Members

Savings rate changes effective 31 January 2026

• Easy access cash ISA for teachers, decreasing to 2.05% tax-free p.a./AER variable
• Easy access cash ISA for everyone, decreasing to 2.00% tax-free p.a./AER variable
• Easy access savings for teachers, decreasing to 2.50% gross p.a/AER variable
• Easy access savings for everyone, decreasing to 2.25% gross p.a./AER variable
• Notice 95 decreasing to 2.50% gross p.a./AER variable

Products being withdrawn:

• 90 day notice cash isa for Teachers
• 90 day notice cash isa for everyone 

Savings product withdrawal effective 3 January 2026

• 4 access cash ISA for Teachers
• 4 access cash ISA for everyone
• Pension 120

Savings rate change effective 9 September 2025

Accounts available to open

• Double access cash ISA for teachers, new rate 3.90% tax-free p.a./AER variable
• Double access cash ISA for everyone, new rate 3.85% tax-free p.a./AER variable
• 180 day notice cash ISA for teachers, new rate 3.35% tax-free p.a./AER variable
• 180 day notice cash ISA for everyone, new rate 3.30% tax-free p.a./AER variable
• 120 day notice cash ISA for teachers, new rate 3.25% tax-free p.a./AER variable
• 120 day notice cash ISA for everyone, new rate 3.20% tax-free p.a./AER variable
• Double access savings for teachers, new rate 3.90% gross p.a./AER variable
• Double access savings for everyone, new rate 3.85% gross p.a./AER variable
• Pension 180 (issue 1), new rate 2.60% gross p.a./AER variable

 Accounts closed to new business

• Single access cash ISA for teachers, new rate 4.00% tax-free p.a./AER variable
• Single access cash ISA for everyone, new rate 3.95% tax-free p.a./AER variable
• Cash ISA notice 180, new rate 3.30% tax-free p.a./AER variable
• Cash ISA notice 120 new rate 3.20% tax-free p.a./AER variable
• Triple access cash ISA for Teachers, new rate 3.00% tax-free p.a./AER variable
• Triple access cash ISA for everyone, new rate 2.95% tax-free p.a./AER variable

Savings product withdrawal effective 15 December 2025

• Single Access Cash ISA for teachers
• Single Access Cash ISA for everyone

Savings product launch effective 5 December 2025

• Single Access Cash ISA for teachers at 4.35%
• Single Access Cash ISA for everyone at 4.30%

Savings product withdrawal effective 9 October 2025

• Single Access Cash ISA for teachers
• Single Access Cash ISA for everyone

Savings product launch effective 19 September 2025

• Single Access Cash ISA for teachers at 4.35%
• Single Access Cash ISA for everyone at 4.30%

Savings product launch effective 9 September 2025

• 4 Access Cash Pension launched at 3.60%

Savings product withdrawal effective 9 September 2025

• Single Access Cash Pension withdrawn
• Triple Access Cash Pension withdrawn

Savings product launch effective 4 September 2025

• Double Access Cash ISA for Teachers launched at 4.20%
• Double Access Cash ISA for Everyone launched at 4.15%

Savings rate changes effective 27 August 2025

Rate changes on accounts open to new business:

• Notice 95 reduced to 2.90%
• Easy Access Cash ISA for Teachers reduced to 2.30%
• Easy Access Cash ISA for Everyone reduced to 2.25%
• 90 Day Notice Cash ISA for Teachers reduced to 2.55%
• 90 Day Notice Cash ISA for Everyone reduced to 2.50%
• Pension 30 reduced to 1.70% 
• Pension 90 reduced to 1.90%
• Easy Access Savings for Teachers reduced to 2.80%
• Easy Access Savings for Everyone reduced to 2.65%
• Double Access Savings for Teachers reduced to 4.20%
• Double Access Savings for Everyone reduced to 4.15%

 Rate changes on accounts closed to new business:

