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Latest savings rates

Instant Access Savings Account and Christmas Savers Account

Returns for these accounts take the form of a dividend.  An annual dividend may be paid, gross of tax, on all sums deposited in the account, subject to surplus.  The dividend rate to be paid is recommended by the Board of Directors and authorised by the membership at the Annual General Meeting each year.  Any dividend due is paid into the account following the Annual General Meeting.

For the year 1 October 2017 to 30 September 2018, the approved dividend rate was:

Instant Access Savings Account  0.5%
Christmas Savers Account   0.5%

Premier Savings Account and Platinum Savings Account

Returns for these accounts take the form of interest payments.  Rate setting is delegated to the Board of Directors by the AGM each year. The rate is reviewed every 6 months.  Returns are calculated on a daily basis with payment credit on or just after the 31st March and 30th September.  

For the period 1 October 2018 to 30th September 2019, the interest rate has been set at:

Premier Savings Account  0.75% AER, 0.75% gross p.a

Platinum Savings Account  0.75% AER, 0.75% gross p.a.

Cash ISA

Our Cash ISA attracts interest payments.  Rate setting is delegated to the Board of Directors by the membership at the Annual General Meeting each year.  The rate is set for the beginning of April each year and is reviewed every six months.  Returns are calculated on a daily basis with payment credited annually to the account on or just after 6 April.

The Cash ISA allowance is £20,000 for the period 06 April 2019 - 05 April 2020

For the period 1st October to 30th September 2019 the interest rate will be:

Capital Credit Union Cash ISA  0.75% AER, 0.63% gross p.a.


Please note:
Capital Credit Union pays interest and dividend payments without the deduction of income tax.  Capital Credit Union is not responsible for tax declarations and does not give advice on tax due on dividends or interest.  Members are advised to contact HMRC should they require advice and assistance.