Notice 45 Cash ISA

3.15% AER/Tax-Free* Variable for a year effective from 23/01/2026

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.

• The account can be opened in branch, online or by post.
• Available to private individuals only.
• Available to United Kingdom residents aged 18 years or over.
• We accept Cash ISA transfers from other ISA Managers.
• Once the maximum amount has been subscribed in any tax year (Currently £20,000) no further subscriptions will be allowed regardless of how much is withdrawn. (This is not a flexible ISA account).
• It is a passbook-based account and can be opened in branch, by post or online, and operated in branch or by post at the member’s own expense.
• Limits apply to cash deposits and withdrawals (see  Cash ISA terms and conditions).
• Minimum Balance: £100.
• Maximum Balance: £75,000 (Subject to an individual’s total overall savings balance with The Society does not exceed £450,000).
• You are allowed a maximum of 4 account based withdrawals each society year.

• This account is for people who do not need immediate access to their funds as immediate withdrawals will not be allowed. 
• You are allowed a maximum of 4 account based withdrawals each society year.
• Withdrawals and closures are subject to 45 days’ written or verbal notice. You will be given a maximum of five working days to complete the withdrawal after the 45-day notice period has passed.
• You can transfer out your ISA without giving notice, but this will incur a penalty equivalent to 45 days’ interest. To avoid this penalty, you can give the required notice before initiating the transfer. Please note that if you transfer your ISA within the first 45 days of opening your account, the penalty may exceed the interest earned, meaning you could get back less than you originally paid in.
• Cash withdrawals are limited to £2,500 each day & require 24 hours’ notice over £500.
• Withdrawals will not be allowed without the passbook
• Withdrawals can only be made by cash or by faster payment to your nominated bank account.

• This account is for people who do not need immediate access to their funds as immediate withdrawals will not be allowed. You must provide 45 days’ notice either by calling or writing to us.
• 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.

*Tax-Free: Interest which is paid that is exempt from tax.
*AER: The Annual Equivalent Rate shows what the earnings on your savings would be if interest was paid and compounded once each year.