projection assumes that £1,000 is deposited in to 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.

How do I open and manage my account?

Apply Online
  • The account can be opened in branch or by post.
  • This is a passbook based account and can be operated in branch or by post at members own expense.
  • Available to private individuals only.
  • Available to UK residents only.
  • Limits apply to cash deposits and withdrawals (see savings terms and conditions).
  • Maximum age to open an account is 17.
  • When the child turns 21 another account will need to be opened.
  • When the child reaches 16 interest received will count against the holders personal savings allowance.
  • You can save from: £1.
  • Up to a maximum of: £50,000 (Subject to an individual’s total overall savings balance with The Society does not exceed £450,000).

Can I withdraw money?

  • Cash withdrawals are limited to £2,500 each day.
  • No notice is required for cash withdrawals up to £500. A minimum of 24 hours notice for cash withdrawals up to £2,500.
  • Withdrawals can be made by post (cheque only) and must include a signed letter requesting the amount needed by cheque and who the cheque is made payable to and the passbook. A cheque will only be made payable to the account holder(s).
  • Faster payments are available to a nominated bank account in the holder(s) name.
  • Minimum withdrawal allowed by cheque is £10.
  • Minimum CHAPS withdrawal £5,000 and will incur an administrative fee.
  • Withdrawals can be made in branch with the passbook.
  • Withdrawals will not be allowed without the passbook

Additional Information

  • Only one account of this type per person or joint account holder
  • We pay all savings interest gross, which means no tax is deducted. It’s your responsibility to pay any tax due, based on your individual circumstances. Tax rules may change in future