Savings Rates

Effective from 1 December 2026

Instant Access and Local Charity Saver	Gross %	AER† %	Previous Rate %
Balance £100,000 and above	1.25	1.25	1.20
Balance £50,000 – £99,999.99	1.15	1.15	1.10
Balance £25,000 – £49,999.99	1.05	1.05	1.00
Balance £10,000 – £24,999.99	1.00	1.00	0.95
Balance £100 – £9,999.99	1.00	1.00	0.90
Balance less than £100	1.00	1.00	0.86

Tax Free Savings	Gross %	AER† %	Previous Rate %
Cash ISA - Instant Access
Balance £3,000 and above	1.20	1.20	1.15
Balance less than £3,000	1.15	1.15	1.10
Limited Withdrawal Cash ISA	2.50	2.50	2.45

Children's Savings	Gross %	AER† %	Previous Rate %
Young Saver	1.45	1.45	1.40
Junior ISA	2.30	2.30	2.25
Smarter Future Saver	5.55	5.55	5.50

Regular Savings	Gross %	AER† %	Previous Rate %
1 Year Branch Smart Saver	6.35	6.35	6.30

Corporate Savings	Gross %	AER† %	Previous Rate %
Corporate Smart Access Saver	3.95	3.95	3.90

Limited Access	Gross %	AER† %	Previous Rate %
Limited Access Saver	3.30	3.30	3.25
Dual Access Saver - Issue 1 (Branch)	4.32	4.32	4.27
Dual Access Saver Issue 2 (Online)	4.32	4.32	4.27

Boosted Base Rate Trackers ##	Gross %	AER† %	Previous Rate %
Branch Boosted Base Rate Tracker Issue 2##	4.50	4.50	4.25
Online Boosted Base Rate Tracker Issue 2 ##	4.50	4.50	4.25

Jet Set Saver	Gross %	AER† %	Previous Rate %
Jet Set Saver - Branch	2.35	2.35	2.30
Jet Set Saver - Online	2.35	2.35	2.30

	Gross %	AER† %	Previous Rate %
Notice 50
Notice 50 Branch	4.25	4.25	4.20
Notice 50 Online	4.25	4.25	4.20
Potteries Prize Saver Account
Balance £100 and above	1.00	1.00	0.95

Loyalty Savings	Gross %	AER† %	Previous Rate %
Member Loyalty Saver 1	3.65	3.65	3.60
Member Loyalty Saver Issue 2	2.15	2.15	2.10

Closed Issues*	Gross %	AER† %	Previous Rate %
Cash ISA - 30 Day Notice	1.25	1.25	1.20
Cash ISA - 60 Day Notice	1.45	1.45	1.40
Childs Trust Fund	1.75	1.75	1.70
Corporate Tracker Issue 6 #$	3.00	3.00	3.00
Corporate Tracker Issue 5 #	5.00	5.00	4.75
DMH Saver^^	1.00	1.00	0.86
Monthly Income Saver	1.15	1.15	1.10
Postal 180 Day Notice	1.25	1.25	1.20
Postal 180 Day Notice - Issue 2	1.30	1.30	1.25
Branch Saver #	4.00	4.00	3.75
Online Regular Saver	3.95	3.95	3.90
1 Year Online Smart Saver	6.35	6.35	6.30
Dual Access Saver Issue 3	4.05	4.05	4.00
Regular Saver	1.25	1.25	1.20
Online Boosted Base Rate Tracker ##	5.00	5.00	4.75
Branch Boosted Base Rate Saver	5.00	5.00	4.75
Member Loyalty Saver Issue 3	1.85	1.85	1.80
Corporate Saver
Balance £100,000 and above	1.00	1.00	0.65
Balance £50,000 - £99,999.99	1.00	1.00	0.45
Balance less than £50,000	1.00	1.00	0.40
Cash ISA - Regular Saver	0.70	0.70	0.65
Branch Regular Saver	1.25	1.25	1.20
Home Deposit Saver	2.80	2.80	2.75

Notice Accounts - Closed Issues*	Gross %	AER† %	Previous Rate %
Notice 30 - Annual Interest
Balance £200,000 and above	1.40	1.40	1.35
Balance £100,000 – £199,999.99	1.30	1.30	1.25
Balance £50,000 – £99,999.99	1.00	1.00	0.95
Balance £25,000 – £49,999.99	1.00	1.00	0.90
Balance £10,000 – £24,999.99	1.00	1.00	0.85
Balance less than £10,000	1.00	1.00	0.80
Notice 30 - Monthly Interest
Balance £200,000 and above	1.40	1.40	1.35
Balance £100,000 – £199,999.99	1.30	1.30	1.25
Balance £50,000 – £99,999.99	1.00	1.00	0.95
Balance £25,000 – £49,999.99	1.00	1.00	0.90
Balance £10,000 – £24,999.99	1.00	1.00	0.85
Balance less than £10,000	1.00	1.00	0.80
Notice 90 - Annual Interest
Balance £100,000 and above	1.85	1.85	1.80
Balance £50,000 – £99,999,99	1.60	1.60	1.55
Balance £25,000 – £49,999.99	1.50	1.50	1.45
Balance less than £25,000	1.45	1.45	1.40
Notice 90 - Monthly Interest
Balance £100,000 and above	1.85	1.85	1.80
Balance £50,000 – £99,999,99	1.60	1.60	1.55
Balance £25,000 – £49,999.99	1.50	1.50	1.45
Balance less than £25,000	1.45	1.45	1.40

All above interest rates are variable.

# Account is linked to the Bank of England Base Rate (Effective from 1 December 2026).

## Account linked to the Bank of England Base Rate (effective from 1 December 2026); please refer to the individual account terms and conditions for further details.

The maximum investment balance for new accounts is £300,000, whether held in single or joint names.

* Closed Issue means that these accounts are unavailable to new customers, however existing customers can operate their account in line with the appropriate account terms and conditions.

† Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and added each year and has been rounded to two decimal places.

^^ DMH- interest rates and tiers are the same as Instant Access / Local Charity saver accounts.

$Product capped at 3%.

See individual terms and conditions for interest rate loading above the Bank of England Base Rate. Historical Bank of England Base Rates are available at www.bankofengland.co.uk.

In some circumstances customers will be required to pay tax on interest earned. More information is available at Tax on savings interest: How much tax you pay – GOV.UK (www.gov.uk)