Savings Rates

Effective from 1st February 2026

Instant Access and Local Charity Saver	Gross %	AER† %	Previous Rate %
Balance £100,000 and above	1.20	1.20	1.40
Balance £50,000 – £99,999.99	1.10	1.10	1.30
Balance £25,000 – £49,999.99	1.00	1.00	1.10
Balance £10,000 – £24,999.99	0.95	0.95	1.05
Balance £100 – £9,999.99	0.90	0.90	1.00
Balance less than £100	0.86	0.86	0.96

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

Tax Free Savings	Gross %	AER† %	Previous Rate %
Cash ISA - Instant Access
Balance £3,000 and above	1.15	1.15	1.40
Balance less than £3,000	1.10	1.10	1.35
Cash ISA - Regular Saver	1.65	1.65	1.90
Limited Withdrawal Cash ISA	2.45	2.45	2.70

Children's Savings	Gross %	AER† %	Previous Rate %
Young Saver	1.40	1.40	1.65
Junior ISA	2.25	2.25	2.50

Regular Savings	Gross %	AER† %	Previous Rate %
Branch Regular Saver	1.20	1.20	1.45
1 Year Branch Smart Saver	6.30	6.30	6.50

Corporate Savings	Gross %	AER† %	Previous Rate %
Corporate Saver
Balance £100,000 and above	0.65	0.65	0.85
Balance £50,000 - £99,999.99	0.45	0.45	0.65
Balance less than £50,000	0.40	0.40	0.60
Corporate Smart Access Saver	3.85	3.85	N/A

Homebuyer Savings	Gross %	AER† %	Previous Rate %
Home Deposit Saver	2.75	2.75	2.95

Limited Access	Gross %	AER† %	Previous Rate %
Limited Access Saver	3.25	3.25	3.50
Dual Access Saver - Branch	4.27	4.27	N/A

Jet Set Saver	Gross %	AER† %	Previous Rate %
Jet Set Saver - Branch	2.30	2.30	2.50
Jet Set Saver - Online	2.30	2.30	2.50

Loyalty Savings	Gross %	AER† %	Previous Rate %
Member Loyalty Saver 1	3.60	3.60	3.85
Member Loyalty Saver Issue 2	2.10	2.10	2.35
Member Loyalty Saver Issue 3	1.80	1.80	2.00

Closed Issues*	Gross %	AER† %	Previous Rate %
Cash ISA - 30 Day Notice	1.20	1.20	1.45
Cash ISA - 60 Day Notice	1.40	1.40	1.65
Childs Trust Fund	1.70	1.70	1.95
Corporate Tracker Issue 6 #$	3.00	3.00	3.00
Corporate Tracker Issue 5 #	4.75	4.75	5.00
DMH Saver^^	0.86	0.86	0.96
Monthly Income Saver	1.10	1.10	1.30
Postal 180 Day Notice	1.20	1.20	1.45
Postal 180 Day Notice - Issue 2	1.25	1.25	1.45
Regular Saver	1.20	1.20	1.45
Branch Saver #	3.75	3.75	4.00
Online Regular Saver	3.90	3.90	4.15
1 Year Online Smart Saver	6.30	6.30	6.30
Dual Access Saver - Online	4.27	4.27	N/A

All above interest rates are variable.

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

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)