Simplifying savings terms to help you make informed decisions.
Important Notice
On 8th May 2025 the Bank of England reduced the Bank Base Rate from 4.50% to 4.25%, a reduction of 0.25%. Because of this, from June 1st, all variable savings rates with the Society will reduce by between 0.25% and 0.35%.
Additionally, all variable mortgage rates for standard residential and buy to let mortgages will reduce by 0.25% from July 1st
Click here to read more.
Click here to read more.
Instant Access Savings Accounts in Staffordshire
Looking for a savings account that gives you control over your money? At The Stafford Building Society, our Instant Access Savings Accounts are built for flexibility and simplicity. Whether you’re just starting out or want somewhere safe to hold your everyday savings, our accounts give you the freedom to deposit and withdraw at your convenience – no notice periods, no penalties.
As a trusted local savings accounts provider, we’ve been helping people across Staffordshire save with confidence for generations. Our focus is on making savings simple, accessible, and rewarding for everyone – not just those with large balances.
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What Is an Instant Access Savings Account?
An Instant Access Savings Account allows you to save money while retaining full access whenever you need it. Unlike fixed-term or notice accounts, these savings options are a great choice if you’re looking for flexibility. You can add to your savings, make withdrawals, and manage your account easily, making it well suited for emergency funds, everyday savings, or short-term goals.
These accounts can be popular with people who value peace of mind and financial agility. You won’t be tied into lengthy terms, and you can dip into your savings without having to plan ahead or give lengthy notice.
Benefits of an Instant Access Account with The Stafford Building Society
When you choose The Stafford Building Society for your savings, you’re choosing a financial partner with a deep understanding of the local community. Here’s what you need to know about how our Instant Access savings options work:
- Flexibility for your Savings: Access your savings whenever you need to. Ideal for managing cash flow and unexpected costs.
- Simple to Use: No complex terms or conditions. Just straightforward savings with interest
- Local and Personal: Speak directly with real people in-branch or over the phone.
- Part of the Community: We’ve supported Staffordshire savers for over a century, and through our savings accounts have helped the community we serve.
- Protected Savings: Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000. Find out more.
Why We're Trusted For Local Savings Accounts in Staffordshire
With over 15,000 savers, many of our members tell us they value the service and simplicity we offer when it comes to savings Our Instant Access accounts are designed with real people in mind, combining local service with a community feel.
At The Stafford Building Society, we’re not here to maximise profits for external shareholders, because we don’t have any. As a member-owned mutual, we exist to serve the interests of our members, and the community we’ve called home for over 140 years.
When you open an Instant Savings Account with us, you’re not just putting money aside, you’re becoming part of something bigger. Your savings help us to offer real support for Staffordshire communities, and provide jobs locally. It’s a model built on mutual benefit, not corporate gain.
Whether you’re a first-time saver, looking for an alternative to your current bank, or simply exploring the best savings account in Staffordshire, we offer a clear, customer-first alternative.
Find out more about our Instant Access Accounts HERE
FAQs – Instant Access Savings at The Stafford
What makes The Stafford Building Society different?
We’re rooted in Staffordshire, run for the benefit of our members, and committed to offering clear, trustworthy savings solutions backed by real people.
Is there a minimum or maximum amount I can save?
Each account has different terms – you can find detailed information on our Savings Product pages.
Are my savings protected?
Absolutely. Eligible savings are protected up to £85,000 by the FSCS.
Can I open an Instant Access account online?
Yes, you can start your application online or visit us in-branch for personalised support.
Who are Instant Access Savings Accounts best suited for?
These accounts are widely used by local savers who value flexibility while earning interest on their savings. They’re often used for emergency funds, holiday savings, or short-term goals.
The Stafford Building Society Savings Accounts
While Instant Access may be ideal for flexible saving, we also offer other options tailored to longer-term goals or regular saving habits.
Compare all savings accounts
View our full range, including notice accounts and regular savers.
Our Savings Products
Speak to your local branch
Find friendly, expert guidance in your local Staffordshire branch.
