Simplifying savings terms to help you make informed decisions.
Important Notice
Following exceptional demand, our Fixed Rate Cash ISA Issue 2 is now closed to new account applicants.
Members with a Fixed Rate Cash ISA Issue 1 maturing on 30 April 2026, may still transfer their funds into Issue 2. We will contact you regarding this shortly, please await our communication. For further information, please call our Member Support team on 01785 223212.
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 Cash ISAs is built with local people in mind. From Cash ISAs and Junior ISAs to Notice Cash ISA 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 Cash 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 Cash ISAs offer a higher interest rate in exchange for a 45-day, 60-day or a 90-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 Cash 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 2026/27 tax year, helping to grow long-term savings efficiently.
Every Cash 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 The 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 a Cash or Junior Cash 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 Cash ISA products – including Cash, Notice, and Junior ISAs – come with competitive rates, full FSCS protection up to £120,000, and terms that are clear and fair. But more importantly, they come with the peace of mind that you’re saving with a building society that puts people before profit.
ISA FAQs
What is a Cash ISA?
A Cash ISA is a savings account that lets you earn interest without paying tax on that interest. It is designed to help you save securely within your annual ISA allowance.
How much can I pay into a Cash ISA each tax year?
You can currently pay up to £20,000 into ISAs each tax year, across all adult ISA accounts you hold. From 6 April 2027, the Cash ISA limit will be £12,000 for savers under 65, while the overall ISA allowance will remain £20,000.
Can I withdraw money from a Cash ISA at any time?
It depends on the account. The Stafford’s standard Cash ISA has no withdrawal notice period, but Notice Cash ISAs require notice before you can take money out.
On The Stafford’s standard Cash ISA, withdrawals do not make the account flexible, so taking money out does not increase how much you can pay back in during the same tax year.
Is my money protected in a Cash ISA?
Yes. Eligible deposits held with The Stafford are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per eligible person.
Can I open a Cash ISA online?
Yes. You can open a Cash ISA with The Stafford online. You can apply online, in our Stafford branch or by post, whichever suits you best. Our team will be happy to help.
How does a Cash ISA work?
A Cash ISA works like a savings account, but the interest you earn is tax-free. Yu can pay in up to your annual ISA allowance, and the acess rules depend on the type of Cash ISA you choose, such as instant access or notice period.
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Table View
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Cash ISA
Grow your savings, tax-free on your own terms. Easy access savings account with interest paid annually on 31st of October. ISA deposit limits apply.-
Minimum Account Balance
£1 upwards
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Interest Rate (AER/Gross)
2.25% AER/Tax-Free* Variable%
-
Withdrawal Notice Period
None
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Notice 45 Cash ISA
A simple, structured way to grow your ISA savings. Access your tax-free savings with only 45 days’ notice up to a maximum of 4 times a year. Interest paid annually on 31st of October. ISA deposit limits apply.-
Minimum Account Balance
£100 upwards
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Interest Rate (AER/Gross)
3.15% AER/Tax-Free* Variable%
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Withdrawal Notice Period
45 Days
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Notice 60 Cash ISA
A savings account designed to give you flexibility and control. Access your tax-free savings with 60 days’ notice up to a maximum of 4 times a year. Interest paid annually on 31st of October. ISA deposit limits apply.-
Minimum Account Balance
£100 upwards
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Interest Rate (AER/Gross)
4.00% AER/Tax-Free* Variable%
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Withdrawal Notice Period
60 Days
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Notice 90 Cash ISA
Strike the right balance between planning and access. Access your tax-free savings with only 90 days’ notice up to a maximum of 4 times a year. Interest paid annually on 31st of October. ISA deposit limits apply.-
Minimum Account Balance
£100 upwards
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Interest Rate (AER/Gross)