• Teachers for Teachers Easy Access ISA Issue 1 reduced to 2.30%
• Cash ISA Issue 6 reduced to 2.25%
• Cash ISA Notice 30 (Teacher & Non-Teacher) reduced to 2.30%
• Cash ISA Notice 90 Issue 1 reduced to 2.50%
• Cash ISA Notice 90 Issue 4 reduced to 2.50%
• Cash ISA Notice 90 Issue 5 reduced to 2.50%
• Cash ISA Notice 90 Issue 10 reduced to 2.50%
• Education ISA Issue 1 reduced to 2.55%
• Education ISA Issue 2 reduced to 2.55%
• Teachers for Teachers reduced to 2.80%
• Easy Saver Issue 2 reduced to 2.65%
• Easy Saver Issue 3 reduced to 2.65%

Savings product launch effective 23 August 2025

• Double Access Savings for Teachers launched at 4.20%
• Double Access Savings for Everyone launched at 4.15% 

Savings rate changes effective 23 August 2025

Rate changes on accounts open to new business:

• 120 Day Notice Cash ISA for Teachers reduced to 3.55%
• 120 Day Notice Cash ISA for Everyone reduced to 3.50%
• 180 Day Notice Cash ISA for Teachers reduced to 3.65%
• 180 Day Notice Cash ISA for Everyone reduced to 3.60%
• Pension 120 reduced to 2.70%
• Pension 180 reduced to 2.90%
• Notice 95 reduced to 2.90%

 Rate changes on accounts closed to new business:

• Double Access Cash ISA for Teachers reduced to 4.20%
• Double Access Cash ISA for Everyone reduced to 4.15%
• Triple Access Cash ISA for Teachers reduced to 3.30%
• Triple Access Cash ISA for Everyone reduced to 3.25%
• Cash ISA Notice 120 Day reduced to 3.50%
• Cash ISA Notice 180 Issue 1 reduced to 3.60%

Savings product launch effective 12 August 2025

• 4 Access Cash ISA for Teachers (Issue 1) launched at 3.90%
• 4 Access Cash ISA for Everyone (Issue 1) launched at 3.85%

Savings product withdrawn effective 12 August 2025

• Triple Access ISA for Teachers withdrawn
• Triple Access ISA for Everyone withdrawn

Savings product withdrawal effective 23 June 2025

• Double Access Savings for Teachers withdrawn
• Double Access Savings for Everyone withdrawn
• Double Access ISA for Teachers withdrawn
• Double Access ISA for Everyone withdrawn
  

Savings product launch effective 9 June 2025

• Single Access Pension Account launched at 3.50%

Savings rate changes effective 9 June 2025

Rate changes on accounts closed to new business:

• Double Access Savings for Teachers increased to 4.55%
• Double Access Savings for Everyone increased to 4.50%
• Double Access Cash ISA for Teachers increased to 4.55%
• Double Access Cash ISA for Everyone increased to 4.50%

Savings rate changes effective 27 May 2025

Rate changes on accounts open to new business:

• Triple Access Cash ISA for Teachers reduced to 3.60%
• Triple Access Cash ISA for Everyone reduced to 3.55%
• Easy Access Cash ISA for Teachers reduced to 2.55%
• Easy Access Cash ISA for Everyone reduced to 2.50%
• 90 Day Notice Cash ISA for Teachers reduced to 2.80%
• 90 Day Notice Cash ISA for Everyone reduced to 2.75%
• 120 Day Notice Cash ISA for Teachers reduced to 3.80%
• 120 Day Notice Cash ISA for Everyone reduced to 3.75%
• 180 Day Notice Cash ISA for Teachers reduced to 3.95%
• 180 Day Notice Cash ISA for Everyone reduced to 3.90%
• Easy Access Savings for Teachers reduced to 3.15%
• Easy Access Savings for Everyone reduced to 3.00%
• Notice 95 reduced to 3.20%

 Rate changes on accounts closed to new business:

