First Track Children’s Saver

2.35% AER/Gross* Variable for a year effective from 23/01/2026

Yes, the interest rate is variable, so it can go up or down.
If we change the interest rate, we will give you 14 days’ notice. You’ll find full details of this and the reasons why we may change the interest rate in our Terms and Conditions.

This projection assumes that £1,000 is deposited into the account when it is opened and that no further deposits, withdrawals or interest rate changes during the 12-month period. This projection is provided for illustrative purpose only and does not take into account the individual circumstances of the customer. This projection includes the interest earned in the year that has been credited into the savings account.

Estimated balances are for illustrative purposes only.

• Available to private individual UK residents aged 17 or under (the child).
• All named trustees must be UK residents aged 18 years or over.
• 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 your own expense.
• Limits apply to cash deposits and withdrawals (see Terms and Conditions).
• You can save from a minimum of £1 up to a maximum of £50,000.
• A 14-day cooling-off period applies to this account. This means that if you change your mind, you have 14 calendar days to close the account without notice, charges or loss of interest. Day one begins on the date the account is opened.
• The child can hold a maximum of one individual First Track account with the Society. The account trustee(s) can be the named trustee(s) across multiple First Track accounts.
• Can be held in trust until the account holder turns 21. When the account holder turns 21, this account will automatically switch to our instant access Pullman account. The rules and Terms & Conditions for withdrawing funds will be as per the Pullman Annual account.
• Upon reaching the age of 16, unless the account is registered in the holders’ sole name, any interest will be attributed to the holder’s Personal Savings Allowance.

• Cash withdrawals/Closures are limited to £2,500 per day.
• No notice is required for cash withdrawals/closures up to £500. However, cash withdrawals/closures between £500 and £2,500 require a minimum of 24 hours’ notice.
• Withdrawals/closures can be made by post (cheque only) and must include a signed letter requesting the amount OR a completed closure form. Cheques will only be made payable to the account holder(s).
• Faster payments can be made to a nominated UK bank account free of charge in the account holder’s name. The maximum withdrawal amount via faster payment is £75,000.
• The minimum CHAPS withdrawal £5,000 and will incur a £25 administrative fee.
• The minimum withdrawal allowed by cheque is £10.
• Withdrawals can be made in branch with the passbook. Withdrawals will not be allowed without the passbook.

• We pay all savings interest gross – no tax is deducted. You are responsible for paying any tax due based on your individual Circumstances. Tax rules may change in future.
• The maximum combined deposit across all accounts with The Stafford Building Society is £450,000 per customer.
• Your savings are protected up to £120,000 per eligible person with the FSCS compensation scheme.
• It’s worth noting that any of our accounts can be withdrawn from sale at any time and without notice.

*Gross: Interest paid without any tax deducted. You are responsible for paying any tax due, depending on your individual circumstances and allowances.
*AER: The Annual Equivalent Rate shows what the earnings on your savings would be if interest was paid and compounded once each year.
The rates and information are accurate as of 06/2026.