Fixed Rate Cash ISA

4.10% AER/Tax-Free* Fixed for a year effective from 30/04/2025

No, this account offers a fixed interest rate that will remain unchanged throughout the term. Regardless of any changes to the Bank of England Base Rate, your rate is guaranteed until the maturity date on 30 April 2026.

This projection assumes the following:

• £5,000 is deposited into the account at the time it is opened.
• No further deposits or withdrawals are made.

Estimated balances are for illustrative purposes only.

• Available to private individual UK residents aged 18 years or over ONLY.
• The account can be opened in branch, online or by post.
• We accept Cash ISA transfers from other ISA Managers.
• Limits apply to cash deposits and withdrawals (see Cash ISA Terms and Conditions).
• You can save between £5,000 and £85,000 (Subject to an individual’s total overall savings balance with The Society does not exceed £450,000).
• This is a limited issue account and will have limited time to pay in.
• Transfers into the ISA from existing accounts held with the Society are permitted, including from existing Society ISA accounts.
• This is a passbook based account and can be operated in branch or by post at members own expense.

• Yes, withdrawals and closures from this account are accepted but you’ll be charged for these. You’ll be charged the equivalent of 90 days’ tax-free interest to make withdrawals, close your account early or to transfer money to another ISA.  
• This means you may get back less than you put in if you withdraw within 90 days of investing.
• A 14 day cooling off period will apply to this account. This means that if you change your mind, you have 14 calendar days to close the account without notice, charge or loss of interest. Day 1 starts on the day the account is opened.
• Upon account maturity, the bond will be automatically converted into our Instant Access Cash ISA.

• Only one account of this type per person.
• 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.
• Tax free – the contractual rate of interest payable where interest is exempt from income tax. Any reference to tax is based on our understanding of current tax regulations which may change in the future and depends on your individual financial circumstances.
• It’s worth noting that any of our accounts can be withdrawn from sale at any time and without notice.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.

*AER: The Annual Equivalent Rate shows what the earnings on your savings would be if interest was paid and compounded once each year.

*Tax-Free: Interest paid is exempt from tax.