Everyday Saver (3)

Simple and straightforward easy access to your savings.

Your savings are protected.

FSCS - Your savings are protected 
Annual interest (AER gross) Account rate type Minimum opening amount Additional information Monthly interest option? Withdrawal limits Available to new customers?
3.40% to 3.50%
  • Variable
  • Interest rates depend on balance
  • Open & manage online.
No 12 allowed annually. Yes

Key features

View summary box
  • Variable tiered interest rate to reward those who save more
  • Apply for an account online, by post or at our Epsom branch
  • Save from £100 up to £250,000
  • Interest is paid annually on 31 January and added to the account or by transfer to your bank account
  • Add to your savings by debit card (online only via the Online Service), by transfer from your bank account, by cheque, by transfer from another account with us or by cash
  • Easy access with up to 12 withdrawals available per calendar year without an access charge and can be paid by transfer to your bank account, by transfer to another account with us or by cash
  • This account can be opened and/or operated by an Attorneys, Deputies or Third Parties (see below for more details).


Before you apply, please read the account summary box below. It is not intended to be a substitute for reading the Product Features leaflet and General Conditions for our Savings Account booklet.

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Account summary box

Account name

Everyday Saver (3)

What is the interest rate?

Rates effective from 31 August 2023
Gross AER1
  • Interest rates are dependent on balance amount
  • Interest is calculated daily and paid annually on 31 January.

Can the Family Building Society change the interest rate?

Yes, the interest rate is variable and may be changed. Please refer to Section 14 of the General Conditions for our Savings Accounts booklet for more information on when we may make changes to the interest rate and how this will be communicated.

What would the estimated balance be after 12 months based on a £1,000 and £50,000 deposit?

Opening balanceProjected balance (Gross)
  • These projections assume that the account is opened with the stated amount with no additions or withdrawals made. Projected balance is at the end of 12 months
  • All projections are provided for illustrative purposes only and do not take into account individual circumstances
  • Actual interest may depend on the date the account is opened and the date that interest is paid.

How do I open and manage my account?

  • The Everyday Saver (3) can be applied for online, by post or at our Epsom branch
  • A minimum of £100 must be deposited
  • A maximum of £250,000 may be held in the account
  • Instructions for the account can be made via the Online Service, by phone, by post or at our Epsom branch.

Can I withdraw money?

  • Up to 12 withdrawals are permitted per calendar year without notice or access charge, and can be paid by transfer to your bank account, by transfer to another savings account with us or by cash
  • Minimum withdrawal is £100.

Please see the 'Taking money out' section of the Product Features leaflet for full information.

How can I make deposits?

  • Additions are allowed but not required on a regular basis
  • Additions to the account can be made by debit card (online only via the Online Service), by transfer from your bank account, by cheque, by transfer from another savings account with us or by cash.

Additional information

Tax status: Interest is paid gross without deduction of income tax. You will need to declare any income from savings interest earned over your PSA2 through a self-assessment tax return to HM Revenue & Customs. Interest is paid on 31 January and available from the following day.

This issue may be withdrawn at any time without prior notice.

1AER stands for Annual Equivalent Rate and illustrates what the annual rate would be if interest was compounded.
2PSA stands for Personal Savings Allowance. 

All financial information correct on 18 August 2023.

Operating an account on behalf of someone else

This account can be opened and operated by Attorneys and Deputies. It can also be operated by Third Parties. For full details click here

Use of a debit card to deposit savings

To add to your account using your debit card, you will need to register for our Online Service. You can’t use your debit card to add money to your account over the phone. Please note that the debit card you use to deposit money via the Online Service should be registered to the address we hold for you.

Debit card transactions are subject to approval by your bank and may be declined if you do not have sufficient funds available in your bank account or the transaction exceeds your bank's anti-fraud limits.

Over 125 years looking after people's money

For a long time we've been trusted to help people save for homes, holidays & more with a more small scale, personal approach as shown in our awards.

More about who we areView our awards

Contact our expert UK team

New enquiries

Savings - 03330 140141

Mortgages - 03330 140140

Existing customers

Savings - 03330 140144

Mortgages - 03330 140146

...or ask the way that suits you.

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Visit us in branch

Ashley Square, Epsom, Surrey, KT18 5DD.

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