• Teachers for Teachers Easy Access ISA Issue 1 reduced to 2.55%
• Cash ISA Issue 6 reduced to 2.50%
• Cash ISA Notice 30 reduced to 2.60%
• Cash ISA Teacher 30 reduced to 2.60%
• Cash ISA Notice 90 Issue 1 reduced to 2.75%
• Cash ISA Notice 90 Issue 4 reduced to 2.75%
• Cash ISA Notice 90 Issue 5 reduced to 2.75%
• Cash ISA Notice 90 Issue 10 reduced to 2.75%
• Education ISA Issue 1 reduced to 2.80%
• Education ISA Issue 2 reduced to 2.80%
• Cash ISA Notice 120 Day reduced to 3.75%
• Cash ISA Notice 180 Day reduced to 3.90%
• Pension 120 reduced to 3.00%
• Pension 180 reduced to 3.20%
• Teachers for Teachers reduced to 3.15%
• Easy Saver Issue 2 reduced to 3.00%
• Easy Saver Issue 3 reduced to 3.00%
• Call Save reduced to 1.30%
• Charity Saver Issue 1 reduced to 1.30%
• Minster Spire reduced to 1.30%
• Online Saver Issue 1 reduced to 1.30%
• Premier Saver reduced to 1.30%
• Smart Saver reduced to 1.30%

Savings rate changes effective 21 February 2025

Rate changes on accounts open to new business:

• Triple Access cash ISA for Teachers reduced to 3.95%
• Triple access cash ISA for Everyone reduced to 3.90%
• Easy Access cash ISA for Teachers reduced to 2.85%
• Easy access cash ISA for Everyone reduced to 2.80%
• 90 day notice cash ISA for Teachers reduced to 3.15%
• 90 day notice cash ISA for Everyone reduced to 3.10%
• 120 day notice cash ISA for Teachers reduced to 4.05%
• 120 day notice cash ISA for Everyone reduced to 4.00%
• 180 day notice cash ISA for Teachers reduced to 4.20%
• 180 day notice cash ISA for Everyone reduced to 4.15%
• Easy Access savings for Teachers reduced to 3.50%
• Easy access savings for Everyone reduced to 3.25%
• Notice 95 reduced to 3.50%
• Pension 120 reduced to 3.25%
• Pension 180 reduced to 3.50%

 Rate changes on accounts closed to new business:

•  Teachers for Teachers Easy Access ISA reduced to 2.85%
• Cash ISA issue 6 reduced to 2.80% reduced to
• Cash ISA notice 30 reduced to 2.90%
• Cash ISA Teacher 30 reduced to 2.90%
• Cash ISA notice 90 issues 1,4,5,10 reduced to 3.10%
• Education ISA issues 1,2 reduced to 3.15%
• Cash ISA notice 120 day reduced to 4.00%
• Cash ISA notice 180 issue 1 reduced to 4.15%
• Teachers for teachers reduced to 3.50%
• Easy saver issues 2,3 reduced to 3.25%
• Call save reduced to 1.50%
• Charity saver issue 1 reduced to 1.50%
• Minster spite reduced to 1.50%
• Online saver issue 1 reduced to 1.50%
• Premier saver reduced to 1.50%
• Smart saver reduced to 1.50%
• Extra ordinary share account reduced to 1.25%

 29 January 25 - Savings rate changes

The changes below take effect on 29 January 2025:

New accounts launched:

• Easy Access Savings for Teachers - 3.75%
• Easy Access Savings for Everyone - 3.50%
• Easy Access Cash ISA for Teachers - 3.05%
• Easy Access Cash ISA for Everyone - 3.00%
• 90 day notice cash ISA for Teachers - 3.45%
• 90 day notice cash ISA for Everyone - 3.40%
• 120 day notice cash ISA for Teachers - 4.25%
• 120 day notice cash ISA for Everyone - 4.20%
• 180 day notice cash ISA for Teachers - 4.40%
• 180 day notice cash ISA for Everyone - 4.35%