Talk To Us Today
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Cash ISA
Start saving tax-free from just £1. A flexible Cash ISA with instant access that lets your money grow at your pace, on your terms, with total freedom.-
Minimum Account Balance
£1 upwards
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Interest Rate (AER/Gross)
2.75%
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Withdrawal Notice Period
None
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Notice 45 Cash ISA
Save tax-free with only 45 days’ notice. A simple, structured way to grow your ISA savings while keeping access and future plans in balance.-
Minimum Account Balance
£100 upwards
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Interest Rate (AER/Gross)
3.50%
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Withdrawal Notice Period
45 Days
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Notice 60 Cash ISA
For those who like to plan ahead. With 60 days' notice, this Cash ISA offers tax-free growth, steady structure and complete confidence in your savings path.-
Minimum Account Balance
£100 upwards
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Interest Rate (AER/Gross)
4.35%
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Withdrawal Notice Period
60 Days
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Fixed Rate Cash ISA
Lock in a tax-free rate until 30th April 2026. A dependable Cash ISA that gives you certainty, clarity and peace of mind while your savings grow without surprises.-
Minimum Account Balance
£5,000 - £85,000
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Interest Rate (AER/Gross)
4.10%
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Withdrawal Notice Period
No Notice Period - Charges WILL apply
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Find out what current ISA products we can offer
- Adult Accounts
- Child Accounts
- Affinity Accounts
- Corporate
- Adult Accounts
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Pullman (Instant Access)
Grow your savings on your terms. Instant access with total flexibility. Start today with peace of mind and freedom to withdraw whenever needed.-
Minimum Account Balance
£1 - £450,000
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Interest Rate (AER/Gross)
2.40%
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Withdrawal Notice Period
None
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Pullman (Instant Access)- Monthly Interest
Monthly interest with instant access. Ideal for savers who want flexibility and regular returns without tying up their money or making long-term commitments.-
Minimum Account Balance
£1 - £450,000
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Interest Rate (AER/Gross)
2.40%
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Withdrawal Notice Period
None
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Triple Access Pullman (Instant Access)
A smarter way to save; access your money when needed while enjoying added flexibility and stronger returns. No complex conditions, just clarity-
Minimum Account Balance
£100 - £450,000
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Interest Rate (AER/Gross)
2.85%
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Withdrawal Notice Period
None
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Regular Saver – Issue 1
Turn regular deposits into long-term gains. Start saving with just £25 and build your balance flexibly. A simple way to grow your savings with discipline.-
Minimum Account Balance
£25 upwards
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Interest Rate (AER/Gross)
4.40%
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Withdrawal Notice Period
None
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- Child Accounts
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First Track Children’s Saver
Start saving for their future today. From first bike to first car, this flexible savings account supports every step on their journey to young adulthood.-
Minimum Account Balance
£1 - £50,000
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Interest Rate (AER/Gross)
2.85%
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Withdrawal Notice Period
None
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Junior Cash ISA Issue 2
Give them a strong financial start. This tax-free Junior ISA helps build savings for university, their first car or whatever the future may bring.-
Minimum Account Balance
£1,000 upwards
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Interest Rate (AER/Gross)
3.75%
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Withdrawal Notice Period
None
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Junior Cash ISA Issue 1
Junior Cash ISA was designed to help children save for the future - from education to independence, and continues to support our existing young savers.-
Minimum Account Balance
£1 upwards
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Interest Rate (AER/Gross)
4.00%
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Withdrawal Notice Period
None
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- Affinity Accounts
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World Land Trust Affinity
Grow your savings and help protect the planet. We donate 0.20% of your balance to World Land Trust each year at no cost to you, just by saving with us.-
Minimum Account Balance
£100 - £100,000
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Interest Rate (AER/Gross)
2.35%
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Withdrawal Notice Period
None
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Black & White Affinity
Support Stafford Rangers just by saving. We donate 0.20% of your balance every year to the club at no cost to you. It's football with financial purpose.-
Minimum Account Balance
£100 - £100,000
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Interest Rate (AER/Gross)
2.35%
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Withdrawal Notice Period
None
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Black & Amber Affinity
Back Stafford Rugby Club while you save. With 0.20% of your balance donated each year, your savings can support the team at no extra cost.-
Minimum Account Balance
£100-£100,000
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Interest Rate (AER/Gross)
2.35%
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Withdrawal Notice Period
None
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Katharine House Hospice Affinity
Make your savings matter. With 0.20% of your balance donated each year to Katharine House Hospice, you can support compassionate care while growing your savings.-
Minimum Account Balance
£100 - £100,000
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Interest Rate (AER/Gross)
2.35%
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Withdrawal Notice Period
None
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Support Staffordshire Affinity
