Instant access accounts
The accounts listed here are the one where you can get access to your money whenever you want to without having to give us notice or pay a penalty.
Easy Saver is designed around you. It offers penalty-free access to your savings at any time whilst rewarding you with higher rates if you limit your withdrawals. You can choose to have your interest paid monthly or annually. |
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| Easy Saver - 0-4 withdrawals | ||||||
|---|---|---|---|---|---|---|
Annual Interest |
Monthly Interest |
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Investment |
Gross Rate % |
Net Rate % |
AER% |
Gross Rate % |
Net Rate % |
AER% |
£250,000+ |
4.90 |
3.92 |
4.90 |
4.79 |
3.83 |
4.90 |
£100,000+ |
4.60 |
3.68 |
4.60 |
4.51 |
3.61 |
4.60 |
£50,000 + |
4.35 |
3.48 |
4.35 |
4.27 |
3.42 |
4.35 |
£25,000+ |
4.10 |
3.28 |
4.10 |
4.02 |
3.22 |
4.10 |
£10,000+ |
3.85 |
3.08 |
3.85 |
3.78 |
3.02 |
3.85 |
£2,500+ |
3.60 |
2.88 |
3.60 |
3.54 |
2.83 |
3.60 |
£1+ |
2.80 |
2.24 |
2.80 |
2.76 |
2.21 |
2.80 |
| Apply NowFind out more» Previous rates» |
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| Easy Saver - 5-6 withdrawals | ||||||
Annual Interest |
Monthly Interest |
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Investment |
Gross Rate % |
Net Rate % |
AER% |
Gross Rate % |
Net Rate % |
AER% |
£250,000+ |
4.60 |
3.68 |
4.60 |
4.51 |
3.61 |
4.60 |
£100,000+ |
4.30 |
3.44 |
4.30 |
4.22 |
3.38 |
4.30 |
£50,000+ |
4.05 |
3.24 |
4.05 |
3.98 |
3.18 |
4.05 |
£25,000+ |
3.80 |
3.04 |
3.80 |
3.74 |
2.99 |
3.80 |
£10,000+ |
3.55 |
2.84 |
3.55 |
3.49 |
2.79 |
3.55 |
£2,500+ |
3.30 |
2.64 |
3.30 |
3.25 |
2.60 |
3.30 |
£1+ |
2.50 |
2.00 |
2.50 |
2.47 |
1.98 |
2.50 |
| Apply NowFind out more» Previous rates» |
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| Easy Saver - 7-12 withdrawals | ||||||
Annual Interest |
Monthly Interest |
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Investment |
Gross Rate % |
Net Rate % |
AER% |
Gross Rate % |
Net Rate % |
AER% |
£250,000+ |
3.90 |
3.12 |
3.90 |
3.83 |
3.06 |
3.90 |
£100,000+ |
3.60 |
2.88 |
3.60 |
3.54 |
2.83 |
3.60 |
£50,000+ |
3.35 |
2.68 |
3.35 |
3.30 |
2.64 |
3.35 |
£25,000+ |
3.10 |
2.48 |
3.10 |
3.06 |
2.45 |
3.10 |
£10,000+ |
2.85 |
2.28 |
2.85 |
2.81 |
2.25 |
2.85 |
£2,500+ |
2.60 |
2.08 |
2.60 |
2.57 |
2.06 |
2.60 |
£1+ |
2.10 |
1.68 |
2.10 |
2.08 |
1.66 |
2.10 |
| Apply NowFind out more» Previous rates» |
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| Easy Saver - 13+ withdrawals | ||||||
Annual Interest |
Monthly Interest |
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Investment |
Gross Rate % |
Net Rate % |
AER% |
Gross Rate % |
Net Rate % |
AER% |
£250,000+ |
2.60 | 2.08 |
2.60 |
2.57 |
2.06 |
2.60 |
£100,000+ |
2.30 |
1.84 |
2.30 |
2.28 |
1.82 |
2.30 |
£50,000+ |
2.15 |
1.72 |
2.15 |
2.13 |
1.70 |
2.15 |
£25,000+ |
2.05 |
1.64 |
2.05 |
2.03 |
1.62 |
2.05 |
£10,000+ |
1.95 |
1.56 |
1.95 |
1.93 |
1.54 |
1.95 |
£2,500+ |
1.85 |
1.48 |
1.85 |
1.83 |
1.46 |
1.85 |
£1+ |
1.75 |
1.40 |
1.75 |
1.74 |
1.39 |
1.75 |
| Apply NowFind out more» Previous rates» |
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Premium Access - This is a simple account offering penalty-free access to your savings. |
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| Premium Access - Annual Interest | ||||||
Current Rates |
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Investment |
Gross Rate % |
Net Rate % |
AER% |
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£10,000+ |
1.35 |
1.08 |
1.35 |
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£5,000+ |
1.30 |
1.04 |
1.30 |
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£2,500+ |
1.25 |
1.00 |
1.25 |
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£1+ |
1.15 |
0.92 |
1.15 |
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| Apply NowFind out more» Previous rates» |
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Black Cat Saver - This is the account for the next generation of savers. Save up to £15,000 and, because you've got instant access, you can withdraw your money when you need it. Available to those under 18 or, the account can be opened on behalf of an under 18 year old. |
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| Black Cat Saver - Annual Interest | ||||||
Current Rates |
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Investment |
Gross Rate % |
Net Rate % |
AER% |
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Minimum £1 Maximum £15,000 |
4.80 |
3.84 |
4.80 |
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| Apply NowFind out more» Previous rates» |
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| Caring for Hospices - With our Caring for Hospices Savings Account, you can earn interest for yourself, and the Cheshire will make a valuable cash donation to your chosen local hospice. | ||||||
| Caring for Hospices - Annual Interest | ||||||
