Instant Access Savings Account

Instant access to your savings... and to all our other services.

Everyone who joins Capital Credit Union saves at least £15 a month into an Instant Access Savings account.

  • You can save any amount from £15 - £1,500 per month up to the maximum covered by the FSCS which is £85,000.
  • You can pay into your Instant Access Savings account weekly, fortnightly, four-weekly or monthly by direct debit or through your salary if you work for one of our select partner employers.
  • You can make additional payments into the credit union over and above your regular savings (currently suspended - more details here). These are capped at a maximum of £500 per month, and not more than £3,000 in any 12 month period.
  • Instant Access Accounts attract a dividend, based on the profitability in the previous year.
  • Instant Access Savings accounts include free savings insurance (terms and conditions apply).
  • You can transfer your savings into your bank account by online banking, by phone, or by coming into the office.

The Instant Access Savings account is our main savings account, required by all members of the credit union. You must keep £1 in this account to retain your membership of Capital Credit Union. However, regular payment requirements can be waived for members who pay regularly into a Capital Cash ISA or a Premier Savings account.