Junior ISA · 26/27 Tax Year
Tax-Free Savings
for their future
Give your child a head start. Save up to £9,000 this tax year, completely Tax-Free. Every pound grows at 3.75% AER (variable) until they turn 18.
Tax treatment depends on your individual circumstances and may change in the future. Junior ISA eligibility criteria apply. Membership eligibility criteria apply. FSCS protected up to £120,000.
A savings account built entirely for your child
A Junior ISA works just like a regular savings account with one important difference. Every penny of interest your child earns is completely free of UK income tax. No forms, no declarations. Just their money, growing faster.
- ✓Interest paid directly into the account at 3.75% AER (variable)
- ✓Top up anytime up to the £9,000 annual limit
- ✓Open to any UK resident child under 18
- ✓Locked until 18, then automatically becomes their adult ISA
Membership eligibility criteria apply. Junior ISA eligibility criteria apply.
See what 3.75% AER (variable) earns
Or save regularly
For illustration only. Rate is variable and subject to change. Regular saving projections assume 3.75% AER (variable) compounded annually from birth to age 18. Tax treatment depends on individual circumstances. FSCS protected up to £120,000.
Open your Junior ISA in four simple steps
Become a Member
You need to be a Capital Credit Union member to open a Junior ISA. Joining is free and takes just a few minutes online.
Free to joinOpen the Junior ISA
Tell us your child's name, date of birth, and your relationship to them. As parent or guardian you manage the account until they turn 18.
Secure and onlineWe Process Your Application
Our team will open your child's account and be in touch by SMS once the Junior ISA is ready.
Our team will be in touchStart Saving
Make your first deposit and your child's money starts earning 3.75% AER (variable), Tax-Free straight away. Top up at any time up to the £9,000 annual allowance.
Earning immediatelyAlready a member? Log in to apply directly | Membership eligibility criteria apply.
Check you are eligible before you apply
Our Junior ISA is open to most UK resident children under 18.
Built on trust. Backed by regulation.
FSCS protection per member
Your child's eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) 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 by the FCA and PRA. Your child's money is in safe, accountable hands.
Years Established
Capital Credit Union has been serving members and their families for over 30 years.
Trusted by Thousands
Join a growing community of members who have chosen Capital Credit Union for their family's financial wellbeing.
Frequently asked questions
Every penny of interest your child earns stays theirs. HMRC doesn't touch it.
A competitive rate that puts your child's savings to work, year after year.
Funds are ringfenced until your child turns 18, then the account becomes theirs automatically.
Your child's deposits are protected by the FSCS up to £120,000 per member.