4.10% AER/Tax-Free* Variable%
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Withdrawal Notice Period
90 Days
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Fixed Rate Cash ISA Issue 2 – Closed Issue
Closed Issue. Lock in your rate until April 2027 with a tax-free, Fixed Rate ISA. Interest rate fixed until 06.05.2027. No withdrawals after the 14-day cooling off period until account maturity. ISA deposit limits apply.-
Minimum Account Balance
£5,000 - £450,000
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Interest Rate (AER/Gross)
4.41% AER/Tax-Free* Fixed%
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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. Easy access savings account with interest paid annually on 31st of October.-
Minimum Account Balance
£1 - £450,000
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Interest Rate (AER/Gross)
1.90% AER/Gross* Variable%
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Withdrawal Notice Period
None
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Pullman (Instant Access)- Monthly Interest
Grow your savings on your terms. Easy access savings account with interest paid monthly into your nominated bank account.-
Minimum Account Balance
£1 - £450,000
-
Interest Rate (AER/Gross)
1.90% AER/Gross* Variable%
-
Withdrawal Notice Period
None
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Triple Access Pullman (Instant Access)
A smarter way to save. Limited access savings account with a maximum of 3 withdrawals a year. Interest paid annually on 31st of October.-
Minimum Account Balance
£100 - £450,000
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Interest Rate (AER/Gross)
2.35% AER/Gross* Variable%
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Withdrawal Notice Period
None
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Regular Saver – Issue 1
Turn regular monthly deposits into long-term gains. Limited access savings account with up to 4 withdrawals a year. Interest paid annually on 31st of October.-
Minimum Account Balance
£25 upwards
-
Interest Rate (AER/Gross)
4.15% AER/Gross* Variable%
-
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. Easy access savings account with interest paid annually on 31st of October. Matures on the child’s 21st birthday.-
Minimum Account Balance
£1 - £50,000
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Interest Rate (AER/Gross)
2.35% AER/Gross* Variable%
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Withdrawal Notice Period
None
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Junior Cash ISA Issue 2
Give them a strong financial start. Tax-free junior savings account with interest paid annually on 31st of October. Junior ISA deposit limits apply. No withdrawals permitted until maturity on child’s 18th (ISA transfers out are permitted).-
Minimum Account Balance
£1,000 upwards
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Interest Rate (AER/Gross)
3.76% AER/Tax-Free* Variable%
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Withdrawal Notice Period
None
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Junior Cash ISA Issue 1
Closed Issue. Give them a strong financial start. Tax-free junior savings account with interest paid annually on 31st of October. Junior ISA deposit limits apply. No withdrawals permitted until maturity on child’s 18th (ISA transfers out are permitted).-
Minimum Account Balance
£1 upwards
-
Interest Rate (AER/Gross)
3.75% AER/Tax-Free* Variable%
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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 while supporting environmental conservation. We donate the equivalent of 0.20% of your average balance each year to World Land Trust, at no cost to you. Easy access savings account with interest paid annually on 31 October.-
Minimum Account Balance
£100 - £100,000
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Interest Rate (AER/Gross)
1.85% AER/Gross* Variable%
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Withdrawal Notice Period
None
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Black & White Affinity
Support Stafford Rangers just by saving. We donate the equivalent of 0.20% of your average balance each year to the club at no cost to you. Easy access savings account with interest paid annually on 31st of October.-
Minimum Account Balance
£100 - £100,000
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Interest Rate (AER/Gross)
1.85% AER/Gross* Variable%
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Withdrawal Notice Period
None
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Black & Amber Affinity
Back Stafford Rugby Club while you save. We donate the equivalent of 0.20% of your average balance each year to Stafford Rugby Club each year at no cost to you. Easy access savings account with interest paid annually on 31st of October.-
