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.
Tax-Free ISAs in Staffordshire
An ISA (Individual Savings Account) is a smart way to grow your savings tax-free – and with The Stafford Building Society, you’re doing so with a name that’s assured across Staffordshire. Whether you’re saving for a rainy day, your child’s future, or a long-term goal, our range of ISAs is built with local people in mind. From Cash ISAs and Junior ISAs to Notice Account options, we’re here to help you find the right fit. As a proud part of the Stafford community, we offer friendly guidance, competitive rates, and genuine local service that puts your needs first.
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ISAs Explained
An Individual Savings Account (ISA) allows you to earn tax-free interest on your savings – a highly efficient way to make your money work harder. At The Stafford Building Society, we provide ISA options designed specifically with our local savers in mind, offering simple, clear choices to suit different savings styles.
Our Cash ISA offers quick access to your money, giving you flexibility without losing the tax-free benefit. For savers who can plan ahead and want a more rewarding return, our Notice ISA offers a higher interest rate in exchange for a 45-day notice period before you withdraw. It’s a great option for those seeking better rates while still maintaining some access to their funds.
If you’re saving for a child, our Junior ISA allows you to build a tax-free savings pot of up to £9,000 per year – a strong foundation for their financial future. Meanwhile, adults can contribute up to £20,000 across their ISA accounts in the 2025/26 tax year, helping to grow long-term savings efficiently.
Every ISA we offer is underpinned by clarity, accessibility, and our deep commitment to the Staffordshire community. Whether you’re new to saving or looking to maximise your tax-free allowance, we offer practical options and straightforward support.
Why Choose The Stafford Building Society for Your Savings?
At Stafford Building Society, we believe saving should be personal, local, and trusted. As a Staffordshire-based mutual with deep roots in the region, we’ve spent decades supporting local savers with products and help that reflect real-life needs – not corporate targets.
Choosing to open an ISA with us means working with a team that understands the local area and values relationships over transactions. We don’t just offer financial products – we offer guidance, clarity, and reassurance. Whether you’re exploring ISAs for the first time or transferring an existing account, we’re here to help every step of the way.
We’re proud to offer easy access for all our members, whether online or in-branch. If you’re searching for a ‘local ISA in Stafford’ or want an ‘ISA application near me’, our blend of digital convenience and face-to-face service ensures you feel supported throughout.
Our ISA products – including Cash and Junior ISAs – come with competitive rates, full FSCS protection up to £85,000, and terms that are clear and fair. But more importantly, they come with the peace of mind that you’re saving with a society that puts people before profit.
ISA FAQs
How do I apply for an ISA with The Stafford?
For an ISA in Staffordshire, you can apply online or visit our Stafford branch, whichever suits you best. Our team will be happy to help.
Are The Stafford ISAs protected?
Yes – your savings are covered by the Financial Services Compensation Scheme (FSCS) up to £85,000. Find out more here.
Can I access my ISA funds at any time?
Yes, with Cash ISAs.
Our Notice Term ISAs require you to give and serve the associated notice period for withdrawals. You can transfer out of your Notice term ISA early, subject to an interest penalty, so it’s best to plan ahead.
How much can I save each year with an ISA?
The 2025/26 allowance is £20,000 for adult ISAs and £9,000 for Junior ISAs.
What is a Cash ISA?
A Cash ISA is a individual savings account that allows your money to grow tax-free – a great way to make your savings work harder.
The Stafford Building Society ISAs
Instant Access Cash ISA
Explore our flexible Cash ISA options at The Stafford Building Society.
Cash ISA
Junior Cash ISA
Start saving for your child’s future with a Junior Cash ISA from The Stafford Building Society.
JISA Issue 2
Notice Cash ISA
Learn more about our Notice Cash ISAs with competitive rates.
Notice 45 ISA
Notice 60 ISA
Our other savings options
View all our savings account options at The Stafford Building Society.
All savings options
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Table View
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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
£1 - £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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Pullman Affinity – World Land Trust
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
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 |
£1 - £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 120 day withdrawal notice savings account. Interest is paid away monthly. |
£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 | |
| 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 | ||||
| Pullman Affinity – World Land Trust 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 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 ISA 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.