Current Rates |
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Investment |
Gross Rate % |
Net Rate % |
AER% |
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£10,000+ |
3.70 |
2.96 |
3.70 |
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£5,000+ |
3.20 |
2.56 |
3.20 |
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£2,500+ |
2.85 |
2.28 |
2.85 |
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£1+ |
2.75 |
2.20 |
2.75 |
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| Find out more» Previous rates» Apply Now |
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| Caring for Children - This savings account provides good rates of interest plus you can make up to six penalty free withdrawals per year, pro rata for the first year. What's more, the Society will provide a cash sum to NCH based on your savings. | ||||||
| Caring for Children - Annual Interest | ||||||
Current Rates
|
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Investment |
Gross Rate % |
Net Rate % |
AER% |
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£10,000+ |
3.70 |
2.96 |
3.70 |
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£5,000+ |
3.20 |
2.56 |
3.20 |
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£2,500+ |
2.85 |
2.28 |
2.85 |
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£1+ |
2.75 |
2.20 |
2.75 |
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| Apply NowFind out more» Previous rates» |
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| Roary's Junior Silkmen Saver - An account that you can show support for Macclesfield Town football team. As well as encouraging youngsters to start saving, we also promise to make a donation of 1% of the average annual balance to club. | ||||||
| Roary's Junior Silkmen Saver - Annual Interest | ||||||
Current Rates |
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Investment |
Gross Rate % |
Net Rate % |
AER% |
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£1,000+ |
4.80
|
3.84 |
4.80 |
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| Apply NowFind out more» |
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| Silkmen Saver - Whether you are a fan of Macclesfield Town or simply a fan of great interest rates you can now enjoy the benefit of a savings account that lets you make up to six penalty free withdrawals per year, pro rata for the first year. In addition, your savings will earn the club a cash sum each year. | ||||||
| Silkmen Saver - Annual Interest | ||||||
Current Rates |
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Investment |
Gross Rate % |
Net Rate % |
AER% |
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£10,000+ |
3.70 |
2.96 |
3.70 |
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£5,000+ |
3.20 |
2.56 |
3.20 |
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£2,500+ |
2.85 |
2.28 |
2.85 |
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£1+ |
2.75 |
2.20 |
2.75 |
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| Apply NowFind out more» Previous rates» |
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| Gresty's Junior Saver - An account that you can show support for Crewe Alexandra Football team. As well as encouraging youngsters to start saving, we also promise to make a donation of 1% of the average annual balance to club. | ||||||
| Gresty's Junior Saver - Annual Interest | ||||||
Current Rates
|
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Investment |
Gross Rate % |
Net Rate % |
AER% |
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£1,000+ |
4.80 |
3.84 |
4.80 |
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| Apply NowFind out more» |
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| Crewe Alexandra Academy Account - Whether you are a fan of Crewe Alexandra or simply a fan of great interest rates you can now enjoy the benefit of a savings account that lets you make up to six penalty free withdrawals per year, pro rata for the first year. In addition, your savings will earn the club a cash sum each year. | ||||||
| Crewe Alexandra Academy Account - Annual Interest | ||||||
Current Rates |
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Investment |
Gross Rate % |
Net Rate % |
AER% |
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£10,000+ |
3.70 |
2.96 |
3.70 |
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£5,000+ |
3.20 |
2.56 |
3.20 |
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£2,500+ |
2.85 |
2.28 |
2.85 |
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£1+ |
2.75 |
2.20 |
2.75 |
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| Apply NowFind out more» Previous rates» |
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| Wolf Pack Account - Young Warrington Wolves RLFC fans can take advantage of our Wolf Pack Account. With instant access and an attractive rate of interest, what better way to support the club!
