Notices

  • Savings customers - interest rates on many of our variable rate savings products will be decreasing from 29 January. We have emailed or written to you to let you know of how these interest rate decreases affect you. See our variable savings rate changes

  • Mortgage products - On Tuesday 20 January 2026, we made changes to our mortgage product range. This includes enhanced Buy to Let HMO criteria, now catering to properties with up to six bedrooms (previously four bedrooms)

    Managed Mortgage Rates and Discounted Variable Rates

    From 7 February 2026, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.15%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.

    We will shortly be writing to existing customers who have been impacted by this change, with details relevant to them.

Bond and ISA maturity reinvestment options

When your savings fixed rate ends we'll contact you about your options. Here you'll find details of the accounts available for reinvestment.

When your bond or ISA fixed rate ends, your money ‘matures’ and you get access to it. This is known as maturity.

When your maturity date is approaching you’ll need to decide what to do with your savings next.  We’ll send you a letter no later than 15 calendar days before maturity which will explain your maturity options. Please refer to this letter for more details. 

If your Fixed Rate Bond account has matured into to our Market Tracker Saver (2) please find the Product Features leaflet here, or if you hold a Fixed Rate Cash ISA that has matured in our Market Tracker Cash ISA (3) then you can find the Product Features leaflet here.

Below are details of the accounts currently available for reinvestment. See our withdrawn accounts for a list of accounts no longer available.

Accounts currently available*

*Please note: The reinvestment account(s) relevant to your Family Building Society or National Counties maturing savings bond or ISA will be specified in your maturity letter.

AccountBalanceGrossGross AER#
1 Year Fixed Rate Bond (63)   
Annual interest£10,000+3.80%3.80%
(Rates effective from 15 January 2026)£1,000+3.60%3.60%
    
Monthly interest£10,000+3.74%3.80%
(Rates effective from 15 January 2026)£5,000+3.54%3.60%
    
2 Year Fixed Rate Bond (48)   
Annual interest£10,000+3.80%3.80%
(Rates effective from 15 January 2026)£1,000+3.60%3.60%
    
Monthly interest£10,000+3.74%3.80%
(Rates effective from 15 January 2026)£5,000+3.54%3.60%
    
3 Year Fixed Rate Bond (49)   
Annual interest£10,000+3.85%3.85%
(Rates effective from 15 January 2026)£1,000+3.65%3.65%
    
Monthly interest£10,000+3.78%3.85%
(Rates effective from 15 January 2026)£5,000+3.59%3.65%
    
5 Year Fixed Rate Bond (43)   
Annual interest£10,000+3.90%3.90%
(Rates effective from 15 January 2026)£1,000+3.70%3.70%
    
Monthly interest£10,000+3.83%3.90%
(Rates effective from 15 January 2026)£5,000+3.64%3.70%

 

AccountBalanceGrossGross AER#
1 Year Fixed Rate Cash ISA (42)^   
Annual interest£1,000+3.70%3.70%
(Rates effective from 15 January 2026)   
    
2 Year Fixed Rate Cash ISA (36)^   
Annual interest£1,000+3.70%3.70%
(Rates effective from 15 January 2026)   
    
3 Year Fixed Rate Cash ISA (35)^   
Annual interest£1,000+3.75%3.75%
(Rates effective from 15 January 2026)   
    
5 Year Fixed Rate Cash ISA (38)^   
Annual interest£1,000+3.80%3.80%
(Rates effective from 15 January 2026)   
    
Market Tracker Cash ISA (3)^   
Annual Interest£1+4.03%4.03%
(Rates effective from 1 January 2026)   

AccountBalanceGrossGross AER#
Market Tracker Saver (2)
  
Annual Interest£1+3.98%3.98%
(Rate effective from 1 January 2026)   

Notes:

# AER stands for Annual Equivalent Rate and illustrates what the annual rate would be if interest was compounded.

^ Interest is paid tax-free as it is currently exempt from income tax. The future tax treatment of Individual Savings Accounts may vary.

Do you need our help?

If you have questions or need our help please contact our friendly Savings Service Team.

Get in touch