Notice 180 – Monthly Interest

4.61% AER/Gross a year effective from 27/08/2025

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 will find full details of this and the reasons why we may change the interest rate in our savings terms and conditions.

This projection assumes that £5,000 is deposited into the account when it is opened and that no further deposits, withdrawals or interest rate changes occur 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 to the nominated bank account

Estimated balances are for illustrative purposes only.

• The account can be opened in branch, by post or online.
• This is a passbook-based account and can be operated in branch or by post at your own expense.
• Available to private individuals.
• Available to UK residents only.
• Limits apply to cash deposits and withdrawals (see Savings Terms and Conditions).
• You can save from: £5,000.
• Maximum Balance: £450,000 (Subject to an individual’s total overall savings balance with The Society does not exceed £450,000).

• You are allowed a maximum of 2 account based withdrawals each society year (1st November to 31st October).
• Withdrawals, closure or transfers to another account with us are subject to 180 days’ notice. You will be given a maximum of five working days to make the withdrawal once the 180 days’ notice has been served.
• Cash withdrawals are limited to £2,500 per day.
• Withdrawals will not be allowed without the passbook.
• Faster payments can be made to a nominated UK bank account in the account holder’s name.
• 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).
• The minimum withdrawal allowed by cheque is £10.
• The minimum CHAPS withdrawal £5,000 and will incur a £25 administrative fee.

• Individuals can hold a maximum of one individual and one joint Notice 180 Monthly account with the Society.
• 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.
• Please note: The maximum deposit permitted in a Notice 180 Monthly account is £450,000.
• The maximum combined deposit across all accounts with The Stafford Building Society is £450,000 per customer.
• Interest is paid away on a monthly to a nominated bank.
• Your savings are protected up to £85,000 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.