Join
Savings | Capital Credit Union
Savings

Save your way.
At a rate that works.

From instant access to tax-free ISAs and fixed-rate deposits, find a savings account that fits how you live and what you are working towards.

Join and start saving Compare accounts

Our savings rates at a glance

12 Month Term Deposit Fixed
Guaranteed return · £5,000 minimum deposit
3.75%
AER (fixed)
Cash ISA Tax-free
Instant access · up to £20,000/yr
3.00%
AER (variable)
Junior ISA Tax-free
Under 18s · up to £9,000/yr
3.75%
AER (variable)
See all accounts
Instant access, regular saving, junior and more

AER (Annual Equivalent Rate) shown to allow easy comparison. Tax treatment depends on individual circumstances and may change. Eligible deposits FSCS protected up to £120,000 per member. Membership eligibility criteria apply.

All accounts

Compare all our accounts

Whether you are just getting started or building long-term, there is an account for every stage of your financial journey.

Tax-free ISA

Cash ISA

Instant access tax-free savings. Save up to £20,000 this tax year and withdraw any time, with no penalties.

Find out more

Fixed term

12 Month Term Deposit

Lock away a lump sum for 12 months at a fixed rate with a guaranteed return. Deposit £5,000 to £500,000.

Find out more

Tax-free ISA

Junior ISA

Tax-free savings for under 18s, up to £9,000 per year. Interest rolls up untouched until the child turns 18.

Find out more

Lump sum

Platinum Savings

A lump sum savings account offering a competitive variable rate. Designed for members who want to deposit a sum and watch it grow.

Find out more

Regular saving

Premier Savings

A regular savings account that rewards consistent saving with a competitive variable rate. Ideal for members building their pot month by month.

Find out more

Default account

Instant Access Share Account

Your default membership account, opened automatically when you join Capital. Deposit and withdraw whenever you need to with no notice period. Earns a share dividend.

Find out more

Festive planning

Christmas Saver

A dedicated account to spread the cost of Christmas throughout the year. Save a little each month so you are financially prepared for the festive season.

Find out more

Joint members

Joint Savings

Save together with a shared account for two members. Structured similarly to the Share Account, earning a dividend. Ideal for couples or shared financial goals.

Find out more

Default for juniors

Junior Savers Account

The default account for junior members, opened automatically when a child joins Capital. A share account that helps young members build savings habits from an early age.

Find out more

Rates shown are AER (Annual Equivalent Rate). Tax treatment depends on individual circumstances and may change. All savings accounts are available to Capital Credit Union members. Eligible deposits are protected by the Financial Services Compensation Scheme up to £120,000 per member. Subject to status and affordability. Membership eligibility criteria apply.

Ways to save

Pay in whatever way suits you

However you like to put money aside, we make it easy. Pick the method that fits your routine, then let it do the work.

In the app

Pay money into your savings whenever you like, straight from the Capital app. You can also top up over the phone with our team.

Regular direct debit

Set up an automatic payment and save a set amount every week or month, without having to lift a finger.

Partner exclusive

Payroll savings

Save straight from your wages, before your pay reaches your bank. An exclusive benefit for employees of our payroll partner organisations.

Explore payroll savings
Why save with us

Built around you, not profit

As a credit union, any surplus is reinvested in our members. That means competitive rates, no shareholder demands and a genuine focus on your financial wellbeing.

FSCS protected

Eligible deposits with Capital Credit Union are protected up to £120,000 per member by the Financial Services Compensation Scheme.

No monthly fees

We do not charge monthly account fees on standard savings accounts. The rate you see is the rate you earn, with no hidden charges.

Manage in the app

Deposit, withdraw and check your balance from the Capital app, available on iOS and Android. Free to download.

Real people, real support

Our team is here to help by phone, online or in person. We take time to understand your situation and find the right account for you.

FCA regulated

Capital Credit Union is fully authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Flexible ways to save

Save by direct debit, weekly or monthly. If you work with one of our partner employers, you can save directly from your salary.

How it works

From application to first deposit

1

Apply online and join Capital

If you are not already a member, you can apply for membership and your first savings account at the same time. Everything is done in one place online, no separate steps.

2

Choose your account

Pick the account that fits your goal. Tax-free with an ISA, fixed return with a Term Deposit, or a regular savings account if you want flexibility. We are happy to help if you are not sure which one is right.

3

Verify your identity

We carry out standard identity and eligibility checks, as required by financial regulation. Most members complete this step in minutes.

4

Make your first deposit

Transfer money in from another bank, set up a direct debit, or save straight from your salary if your employer is a Capital partner. Each account has its own minimum deposit.

5

Track and grow your savings

Manage your accounts in the Capital app or online. Variable-rate accounts pay interest annually, share accounts pay an annual dividend, and Term Deposits pay interest at the end of the fixed term.

FSCS protected: eligible deposits with Capital Credit Union are protected up to £120,000 per member by the Financial Services Compensation Scheme. Tax treatment depends on individual circumstances and may change. Subject to status and affordability. Membership eligibility criteria apply.
Common questions

Answers to
common questions

Quick answers to what we get asked most about saving with Capital. For anything specific to your situation, just get in touch. We are happy to talk it through.

Speak to us →
Yes. All Capital Credit Union savings accounts are available to members. You can apply for membership at the same time as opening your first account, in a single online process. Subject to status and affordability. Membership eligibility criteria apply.
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.
It depends on the account. Variable-rate accounts such as the Cash ISA and Junior ISA pay interest annually. Term Deposits pay interest at the end of the fixed term. Share-based accounts (Instant Access Share, Joint Savings, Christmas Saver, Junior Savers) pay an annual dividend rather than interest. The exact terms are confirmed before you open the account.
Yes. We accept ISA transfers from other providers. To preserve your tax-free status, you should request a transfer rather than withdrawing the funds yourself. Get in touch and we will guide you through the form. ISA eligibility criteria apply.
AER stands for Annual Equivalent Rate. It shows what the interest rate would be if interest were paid and compounded once a year, which lets you compare savings products on a like-for-like basis. Tax treatment depends on individual circumstances and may change.
No. We do not charge monthly account fees on standard savings accounts. The rate or dividend you see is what you earn, with no hidden charges. Membership eligibility criteria apply.
Start saving today

Your savings deserve a better home.

Join Capital Credit Union and open a savings account that actually works for you. It takes just a few minutes to become a member.

Join and start saving Talk to our team

Eligible deposits FSCS protected up to £120,000 per member. Tax treatment depends on individual circumstances and may change. Subject to status and affordability. Membership eligibility criteria apply.