Minimum Account Balance
£100 - £100,000
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Interest Rate (AER/Gross)
1.85% AER/Gross* Variable%
-
Withdrawal Notice Period
None
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Katharine House Hospice Affinity
Make your savings matter. We donate the equivalent of 0.20% of your average balance each year to Katharine House Hospice each year at no cost to you. Easy access savings account with interest paid annually on 31st of October.-
Minimum Account Balance
£100 - £100,000
-
Interest Rate (AER/Gross)
1.85% AER/Gross* Variable%
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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. We donate the equivalent of 0.20% of your average balance each year to Katharine House Hospice each year at no cost to you. Easy access savings account with interest paid annually on 31st of October.-
Minimum Account Balance
£100 - £100,000
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Interest Rate (AER/Gross)
1.85% AER/Gross* Variable%
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Withdrawal Notice Period
None
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- Corporate
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Corporate Pullman (Instant Access)
Easy access savings account for a micro, small or medium SME body. Easy access savings account with interest paid annually on 31st of October.-
Minimum Account Balance
£1 - £450,000
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Interest Rate (AER/Gross)
1.80% AER/Gross* Variable%
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Withdrawal Notice Period
None
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Scroll Table
| Name | Balance | Interest | Withdrawal Period Notice | |
|---|---|---|---|---|
| Easy Access Savings Account | ||||
| Pullman (Instant Access) Grow your savings on your terms. Easy access savings account with interest paid annually on 31st of October. |
£1 - £450,000 | 1.90% AER/Gross* Variable | None | |
| Pullman (Instant Access)- Monthly Interest Grow your savings on your terms. Easy access savings account with interest paid monthly into your nominated bank account. |
£1 - £450,000 | 1.90% AER/Gross* Variable | None | |
| Triple Access Pullman (Instant Access) A smarter way to save. Limited access savings account with a maximum of 3 withdrawals a year. Interest paid annually on 31st of October. |
£100 - £450,000 | 2.35% AER/Gross* Variable | None | |
| Regular Saver – Issue 1 Turn regular monthly deposits into long-term gains. Limited access savings account with up to 4 withdrawals a year. Interest paid annually on 31st of October. |
£25 upwards | 4.15% AER/Gross* Variable | None | |
| Notice Savings Accounts | ||||
| Notice 35 Enjoy flexibility with growth. Access your savings with only 35 days’ notice up to a maximum of 4 times a year. Interest paid annually on 31st of October. |
£5,000 - £450,000 | 2.50% AER/Gross* Variable | 35 Days | |
| Notice 60 A savings account designed to give you flexibility and control. Access your savings with only 60 days’ notice up to a maximum of 4 times a year. Interest paid annually on 31st of October. |
£5,000 - £450,000 | 2.70% AER/Gross* Variable | 60 Days | |
| Notice 90 Strike the right balance between planning and access. Access your savings with 90 days’ notice up to a maximum of 4 times a year. Interest paid annually on 31st of October. |
£5,000 - £450,000 | 3.55% AER/Gross* Variable | 90 Days | |
| E-Saver Notice 90 The E-Saver Notice 90 is an online-only savings account offering a balanced way to grow your money. Access your savings with 90 days’ notice up to a maximum of 4 times a year. Interest paid annually on 31st of October. |
£5,000 - £450,000 | 3.80% AER/Gross* Variable | 90 Days | |
| Notice 120 A savings account offering structured access and flexibility for savers managing mid to long-term funds. Access your savings with 120 days’ notice up to a maximum of 3 times a year. Interest paid annually on 31st of October. |
£5,000 - £450,000 | 4.10% AER/Gross* Variable | 120 Days | |
| Notice 120 – Monthly Interest Save with confidence and get monthly interest while keeping control of your funds. Access your savings with 120 days’ notice up to a maximum of 3 times a year. Interest paid monthly into your nominated bank account. |
£5,000 - £450,000 | 4.10% AER/Gross* Variable | 120 Days | |
| Notice 180 A practical choice for long-term savers. Access your savings with 180 days’ notice up to a maximum of 2 times a year. Interest paid annually on 31st of October. |
£5,000 - £450,000 | 4.26% AER/Gross* Variable | 180 Days | |
| Notice 180 – Monthly Interest Ideal for those seeking regular income from long term savings. Access your savings with 180 days’ notice up to a maximum of 2 times a year. Interest paid monthly into your nominated bank account. |
