Notices

  • Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 December 2024. We will be writing to all customers individually to confirm the new rates.

    Mortgages: Tracker mortgages will change on 25 December 2024 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.

    (Notice updated 08/11)

  • Online Service update. Due to planned essential maintenance, our Online Service will not be available between the hours of 8:00 am until 6:00 pm on the 15 December. We apologise for any inconvenience this may cause.

No fuss

Compare all our easy access savings accounts

Whether you prefer to manage your account in branch or online we have a range of easy access savings accounts for you.

Why choose Family Building Society?

We're an award-winning building society that does things differently, with over 125 years supporting savers and over 47,000 account holders. No matter what you're saving for we're here to help and have a chat if you like, with minimum jargon.

 

Our easy access accounts offer you the freedom and flexibility to access your money without needing to wait for a notice period. Perfect for a short-term savings goal. You can compare all our easy access products in the table below.
Depending on the savings account you wish to open, you may be able to apply online, by post or in branch (as detailed below in the individual product additional information). If you are applying online and new to Family Building Society, it only takes a few minutes to apply. Please have your National Insurance number to hand.
 
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All our savings accounts are FSCS protected.fscs_logo
Annual interest (AER gross) Account rate type Minimum opening amount Additional information Monthly interest option? Withdrawal limits Available to new customers?

Market Tracker Saver (1)
4.65%
  • Tracker
  • Variable
 £500

Open online, by post or in branch.

 No £25,000 per day, per account | 20 allowed annually. Yes
Full details and apply

Branch Saver (5)
3.20 % to 3.30%
  • Variable
 £1
  • Interest rates depends on balance
  • Passbook-based account.
 No Immediate withdrawal by cheque from branch is £50,000 only. Yes
View full details

Everyday Saver (3)
3.15% to 3.25%
  • Variable
 £100
  • Interest rates depend on balance
  • Open & manage online.
 No 12 allowed annually. Yes
Full details and apply

Comparing two savings accounts

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Account type DYNAMIC DYNAMIC
Minimum opening amount DYNAMIC DYNAMIC
Additional information DYNAMIC DYNAMIC
Monthly interest option? DYNAMIC DYNAMIC
Withdrawal limits DYNAMIC DYNAMIC
Available to new customers DYNAMIC DYNAMIC

Note that products are subject to additional terms and subject to change. See a product's full details to find out more.

Frequently asked questions about our easy access savings accounts

You can open an account as an individual, jointly or as an attorney. You must be ordinarily resident in the UK for tax purposes.

We don’t have a limit to the number of easy access savings accounts you can have. The overall maximum investment any one individual can have with us for all share accounts is £2,000,000.

Yes, your savings are in safe hands, protected up to a total of £85,000 by the Financial Services Compensation Scheme.

This limit is applied to the total of any deposits you have with the following: Family Building Society and National Counties Building Society. Any total deposits you hold above the limit between these brands are unlikely to be covered. 

Learn more about the FSCS. 

If getting access to your savings and having the ability to make withdraws easily is a priority for you when saving, then an easy access savings account is likely to be suitable for you.

You can earn tax-free interest up to your Personal Savings Allowance. The allowance is £1,000 in interest each tax year for basic rate taxpayers and £500 for higher rate taxpayers. There is usually no allowance for additional rate tax payers.

We also offer a range of tax-free Easy Access Cash ISAs, which can be found here.

Yes, all our easy access savings accounts have variable interest rates and may change as per the terms and conditions of the particular account. Further information can be found in ‘Section 14: Interest’ of our General Conditions for our Savings Accounts about when we may make changes to the interest rate and how this will be communicated. 

Notice accounts require you to give notice if you wish to withdraw your money, whereas easy access accounts do not. Easy access accounts typically pay lower rates of interest, but depending on if you need the flexibility of access, then an easy access account is likely to be best suited to you!