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
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
Instant access ISA. Interest is paid without deduction of tax.-
Minimum Account Balance
£1 upwards
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Interest Rate (AER/Gross)
2.75%
-
Withdrawal Notice Period
None
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Notice 45 Cash ISA
45 day withdrawal notice ISA. Interest is paid without deduction of tax.-
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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Junior Cash ISA Issue 2
ISA for under 18s. Interest is paid without deduction of tax.-
Minimum Account Balance
£1000 upwards
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Interest Rate (AER/Gross)
3.75%
-
Withdrawal Notice Period
None
-
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Junior Cash ISA Issue 1
ISA for under 18s. Interest is paid without deduction of tax.-
Minimum Account Balance
£1 upwards
-
Interest Rate (AER/Gross)
4.00%
-
Withdrawal Notice Period
None
-
-
Fixed Rate Cash ISA
Fixed Rate Cash ISA fixed until 30th April 2026-
Minimum Account Balance
£5000 - £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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Notice 60 Cash ISA
60 day withdrawal notice ISA. Interest is paid without deduction of tax.-
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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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)
Instant access savings account.-
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
Instant access savings account. Interest is paid monthly.-
Minimum Account Balance
£1 - £450,000
-
Interest Rate (AER/Gross)
2.40%
-
Withdrawal Notice Period
None
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Triple Access Pullman (Instant Access)
Savers account with three instant access withdrawals a year.-
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
A monthly savings account that offers 4 instant access withdrawals per year.-
Minimum Account Balance
£25 upwards
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Interest Rate (AER/Gross)
4.40%
-
Withdrawal Notice Period
None
-
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Cash ISA
Instant access ISA. Interest is paid without deduction of tax.-
Minimum Account Balance
£1 upwards
-
Interest Rate (AER/Gross)
2.75%
-
Withdrawal Notice Period
None
-
-
Notice 45 Cash ISA
45 day withdrawal notice ISA. Interest is paid without deduction of tax.-
Minimum Account Balance
£100 upwards
-
Interest Rate (AER/Gross)
3.50%
-
Withdrawal Notice Period
45 Days
-
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Notice 35
35 day withdrawal notice savings account.-
Minimum Account Balance
£5000 - £75,000
-
Interest Rate (AER/Gross)
2.85%
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Withdrawal Notice Period
35 Days
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Notice 60
60 day withdrawal notice savings account.-
Minimum Account Balance
£5000 - £100,000
-
Interest Rate (AER/Gross)
3.05%
-
Withdrawal Notice Period
60 Days
-
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Notice 90
90 day withdrawal notice savings account.-
Minimum Account Balance
£5000 - £150,000
-
Interest Rate (AER/Gross)
3.90%
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Withdrawal Notice Period
90 Days
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Notice 120
120 day withdrawal notice savings account.-
Minimum Account Balance
£5000 - £150,000
-
Interest Rate (AER/Gross)
4.45%
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Withdrawal Notice Period
120 Days
-
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Notice 120 – Monthly Interest
120 day withdrawal notice savings account. Interest is paid away monthly.-
Minimum Account Balance
£5000 - £150,000
-
Interest Rate (AER/Gross)
4.45%
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Withdrawal Notice Period
120 Days
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Fixed Rate Cash ISA
Fixed Rate Cash ISA fixed until 30th April 2026-
Minimum Account Balance
£5000 - £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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Notice 60 Cash ISA
60 day withdrawal notice ISA. Interest is paid without deduction of tax.-
Minimum Account Balance
£100 upwards
-
Interest Rate (AER/Gross)
4.35%
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Withdrawal Notice Period
60 Days
-
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- Child Accounts
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First Track Children’s Saver
Instant access savings account for children up to 18.-
