Updated July 15, 2026
Current Rates
Transparent, competitive rates on all our savings and loan products — no hidden fees, no surprises.
Transparent, competitive rates on all our savings and loan products — no hidden fees, no surprises.
APY = Annual Percentage Yield. Dividends paid monthly.
| Account Type | Minimum Balance | APY | Notes |
|---|---|---|---|
| Regular Savings | £5 | 2.75% | No monthly fee |
| High-Yield Savings | £5,000 | 4.50% | For larger balances |
| Youth Savings (Under 18) | £5 | 3.00% | Adult co-signer required |
| Holiday Club | £0 | 2.75% | Withdraw Oct–Nov only |
| Money Market (£0–£9,999) | £2,500 | 3.25% | Up to 6 withdrawals/month |
| Money Market (£10K–£49,999) | £10,000 | 4.00% | Up to 6 withdrawals/month |
| Money Market (£50,000+) | £50,000 | 4.75% | Up to 6 withdrawals/month |
Fixed rate, guaranteed return. Early withdrawal penalty applies.
| Term | Minimum Deposit | APY | Early Withdrawal |
|---|---|---|---|
| 6 Months | £500 | 4.25% | 90 days of dividends |
| 12 Months | £500 | 5.10% | 90 days of dividends |
| 18 Months | £1,000 | 4.95% | 180 days of dividends |
| 24 Months | £1,000 | 4.85% | 180 days of dividends |
| 36 Months | £1,000 | 4.60% | 180 days of dividends |
| 48 Months | £2,500 | 4.40% | 180 days of dividends |
| 60 Months | £2,500 | 4.25% | 365 days of dividends |
Most personal loan decisions are made the same day. Check your eligibility in minutes with no impact to your credit score.
View Loan OptionsAPR = Annual Percentage Rate. Rates based on creditworthiness. Subject to change.
| Loan Type | From APR | Max Term | Min Amount |
|---|---|---|---|
| New Auto Loan | 5.99% | 84 months | £5,000 |
| Used Auto Loan | 6.49% | 72 months | £3,000 |
| Auto Refinance | 5.75% | 72 months | £3,000 |
| Personal Loan | 8.99% | 60 months | £500 |
| Home Equity Loan | 6.75% | 20 years | £10,000 |
| HELOC | 6.25% | 10-year draw | £10,000 |
| Mortgage (Fixed) | 6.25% | 30 years | £50,000 |
| Mortgage (Variable) | 5.95% | 25 years | £50,000 |
* All rates as of July 15, 2026. Rates and terms subject to change without notice. Actual rate may vary based on credit history, loan amount, and term. Please contact us for a personalised quote.
Take advantage of our competitive rates today. Membership is quick and free.