Current interest rates on all our savings accounts
Regular Saver
Interest rates effective from 8 January 2026
|
Account |
Balance |
Gross / AER % Variable |
|
£50 - £250 |
6.00% |
E-Saver Plus and Saver Plus - Issue 8
Interest rates effective from 8 January 2026
|
Account |
Balance |
Gross / AER % Variable |
|
E-Saver Plus - Issue 8 (online)
|
£100 and over |
3.25% |
|
Saver Plus - Issue 8 (face to face and by post)
|
£100 and over |
3.25% |
Cash ISA (face to face and by post) and E-ISA (online)
Interest rates effective from 8 January 2026 for accounts opened on or after that date.
For accounts opened before 7 January 2026, rates are effective from 30 January 2026.
Savings Accounts
Interest rates effective from 8 January 2026 for accounts opened on or after that date.
For accounts opened before 7 January 2026, rates are effective from 30 January 2026.
|
Account |
Balance |
Gross / AER % Variable |
|
£100 and over |
2.25% |
|
Instant Access Saver (face to face and by post)
|
£1 and over |
2.25% |
Member Fixed Rate ISAs - (face to face or by post)
Our Fixed Rate Member ISAs are only for existing members, who have had a savings account and/or mortgage with us for at least 12 months prior to the date of application.
They pay a fixed rate of interest for a set term so you'll know how much interest you’ll get back when your account matures.
Interest rate effective from 6 January 2026
|
Account |
Balance |
Tax-free / AER % Fixed |
| 18 Month Member Fixed Rate ISA - Issue 97 |
£500-£1 million |
3.75% |
1 Year Fixed Rate E-ISA - Issue 95 (online)
Interest rate effective from 6 January 2026
|
Account |
Balance |
Tax-free / AER % Fixed |
|
|
£500 and over |
3.75% |
1 Year Fixed Rate ISA - Issue 95 (face to face or by post)
Interest rate effective from 6 January 2026
|
Account |
Balance |
Tax-free / AER % Fixed |
|
|
£500 and over |
3.75% |
2 Year Fixed Rate E-ISA - Issue 96 (online)
Interest rate effective from 6 January 2026
|
Account |
Balance |
Tax-free / AER % Fixed |
|
|
£500 and over |
3.75% |
2 Year Fixed Rate ISA - Issue 96 (face to face and by post)
Interest rate effective from 6 January 2026
|
Account |
Balance |
Tax-free / AER % Fixed |
|
|
£500 and over |
3.75 % |
Fixed Rate Member Savings Bonds (face to face or by post)
Our Fixed Rate Member Savings Bonds are only for existing members, who have had a savings account and/or mortgage with us for at least 12 months prior to the date of application.
They pay a fixed rate of interest for a set term so you'll know how much interest you’ll get back when your Bond matures.
Note that our Bonds are offered on a first-come, first-served basis and can be withdrawn once the subscription is full.
Interest rate effective from 24 December 2025
|
Account |
Balance |
Gross / AER % Fixed |
|
|
3.75% Gross / AER fixed until
|
Fixed Rate E-Savings Bonds (online)
Our Fixed Rate E-Savings Bonds can be opened online. They pay a fixed rate of interest for a set term so you'll know how much interest you’ll get back when your Bond matures.
Note that our Bonds are offered on a first-come, first-served basis and can be withdrawn once the subscription is full.
Interest rate effective from 24 December 2025
|
Account |
Balance |
Gross / AER % Fixed |
|
|
£500 -£1 million |
3.75% Gross / AER fixed until
|
Interest rate effective from 24 December 2025
|
Account |
Balance |
Gross / AER % Fixed |
|
|
£500 -£1 million |
3.75% Gross / AER fixed until 27 January 2028 |
Savings Bonds (face to face and by post)
Our Fixed Rate Savings Bonds can be opened face to face in our Relationship Centres or by post. They pay a fixed rate of interest for a set term so you'll know how much interest you’ll get back when your Bond matures.
Note that our Savings Bonds are offered on a first-come, first-served basis and can be withdrawn once the subscription is full.
Interest rate effective from 24 December 2025
|
Account |
Balance |
Gross / AER % Fixed |
|
£500-£1 million |
3.75% Gross / AER fixed until |
Interest rate effective from 24 December 2025
|
Account |
Balance |
Gross / AER % Fixed |
|
£500-£1 million |
3.75% Gross / AER fixed until |
Client Account Online
Interest rates for new and existing accounts effective from 1 September 2025
On 2 February 2026 the interest rate will reduce from 1.45% to 1.35%
|
Account |
Balance |
Gross / AER % Variable |
|
Client Account Online
|
£1 up to £2,000,000 £1 up to £10,000,000
|
1.45% |
Loyalty Cash ISA
Our Loyalty Cash ISA rewards existing account holders with a higher rate of interest the longer they keep their money with Scottish Building Society.
The rate below is for existing account holders only, unfortunately we're no longer accepting new applications.
Interest rates for existing accounts effective from 9 September 2025
|
Account |
Balance |
Tax-free / AER % Variable |
|
Loyalty Cash ISA
|
£1 and over |
|
Other Accounts
These products are no longer available and rates shown are for existing accounts only.
Interest rates for existing accounts effective from 9 September 2025
|
Account type |
Gross / AER % Variable |
|
30 Day Notice |
2.70% |
|
Junior ISA |
2.80% |
|
Junior Saver |
2.80% |
|
Junior Regular Saver |
2.80% |
|
Saver Plus - Issue 1 - 7 |
3.71% |
|
E-Saver Plus - Issue 1 - 7 |
3.71% |
Notes
- All interest rates are variable unless otherwise stated.
- AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
- Interest will be paid gross and you will be responsible for paying any tax due to HMRC.
Please read the our Savings Terms and Conditions, together with the relevant product details online or in-branch leaflets for further information on the accounts listed.
Please note that products may be withdrawn at any time without notice.
We're here to help
You can visit us in our Relationship Centres, or call us on 0333 207 4007. Our lines are open 9am - 5pm Monday to Friday (10am - 5pm Wednesday). Calls may be recorded and/or monitored.