Compare all our easy access savings accounts

You can open an account as an individual, jointly or as an attorney. You must be ordinarily resident in the UK for tax purposes.

Our easy access accounts offer you the freedom and flexibility to access your money without needing to wait for a notice period. Perfect for a short-term savings goal. You can compare all our easy access products in the table below.

We don’t have a limit to the number of easy access savings accounts you can have. The overall maximum investment any one individual can have with us for all share accounts is £2,000,000.

Depending on the savings account you wish to open, you may be able to apply online, by post or in branch (as detailed below in the individual product additional information). If you are applying online and new to Family Building Society, it only takes a few minutes to apply. Please have your National Insurance number to hand.

Yes, your savings are in safe hands, protected up to a total of £120,000 by the Financial Services Compensation Scheme.

This limit is applied to the total of any deposits you have with the following: Family Building Society and National Counties Building Society. Any total deposits you hold above the limit between these brands are unlikely to be covered. 

Learn more about the FSCS. 

If getting access to your savings and having the ability to make withdraws easily is a priority for you when saving, then an easy access savings account is likely to be suitable for you. These types of accounts provide flexibility, which could make them ideal for emergency funds, whilst a fixed savings account can help achieve financial goals.

If you would prefer a fixed rate savings account, a Fixed Rate Bond may be a better option. These accounts generally have higher interest rates but come with an element of some risk as you are unable to access your savings until the fixed rate bond reaches maturity. 

Read more about the savings accounts we offer or speak to a member of our team who will be happy to help with any questions you may have.

You can earn tax-free interest up to your Personal Savings Allowance. The allowance is £1,000 in interest each tax year for basic rate taxpayers and £500 for higher rate taxpayers. There is usually no allowance for additional rate tax payers.

We also offer a range of tax-free Easy Access Cash ISAs.

Yes, all our easy access savings accounts have variable interest rates and may change as per the terms and conditions of the particular account.

We will let you know the interest rate currently payable for all your savings accounts each April with our Annual Savings Summary. 

Further information can be found in ‘Section 14: Interest’ of our General Conditions for our Savings Accounts about when we may make changes to the interest rate and how this will be communicated. 

Easy access savings accounts allow you to access money as and when you need it. Some easy access accounts have withdrawal limits (i.e. maximum 2 withdrawals per month, or a maximum amount you can withdraw per day), but others do not have restrictions. This is perfect for people who have a long term savings goal and need easy access to their money; however, they may have lower interest rates than fixed term savings accounts or notice accounts.

A Fixed Rate Bond, holds your savings for a set period. You can't deposit or withdraw from this type of account until it matures, which does increase the risk as you no longer have access to your money. However, Fixed Rate Bonds often offer a higher guaranteed interest rate. Currently, we offer a 1, 2, 3 and 5 year fixed rate savings bonds.