Cash ISA · 26/27 Tax Year
Tax-Free Savings
Make your money work harder. Completely tax-free. Deposit up to £20,000 this tax year and withdraw anytime with no penalties.
Tax treatment depends on your individual circumstances and may change in the future. ISA eligibility criteria apply. Membership eligibility criteria apply. FSCS protected up to £120,000.
26/27 ISA Allowance
Annual Equivalent Rate. Tax-Free.
£7,500 allowance remaining this tax year
Every penny of interest you earn stays yours. HMRC doesn't touch it.
A competitive instant access rate with no notice period required.
No notice periods, no penalties and no hidden fees.
Your deposits are protected up to £120,000 per member.
A savings account where every penny of interest is yours to keep
A Cash ISA works just like a regular savings account with one important difference. The interest you earn is completely free of UK income tax. No forms, no declarations. Just your money, growing faster.
- ✓Interest paid at the end of the tax year directly into your account
- ✓Top up any time up to the £20,000 annual limit
- ✓Withdraw your money whenever you need it
- ✓Open to any UK resident aged 18 or over
- ✓No limit on your total pot size. Keep growing it every year
Membership eligibility criteria apply.
See what 3% earns you
For illustration only. Rate subject to change. Tax treatment depends on individual circumstances.
Open your Cash ISA in four simple steps
Become a Member
You need to be a Capital Credit Union member to open a Cash ISA. Joining is free and takes just a few minutes online.
Free to joinComplete the Form
Once you are a member, open your Cash ISA by completing our secure online form. We use DocuSign so your details are safe at every step.
Secure and onlineWe Process Your Application
Our team will open your account and be in touch by SMS once your ISA is open.
Our team will be in touchStart Saving
Make your first deposit and your money starts earning 3% AER tax-free straight away. You can top up at any time up to your annual allowance.
Earning immediatelyAlready a member? Skip straight to the form
Check you are eligible before you apply
Our Cash ISA is open to most UK residents.
Built on trust. Backed by regulation.
FSCS protection per member
Your eligible deposits including your Cash ISA are protected by the Financial Services Compensation Scheme up to £120,000 per member.
Member-Owned. Not Profit-Driven.
Unlike banks, Capital Credit Union is owned by its members. Our focus is always on giving you the best possible rates and service, not on generating returns for shareholders.
FCA Regulated
Fully authorised and regulated. Your money is in safe, accountable hands.
Manage in the App
Check your balance, make deposits and track your ISA allowance from our mobile app.
Trusted by Thousands
Join a growing community of members who have chosen Capital for their financial wellbeing.