Help support local communities with our Support Staffordshire Affinity Account. 0.20% of your balance goes to charity every year, free of charge.-
Minimum Account Balance
£100 - £100,000
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Interest Rate (AER/Gross)
2.35%
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Withdrawal Notice Period
None
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- Corporate
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Corporate Pullman (Instant Access)
Instant access savings account for a registered Charity, Limited Company, LLP, Club/Society or pension trustees of micro and SME firms.-
Minimum Account Balance
£1 - £450,000
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Interest Rate (AER/Gross)
2.30%
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Withdrawal Notice Period
None
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Scroll Table
| Name | Balance | Interest (AER/Gross) | Withdrawal Period Notice | |
|---|---|---|---|---|
| Easy Access Savings Account | ||||
| Pullman (Instant Access) Grow your savings on your terms. Instant access with total flexibility. Start today with peace of mind and freedom to withdraw whenever needed. |
£1 - £450,000 | 2.40% | None | |
| Pullman (Instant Access)- Monthly Interest Monthly interest with instant access. Ideal for savers who want flexibility and regular returns without tying up their money or making long-term commitments. |
£1 - £450,000 | 2.40% | None | |
| Triple Access Pullman (Instant Access) A smarter way to save; access your money when needed while enjoying added flexibility and stronger returns. No complex conditions, just clarity |
£100 - £450,000 | 2.85% | None | |
| Regular Saver – Issue 1 Turn regular deposits into long-term gains. Start saving with just £25 and build your balance flexibly. A simple way to grow your savings with discipline. |
£25 upwards | 4.40% | None | |
| Notice Savings Accounts | ||||
| Notice 35 Enjoy flexibility with growth. Our Notice 35 Savings Account gives you the freedom to access your savings with just 35 days' notice. Offering a balance between access and structure. |
£5,000 - £450,000 | 2.85% | 35 Days | |
| Notice 60 Plan ahead with 60 days' notice. A savings account designed to give you flexibility, control and peace of mind while building towards your goals. |
£5,000 - £450,000 | 3.05% | 60 Days | |
| Notice 90 Strike the right balance between planning and access. With 90 days' notice, save confidently and take steady steps towards your future goals. |
£5,000 - £450,000 | 3.90% | 90 Days | |
| Notice 120 Save with more structure and discipline. Our 120 day notice account helps you grow your savings over time while keeping your future in clear focus. |
£5,000 - £450,000 | 4.45% | 120 Days | |
| Notice 120 – Monthly Interest A secure Staffordshire savings account with 120-day notice and monthly interest - for those who value steady growth and the reassurance of a trusted building society. |
£5,000 - £450,000 | 4.45% | 120 Days | |
| Notice 180 Make your savings work with long-term purpose. With 180 days' notice, this account supports disciplined planning and meaningful financial goals. |
£5,000 - £450,000 | 4.61% | 180 Days | |
| E-Saver Notice 90 The E-Saver Notice 90 is an online-only savings account offering a balanced way to grow your money. With 90 days' notice required for withdrawals, it provides a blend of access, security, and a competitive return. |
£5,000 - £450,000 | 4.15% | 90 Days | |
| ISA | ||||
| Cash ISA Start saving tax-free from just £1. A flexible Cash ISA with instant access that lets your money grow at your pace, on your terms, with total freedom. |
£1 upwards | 2.75% | None | |
| Notice 45 Cash ISA Save tax-free with only 45 days’ notice. A simple, structured way to grow your ISA savings while keeping access and future plans in balance. |
£100 upwards | 3.50% | 45 Days | |
| Notice 60 Cash ISA For those who like to plan ahead. With 60 days' notice, this Cash ISA offers tax-free growth, steady structure and complete confidence in your savings path. |
£100 upwards | 4.35% | 60 Days | |
| Fixed Rate Cash ISA Lock in a tax-free rate until 30th April 2026. A dependable Cash ISA that gives you certainty, clarity and peace of mind while your savings grow without surprises. |
£5,000 - £85,000 | 4.10% | No Notice Period - Charges WILL apply | Closed Issue |
| Affinity Savings Accounts | ||||
| World Land Trust Affinity Grow your savings and help protect the planet. We donate 0.20% of your balance to World Land Trust each year at no cost to you, just by saving with us. |
£100 - £100,000 | 2.35% | None | |
| Black & White Affinity Support Stafford Rangers just by saving. We donate 0.20% of your balance every year to the club at no cost to you. It's football with financial purpose. |
£100 - £100,000 | 2.35% | None | |
| Black & Amber Affinity Back Stafford Rugby Club while you save. With 0.20% of your balance donated each year, your savings can support the team at no extra cost. |
£100-£100,000 | 2.35% | None | |
| Katharine House Hospice Affinity Make your savings matter. With 0.20% of your balance donated each year to Katharine House Hospice, you can support compassionate care while growing your savings. |
£100 - £100,000 | 2.35% | None | |
| Support Staffordshire Affinity Help support local communities with our Support Staffordshire Affinity Account. 0.20% of your balance goes to charity every year, free of charge. |
£100 - £100,000 | 2.35% | None | |
| Child Savings Accounts | ||||
| First Track Children’s Saver Start saving for their future today. From first bike to first car, this flexible savings account supports every step on their journey to young adulthood. |
£1 - £50,000 | 2.85% | None | |
| Junior Cash ISA Issue 2 Give them a strong financial start. This tax-free Junior ISA helps build savings for university, their first car or whatever the future may bring. |
£1,000 upwards | 3.75% | None | |
| Junior Cash ISA Issue 1 Junior Cash ISA was designed to help children save for the future - from education to independence, and continues to support our existing young savers. |
£1 upwards | 4.00% | None | Closed Issue |
| Corporate Savings Accounts | ||||
| Corporate Pullman (Instant Access) Instant access savings account for a registered Charity, Limited Company, LLP, Club/Society or pension trustees of micro and SME firms. |
£1 - £450,000 | 2.30% | None | |
Want to Apply for an Account?
Visit a Branch: Want to speak to someone face to face? Drop into your local Stafford branch and our team will walk you through the process.
Online Application: Start your Instant Access Savings application today through our secure online portal below.
Helpful Resources
Savings Forms & Leaflets
Find all the forms and leaflets you need to smoothly navigate our savings services, from application to deposit.
Savings Charges
A transparent list of fees and rates you may encounter during your savings journey.
Savings FAQs
Clarifying your savings queries with straightforward answers and guidance.