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
ISA for under 18s. Interest is paid without deduction of tax.-
Minimum Account Balance
£1000 upwards
-
Interest Rate (AER/Gross)
3.75%
-
Withdrawal Notice Period
None
-
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Junior Cash ISA Issue 1
ISA for under 18s. Interest is paid without deduction of tax.-
Minimum Account Balance
£1 upwards
-
Interest Rate (AER/Gross)
4.00%
-
Withdrawal Notice Period
None
-
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- Affinity Accounts
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Pullman Affinity – World Land Trust
Yearly donation of 0.20% of your annual balance to World Land Trust.-
Minimum Account Balance
£100 - £100,000
-
Interest Rate (AER/Gross)
2.35%
-
Withdrawal Notice Period
None
-
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Black & White Affinity
Yearly donation of 0.20% of your annual balance to Stafford Rangers Football Club-
Minimum Account Balance
£100 - £100,000
-
Interest Rate (AER/Gross)
2.35%
-
Withdrawal Notice Period
None
-
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Black & Amber Affinity
Yearly donation of 0.20% of your annual balance to Stafford Rugby Club-
Minimum Account Balance
£100-£100,000
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Interest Rate (AER/Gross)
2.35%
-
Withdrawal Notice Period
None
-
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Katharine House Hospice Affinity
Yearly donation of 0.20% of your annual balance to Katharine House Hospice-
Minimum Account Balance
£100 - £100,000
-
Interest Rate (AER/Gross)
2.35%
-
Withdrawal Notice Period
None
-
-
Support Staffordshire
Yearly donation of 0.20% of your annual balance to Support Staffordshire charity.-
Minimum Account Balance
£100 - £100,000
-
Interest Rate (AER/Gross)
2.35%
-
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 | |
|---|---|---|---|---|
| Adult Account | ||||
| Pullman (Instant Access) Instant access savings account. |
£1 - £450,000 | 2.40% | None | |
| Pullman (Instant Access)- Monthly Interest Instant access savings account. Interest is paid monthly. |
£1 - £450,000 | 2.40% | None | |
| Triple Access Pullman (Instant Access) Savers account with three instant access withdrawals a year. |
£1 - £450,000 | 2.85% | None | |
| Regular Saver – Issue 1 A monthly savings account that offers 4 instant access withdrawals per year. |
£25 upwards | 4.40% | None | |
| Cash ISA Instant access ISA. Interest is paid without deduction of tax. |
£1 upwards | 2.75% | None | |
| Notice 45 Cash ISA 45 day withdrawal notice ISA. Interest is paid without deduction of tax. |
£100 upwards | 3.50% | 45 Days | |
| Notice 35 35 day withdrawal notice savings account. |
£5000 - £75,000 | 2.85% | 35 Days | |
| Notice 60 60 day withdrawal notice savings account. |
£5000 - £100,000 | 3.05% | 60 Days | |
| Notice 90 90 day withdrawal notice savings account. |
£5000 - £150,000 | 3.90% | 90 Days | |
| Notice 120 120 day withdrawal notice savings account. |
£5000 - £150,000 | 4.45% | 120 Days | Closed Issue |
| Notice 120 – Monthly Interest 120 day withdrawal notice savings account. Interest is paid away monthly. |
£5000 - £150,000 | 4.45% | 120 Days | Closed Issue |
| Fixed Rate Cash ISA Fixed Rate Cash ISA fixed until 30th April 2026 |
£5000 - £85,000 | 4.10% | No Notice Period - Charges WILL apply | Closed Issue |
| Notice 60 Cash ISA 60 day withdrawal notice ISA. Interest is paid without deduction of tax. |
£100 upwards | 4.35% | 60 Days | Closed Issue |
| Child Account | ||||
| First Track Children’s Saver Instant access savings account for children up to 18. |
£1 - £50,000 | 2.85% | None | |
| Junior Cash ISA Issue 2 ISA for under 18s. Interest is paid without deduction of tax. |
£1000 upwards | 3.75% | None | |
| Junior Cash ISA Issue 1 ISA for under 18s. Interest is paid without deduction of tax. |
£1 upwards | 4.00% | None | Closed Issue |
| Affinity Account | ||||
| Pullman Affinity – World Land Trust Yearly donation of 0.20% of your annual balance to World Land Trust. |
£100 - £100,000 | 2.35% | None | |
| Black & White Affinity Yearly donation of 0.20% of your annual balance to Stafford Rangers Football Club |
£100 - £100,000 | 2.35% | None | |
| Black & Amber Affinity Yearly donation of 0.20% of your annual balance to Stafford Rugby Club |
£100-£100,000 | 2.35% | None | |
| Katharine House Hospice Affinity Yearly donation of 0.20% of your annual balance to Katharine House Hospice |
£100 - £100,000 | 2.35% | None | |
| Support Staffordshire Yearly donation of 0.20% of your annual balance to Support Staffordshire charity. |
£100 - £100,000 | 2.35% | None | |
| Corporate | ||||
| 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.
