ISA Savings Accounts

ISA Savings Accounts – to suit your individual needs

We believe in keeping things simple and straightforward, which is why our savings accounts are easy to operate. 

Our current investment rates are shown below and a full investment rates leaflet is available as a download.

View our Personal Savings Accounts here

Payments into your ISA for the 2025/26 Tax Year - Payments received after 4pm on Thursday 2nd April 2026 will be processed on Tuesday 7th April 2026 and will count towards the new ISA allowance.

Account Type AER%* (Gross)

Online Single Access ISA (Issue 3)

  • Maximum investment limit for the tax year
  • 4.06% Gross PA/AER variable if 1 or fewer withdrawals are made per calendar year
  • 1.35% Gross PA/AER variable if 2 or more withdrawals are made per calendar year
£1 - £250,000 4.06/1.35 4.06/1.35 Online only

2 Year Fixed Rate Cash ISA (Issue 5)

  • Maximum investment limit for the tax year
  • Withdrawals are not permitted during the product term
  • Closure requests before product maturity are subject to a 180 day loss of interest
  • Available to open via Harpenden Online
£1,000 - £250,000 4.06 4.06 Online, in branch and by post

Hart ISA (Issue 1)

  • Only available to those living at a residential address with an AL, HP, LU or WD postcode
  • Maximum investment limit for the tax year
  • Variable rate of interest paid annually
£1 - £250,000 4.01 4.01 In branch or by post

Online 14 Days' Notice ISA (Issue 1)

  • 14 days' notice required for any withdrawal from your account
  • Variable rate of interest paid annually
  • Maximum investment limit for the year
£1,000 - £250,000 3.54 3.54 Online only

Online ISA Account (Issue 4)

  • Only available to open and manage online
  • A customer must be at least 18 years old and a UK resident
  • Maximum investment limit for the tax year
  • Variable rate of interest paid annually
£1 - £250,000 3.40 3.40 Online only

45 Days' Notice ISA Account

  • Variable rate of interest paid annually
  • A customer must be at least 18 years old and a UK resident
  • Maximum investment limit for the tax year
  • 45 days’ notice is required for any withdrawal from your account
£1,000 - £250,000 3.40 3.40 Online, in branch and by post

Triple Access Cash ISA

  • 2.70% Gross PA/AER variable if 3 or less withdrawals are made per calendar year
  • 1.10% Gross PA/AER variable if 4 or more withdrawals are made per calendar year
  • Maximum investment limit for the tax year
  • Available to open via Harpenden Online
£1 – £250,000 2.70/1.10 2.70/1.10 Online, in branch and by post

Cash ISA (Issue 2)

  • Instant access cash individual savings account
  • A customer must be at least 18 years old and a UK resident
  • Maximum investment limit for the tax year
  • Variable rate of interest paid annually
  • Available to open via Harpenden Online
 		£1+ 1.35 1.50 Online, in branch and by post

Notes: This interest rate information should be read in conjunction with the full product information and general terms and conditions for retail savings accounts.

*AER stands for annual equivalent rate and illustrates what the rate would be if interest was paid and compounded once a year. Your tax treatment will depend on your individual circumstances and may be subject to change in the future. The rate of interest payable on variable rate accounts may be subject to change in the future.

Keep Me Informed

You can sign up to receive email communication from us in the two categories below. This is separate to any regulatory communication we may send to our members regarding their savings account(s) or mortgage.

Membership messaging - Mutual magazine and e-newsletters:

  • Online protection and guidance from scams and fraud
  • Volunteering, fundraising and community stories from within the Society
  • Upcoming awareness and national days
  • Customer surveys
  • Opportunity to provide us feedback via Smart Money People

Product promotion and added value campaigns:

  • New product launches that may offer you better returns
  • Promotion of our existing products
  • New services or propositions

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