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Savings

Tax-free ISAs, fixed and notice accounts, and saving straight from your pay. Pick the account that fits what you’re saving for.

Compare our accounts.

All our accounts are for members. Choose one to see the full details and how to open it.

  • 12 Month Term Deposit

    3.75%AER (fixed)

    A lump sum of £5,000 to £500,000, fixed for 12 months.

  • Cash ISA

    3.00%AER (variable)

    Tax-free. Pay in up to £20,000 a tax year and take it out any time. Minimum £100 to open.

  • Junior ISA

    3.75%AER (variable)

    Tax-free savings for a child. Up to £9,000 a year, and theirs at 18.

  • Platinum Savings

    2.25%AER (variable)

    A lump sum of £2,000 to £25,000, with 90 days’ notice to withdraw.

  • Premier Savings

    2.25%AER (variable)

    Save £50 to £500 a month, with 90 days’ notice to withdraw.

Share accounts

These may pay a dividend each year instead of interest. A dividend isn’t guaranteed and can change from year to year.

AER is the Annual Equivalent Rate. Tax treatment depends on individual circumstances and may change. Subject to status and affordability. Membership eligibility criteria apply. Eligible deposits are protected by the Financial Services Compensation Scheme up to £120,000 per member.

Three ways to pay in.

  • From your pay

    If you work for one of our partner employers, your savings come straight from your wages, before your pay reaches your bank.

    Payroll savings

  • By direct debit

    Save a set amount weekly, fortnightly, four-weekly or monthly, without having to think about it.

  • In the app

    Pay into your savings whenever you like from the Capital Credit Union app, or over the phone with our team.

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“Saving made easy, I just set up a direct debit from my bank account to CCU.”
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Your savings are protected.

Eligible deposits with Capital Credit Union are protected by the Financial Services Compensation Scheme up to £120,000 per member. That covers your eligible savings if anything were to happen to us.

How FSCS protection works

Opening an account.

  1. 1Join online

    Apply to become a member online, all in one application.

  2. 2Pick your account

    Choose your savings account as you join. Members can open more from online banking or the app.

  3. 3Pay in

    Transfer from your bank, set up a direct debit, or save from your pay. Each account has its own minimum.

Questions about saving.

What we get asked most. For anything about your own situation, our team are happy to talk it through.

Talk to us
Do I need to be a member to open a savings account?
Yes. All our savings accounts are for members. You can apply for membership and open your first account at the same time, in one online application. Membership eligibility criteria apply.
Are my savings protected?
Yes. Eligible deposits with Capital Credit Union are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per member. The protection covers your eligible savings if anything were to happen to us. How FSCS protection works
How is my interest paid?
It depends on the account. The Cash ISA and Junior ISA pay interest once a year, Platinum and Premier Savings every six months, and the 12 Month Term Deposit at the end of the term. Share accounts (Instant Access, Joint Savings, Christmas Saver and Junior Savers) may pay a dividend each year instead of interest. The exact terms are confirmed before you open the account.
Can I transfer an ISA from another provider?
Yes, we accept ISA transfers from other providers. To keep your tax-free status, ask for a transfer rather than withdrawing the money yourself. Get in touch and we’ll guide you through the form. ISA eligibility criteria apply.
What is AER?
AER stands for Annual Equivalent Rate. It shows what the interest rate would be if interest were paid and compounded once a year, so you can compare savings accounts like for like.
Are there any monthly fees?
No. We don’t charge monthly account fees on our standard savings accounts. The rate or dividend you see is what you earn, with no hidden charges.

Start saving with us.

Join online and choose your savings account as you go. Already a member? Log in to open another.

Become a Member Log in

Subject to status and affordability. Membership eligibility criteria apply.

From our blog

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