£5,000 - £450,000 | 4.26% AER/Gross* Variable | 180 Days | |
| Fixed Rate Bond | ||||
| Fixed Rate Bond 30.06.27 Lock in your rate until June 2027 with a Fixed Rate Bond. Interest rate fixed until 30.06.2027. No withdrawals after the 14 day cooling off period until account maturity. |
£1,000 - £450,000 | 4.60% AER/Gross* Fixed | No Access | |
| ISA | ||||
| Cash ISA Grow your savings, tax-free on your own terms. Easy access savings account with interest paid annually on 31st of October. ISA deposit limits apply. |
£1 upwards | 2.25% AER/Tax-Free* Variable | None | |
| Notice 45 Cash ISA A simple, structured way to grow your ISA savings. Access your tax-free savings with only 45 days’ notice up to a maximum of 4 times a year. Interest paid annually on 31st of October. ISA deposit limits apply. |
£100 upwards | 3.15% AER/Tax-Free* Variable | 45 Days | |
| Notice 60 Cash ISA A savings account designed to give you flexibility and control. Access your tax-free savings with 60 days’ notice up to a maximum of 4 times a year. Interest paid annually on 31st of October. ISA deposit limits apply. |
£100 upwards | 4.00% AER/Tax-Free* Variable | 60 Days | |
| Notice 90 Cash ISA Strike the right balance between planning and access. Access your tax-free savings with only 90 days’ notice up to a maximum of 4 times a year. Interest paid annually on 31st of October. ISA deposit limits apply. |
£100 upwards | 4.10% AER/Tax-Free* Variable | 90 Days | |
| Fixed Rate Cash ISA Issue 2 – Closed Issue Closed Issue. Lock in your rate until April 2027 with a tax-free, Fixed Rate ISA. Interest rate fixed until 06.05.2027. No withdrawals after the 14-day cooling off period until account maturity. ISA deposit limits apply. |
£5,000 - £450,000 | 4.41% AER/Tax-Free* Fixed | No Notice Period - Charges WILL apply | Closed Issue |
| Affinity Savings Accounts | ||||
| World Land Trust Affinity Grow your savings while supporting environmental conservation. We donate the equivalent of 0.20% of your average balance each year to World Land Trust, at no cost to you. Easy access savings account with interest paid annually on 31 October. |
£100 - £100,000 | 1.85% AER/Gross* Variable | None | |
| Black & White Affinity Support Stafford Rangers just by saving. We donate the equivalent of 0.20% of your average balance each year to the club at no cost to you. Easy access savings account with interest paid annually on 31st of October. |
£100 - £100,000 | 1.85% AER/Gross* Variable | None | |
| Black & Amber Affinity Back Stafford Rugby Club while you save. We donate the equivalent of 0.20% of your average balance each year to Stafford Rugby Club each year at no cost to you. Easy access savings account with interest paid annually on 31st of October. |
£100 - £100,000 | 1.85% AER/Gross* Variable | None | |
| Katharine House Hospice Affinity Make your savings matter. We donate the equivalent of 0.20% of your average balance each year to Katharine House Hospice each year at no cost to you. Easy access savings account with interest paid annually on 31st of October. |
£100 - £100,000 | 1.85% AER/Gross* Variable | None | |
| Support Staffordshire Affinity Help support local communities with our Support Staffordshire Affinity Account. We donate the equivalent of 0.20% of your average balance each year to Katharine House Hospice each year at no cost to you. Easy access savings account with interest paid annually on 31st of October. |
£100 - £100,000 | 1.85% AER/Gross* Variable | None | |
| Child Savings Accounts | ||||
| First Track Children’s Saver Start saving for their future today, From first bike to first car. Easy access savings account with interest paid annually on 31st of October. Matures on the child’s 21st birthday. |
£1 - £50,000 | 2.35% AER/Gross* Variable | None | |
| Junior Cash ISA Issue 2 Give them a strong financial start. Tax-free junior savings account with interest paid annually on 31st of October. Junior ISA deposit limits apply. No withdrawals permitted until maturity on child’s 18th (ISA transfers out are permitted). |
£1,000 upwards | 3.76% AER/Tax-Free* Variable | None | |
| Junior Cash ISA Issue 1 Closed Issue. Give them a strong financial start. Tax-free junior savings account with interest paid annually on 31st of October. Junior ISA deposit limits apply. No withdrawals permitted until maturity on child’s 18th (ISA transfers out are permitted). |
£1 upwards | 3.75% AER/Tax-Free* Variable | None | Closed Issue |
| Corporate Savings Accounts | ||||
| Corporate Pullman (Instant Access) Easy access savings account for a micro, small or medium SME body. Easy access savings account with interest paid annually on 31st of October. |
£1 - £450,000 | 1.80% AER/Gross* Variable | 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.