Available to those under 18 or, the account can be opened on behalf of an under 18 year old. |
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| Wolf Pack Account - Annual Interest | ||||||
Current Rates |
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Investment |
Gross Rate % |
Net Rate % |
AER% |
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Minimum £1 - Maximum £15,000 |
4.80 |
3.84 |
4.80 |
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| Apply NowFind out more» Previous rates» |
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| Super Wolves Saver - Whether you are a fan of Warrington Wolves RLFC or simply a fan of great interest rates you can now enjoy the benefit of a savings account that lets you make up to six penalty free withdrawals per year, pro rata for the first year. In addition, your savings will earn the club a cash sum each year. | ||||||
| Super Wolves Saver - Annual Interest | ||||||
Current Rates
|
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Investment |
Gross Rate % |
Net Rate % |
AER% |
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£10,000+ |
3.70 |
2.96 |
3.70 |
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£5,000+ |
3.20 |
2.56 |
3.20 |
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£2,500+ |
2.85 |
2.28 |
2.85 |
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£1+ |
2.75 |
2.20 |
2.75 |
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| Apply NowFind out more» Previous rates» |
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| Club Class - Club Class is the Cheshire's investment service designed specifically for people investing on behalf of a club, charity, company, or similar organisation. The account offers easy access to funds at competitive rates of interest. | ||||||
| Club Class - Annual Interest | ||||||
Current Rates |
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Investment |
Gross Rate % |
Net Rate % |
AER% |
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£100,000+ |
4.05 |
3.24 |
4.05 |
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£50,000+ |
3.75 |
3.00 |
3.75 |
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£25,000+ |
3.40 |
2.72 |
3.40 |
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£10,000+ |
2.95 |
2.36 |
2.95 |
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£5,000+ |
2.50 |
2.00 |
2.50 |
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£2,500+ |
2.00 |
1.60 |
2.00 |
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£1+ |
1.60 |
1.28 |
1.60 |
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| Find out more» Previous rates» |
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| Client Deposit Account - With the benefit of instant access, our Client Deposit Account is specially designed for Solicitors, Accountants and other professionals investing funds on behalf of their clients. | ||||||
Client Deposit Account |
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Current Rates |
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Investment |
Gross Rate % |
Net Rate % |
AER % |
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£10,000+ |
1.35 |
1.08 |
1.35 |
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£5,000+ |
1.30 |
1.04 |
1.30 |
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£2,500+ |
1.25 |
1.00 |
1.25 |
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£1+ |
1.15 |
0.92 |
1.15 |
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| Find out more» Previous rates» |
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ISAsCash ISA - 3rd Issue - With the Cheshire's CAT standard Cash ISA (3rd issue) you can enjoy instant access and an attractive rate of interest. |
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| Cash ISA - 3rd Issue - Annual Interest | ||||||
Current Rates |
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Investment |
Tax Free Rate % |
Net Rate % |
AER% |
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£1+ |
4.95 |
- |
4.95 |
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| Apply NowFind out more» Previous rates» |
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- The ‘gross rate’ is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.
- The ‘tax free rate’ is the contractual rate of interest payable where interest is exempt from income tax.
- The ‘net rate’ is the rate of interest which would be payable after allowing for the deduction of income tax at the specified rate.
- The ‘AER’ stands for Annual Equivalent Rate and illustrates what the interest rate would be if it was paid and compounded once each year.
- In the event of a Base Rate change we will apply the amended rate to your 50 Plus Freedom account within a month of the change. Should the Bank of England cease to publish a Base Rate the Society will link the gross interest to a comparable external rate.
Cheshire Building Society is authorised and regulated by the Financial Services Authority (registration number 206102).