Accounts withdrawn from sale

• Teachers for Teachers (issue 1)
• Easy Saver (issue 2)
• Teachers for Teachers Easy Access ISA (issue 1)
• Cash ISA (issue 6)
• Education ISA (issue 2)
• Cash ISA notice 90 (issue 10)
• Cash ISA notice 120 (issue 1)
• Cash ISA notice 180 (issue 1)

14 November 24 - Savings rate changes

The changes below take effect on 22 November 2024:

• Teachers for Teachers Easy Access ISA changes to 3.25%
• Cash ISA Issue 6 changes to 3.20%
• Triple Access Cash ISA for Teachers changes to 4.25%
• Triple Access Cash ISA for All changes to 4.20%
• Education ISA changes to 3.45%
• Cash ISA Notice 90 changes to 3.40%
• Cash ISA Notice 120 changes to 4.20%
• Cash ISA Notice 180 changes to 4.35%
• Cash ISA Notice 30 changes to 3.25%
• Cash ISA Teacher 30 changes to 3.25%

• Teachers for Teachers changes to 3.95%
• Easy Saver changes to 3.70%
• Notice 95 changes to 4.00%
• Call Save changes to 1.90%
• Charity Saver Issue 1 changes to 1.90%
• Minster Spire changes to 1.90%
• Online Saver Issue 1 changes to 1.90%
• Premier Saver changes to 1.90%
• Smart Saver changes to 1.90%
• Teachers Direct changes to 1.90%

• Easy Access Pension Deposit Account changes to 1.25%
• Pension 30 changes to 2.00%
• Pension 90 changes to 2.25%
• Pension 120 changes to 3.65%
• Pension 180 changes to 3.90%

23 August 24 - Savings rate changes

The changes below take effect on 23 August 2024:

• Notice 95 changes to 4.45%
• Teachers for teachers Easy Access ISA changes to 3.55%
• Cash ISA Issue 6 changes to 3.50%
• Education ISA changes to 3.75%
• Cash ISA Notice 90 changes to 3.70%
• Cash ISA Notice 120 changes to 4.50%
• Cash ISA Notice 180 changes to 4.65%
• Triple Access Cash ISA for Teachers changes to 4.60%
• Triple Access Cash ISA for All changes to 4.55%
• Teachers for teachers changes to 4.25%
• Easy Saver changes to 4.00%
• Easy Access Pension changes to 1.50%
• Pension 180 changes to 4.25%
• Call Save changes to 2.20%
• Charity Saver changes to 2.20%
• Minster Spire changes to 2.20%
• Online Saver changes to 2.20%
• Premier Saver changes to 2.20%
• Smart Saver changes to 2.20%
• Teachers Direct changes to 2.20%
• ISA APS changes to 1.45%

31 July 24 - Savings rate change

• The rate on our Extra Ordinary Account increased to 1.45%. This is the rate savers get if they fall below the minimum required balance for their specific savings account type.

13 June 24 - Savings rate change

• The rate on our Easy Saver (issues 2&3) changed to 4.25%.
• The rate on our Teachers for teachers (issue 1) account changed to 4.50%

13 May 24 - Savings rate change

• The rate on our Cash ISA notice 120 (issue 1) account changed to 4.85%.
• The rate on our Cash ISA notice 180 (issue 1) account changed to 5.00%.
• The rate on our Triple access Cash ISA for teachers account changed to 4.95%.
• The rate on our Triple Access Cash ISA for all account changed to 4.90%.

07 March 24 - Savings rate change

The rate on our Notice 95 (issue 1) account changed to 4.75%.

29 January 24 - Savings product update

With effect from today, the following pension products have been removed from sale:

• Fixed rate pension Issue 24
• Fixed rate pension Issue 25
• Fixed rate pension Issue 26
• Pension 180 (issue 1)

08 January 24 - Savings product update

With effect from today, our Cash ISA Notice 180 has been withdrawn from sale.