Long term savings goals? If you don't need immediate access to your savings, we can offer you an attractive rate of interest with our restricted access accounts.

We accept savings applications from new members or existing members who live in England or Wales.

Our restricted accounts

• Home Saver - This account is ideal if you are saving for your first home. It offers the facility for regular payments to be made with limited access to the funds until the time they are needed for that special purchase.

• Charity account  - The best of both worlds. Improving your finances and helping to improve the lives of others. Interest is payable to you as well as an annual donation being made to a one of our partnered charities. As this account has a 35 day notice period, it takes away the temptation of impulse buying.

• Treasure Plus  - If you have more than £10,000 to save then this account is worth considering. It offers a tiered interest rate structure depending on how much you have to save and also allows for instant access to funds if the balance remains over £10,000. 90 days' notice is required on withdrawals that take the balance below £10,000, otherwise a charge of 90 days' interest on the amount you withdraw, will be applied. 

• Access 180 - If you have £25,000 or more to save and a long-term savings goal in mind, then this account may be worth considering. The interest rate payable is tiered, depending on the account balance. A request to withdraw funds must be made with 180 days' notice and there is no option to withdraw early with a penalty.

For rates, terms and conditions click the relevant account link below. 

Book an appointment to talk about your savings

If you're coming to a branch to open an account we'd encourage you to make an appointment to ensure we have a savings adviser free to help you. If you'd like to book an appointment you can book online, visit a branch, call 01635 555700 or request a call back. 

Please note: Our Fixed Rate Bond (23 September 2026) has been removed from online sales and will shortly be removed from the website.