CHOOSE
the account for you
Our Investment policy
Your savings are guaranteed against loss
We only invest in ethical & transparant funds
Profits are distributed back in to the local community
With several million in Member deposits safely invested with our bank, you can save without risk on a regular basis and get in to the saving habit.
All our deposits are protected by the Financial Services Compensation Scheme up to £85,000 of individual savings.
Every basic-rate taxpayer is now able to earn £1,000 each year in savings interest before paying any tax on it (and higher-rate taxpayers can earn £500). Subject to any changes in Inland Revenue rules.
INSTANT ACCESS ACCOUNT
If you just want to be part of your local bank and need a basic savings account, then this is it.
Start saving with a basic savers account. Make regular payments in by direct debit or standing order and get in to the habit of saving. It must maintain a minimum balance of £1 at all times.
MIN DEPOSIT: £1
MAX DEPOSIT: £25,000
ACCOUNT FEES: Free
ACCESS: Branch | Online | Telephone.
ENGAGE CURRENT ACCOUNT
(with VISA debit card & online banking)
Available for everyone:
- Employed
- Unemployed
- Bankrupt/IVA/DRO
- Bad credit history
If you are fed up being charged high interest and costly fees for going overdrawn or you failed a credit check, then our current account is for you.
MIN DEPOSIT: £1
MAX DEPOSIT: £10,000
DAILY ATM WITHDRAWAL: £25o
REWARDS SCHEME: YES
ONLINE BANKING: YES
ACCOUNT FEES:
ATM withdrawal - FREE
Telephone balance enquiry - FREE
ATM balance enquiry - £0.10
Going over your account limit - NONE
Returned Direct Debits - FREE or £10 after 3pm if you do not deposit funds
Bank statements - FREE
Copy of bank statements - FREE
Interest on overdrawn accounts - NONE
Weekly charge £2.25
ACCESS: Branch | Mobile app | Telephone
JUNIOR SAVERS ACCOUNT
Once your child joins and becomes a Member they have their very own savings account.
A child will be supported by a Trustee (you, the parent or guardian) who will authorise withdrawals. Cash or cheque deposits can be made over the counter at our branch or by bank transfer.
MIN DEPOSIT: £1
MAX DEPOSIT: £25,000
ACCOUNT FEES: Free
DIVIDEND : 0.5% gross
ACCESS: Branch | Online | Telephone.
FLEXIBLE CASH ISA
GUARANTEED CAPITAL RETURN
Cash ISAs allow you to save tax-free. Your ISA allowance for the tax year ending 5 April 2019/20 is £20,000.
Our ISA is also flexible, allowing you to withdraw and replace money without negatively counting towards your annual ISA allowance.
MIN DEPOSIT: £1
MAX DEPOSIT: £20,000
ACCOUNT FEES: Free
ACCESS: Branch | Online | Telephone.
DIVIDEND: 0.5% gross
INVESTMENT: Ethical
RISK: Guaranteed capital return
* subject to inland revenue rules
CHRISTMAS CLUB
Christmas can be an expensive time of year. If you pay for Christmas on a credit card, store card or loan, you could end up paying loads extra in interest charges.
- Put a little aside each week for next Christmas
- Take the worry out of Christmas shopping
- Easy to set up and make deposits
- Pays out on 1st November
MIN DEPOSIT: £1
MAX DEPOSIT: £25,000
ACCOUNT FEES: Free
ACCESS: Branch | Online | Telephone.
All our customer deposits are protected by the Financial Services Compensation Scheme up to £85,000 of individual savings.
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