Key Features
An ISA is an individual savings account. The main difference between this and other forms of savings accounts is that the interest you earn with an ISA is tax-free, whereas you may have to pay tax on other savings accounts.
Unlike a standard savings account you may have with your Bank or Building Society, an ISA allows you to save or invest up to a set amount (your ISA allowance) each tax year without having to pay tax on interest, dividends, or gains.
You get a new ISA allowance every year, which is set by the UK Government. The ISA allowance for the current tax year is £20,000. The tax year runs from April 6th to April 5th.
- There are several different types of ISAs, each one designed for a particular kind of saving or investing.
- The various types of ISA available include Cash, Stocks and shares, Innovative finance, lifetime and junior.
- New rules were introduced on 6th April 2024, you can now open as many ISAs as you want in a tax year. However, you still have the same ISA allowance of £20,000 across these accounts.
- ISA allowances can’t be carried over from one tax year to the next, so if you don’t pay in your full allowance before April 5th, you’ll lose the rest of that year’s allowance.
- Anything you save into an ISA after April 5th will be counted as part of your ISA allowance for the new tax year. Use it, don’t lose it.
ISA Accounts Available
2 Year Fixed Rate Cash ISA (Issue 6)
Hart 1 Year Fixed Rate Cash ISA (Issue 1)
Online Single Access ISA (Issue 3)
90 Days' Notice ISA (Issue 1)
Hart ISA (Issue 1)
Online 14 Days' Notice ISA (Issue 1)
Online ISA (Issue 4)
45 Days' Notice ISA (Issue 1)
Triple Access Cash ISA (Issue 1)
Cash ISA (Issue 2)
Notes: The information contained in this table forms part of the terms and conditions of the account and should be read in conjunction with our Cash ISA Terms and Conditions.
*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.
Some help & guidance
Savings FAQs
Find clear answers to our most frequently asked questions, designed to help you make your savings journey as simple as possible.
Jargon Buster
Financial jargon can be confusing sometimes. Our jargon buster breaks down some of the common savings terms and abbreviations.
Forms & Documents
Here you will find some useful savings forms and further information documents to help you manage your savings accounts.
Latest News
Latest News
APR 17, 2026
A Q&A with our CEO Tracie
Here’s a quick Q&A from our CEO Tracie Meadows diving into our new rebrand.
Industry
JAN 22, 2026
We celebrate our new branch opening in Harpenden
We are thrilled to announce the launch of our brand-new branch, located right on the High Street, in one of the busiest areas of Harpenden. The doors opened on the…
Industry
DEC 01, 2025
FSCS protection limit increase
The Financial Services Compensation Scheme (FSCS) has increased the protection limit from £85,000 to £120,000 from 1st December 2025. This means if you hold deposits or savings with a building society,…
Community
OCT 15, 2025
Jon’s savings blog – The importance of talking about money
Money. It’s not going away, and it’s one of the most essential parts of our lives, and yet, for many, it’s still one of the hardest things to talk about….
Community
OCT 14, 2025
Our latest volunteering
Watling View For the third year running, eleven colleagues from across the Society visited Watling View School in St Albans for a day this summer to help give their facilities a…
Community
OCT 13, 2025
A spot of phishing
It’s been reported that 28%* of the population were hybrid workers at the end of 2024. There are so many benefits that working from home offers for both employees and companies:…
Community
OCT 10, 2025
Doorstep scams
Doorstep scams occur when someone comes to your front door to either scam you out of your money, personal information or even to gain access to your home to steal…
Community
OCT 09, 2025
Our latest grants
Harpenden Hopper HBS Grant £4,000 The Harpenden Hopper is a community minibus service that has become much more than just a means of getting from A to B. The Hopper is a…