Savings Rates
Effective from 1 December 2026
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 | 3.90 | 3.90 | 3.85 |
| 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 |
| 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 |
| Branch Boosted Base Rate Saver | 4.50 | 4.50 | 4.25 |
| Online Boosted Base Rate Tracker | 4.50 | 4.50 | 4.25 |
| 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)