Cambridge & Counties Bank savings rates — compare every account, plus switch offers and guides

Who they are

Cambridge & Counties Bank is a specialist UK bank with a genuinely unusual backstory. It launched in June 2012 and has a unique ownership structure, being owned 50% by Trinity Hall - a Cambridge University college - and 50% by Cambridgeshire Local Government Pension Fund. Despite the Cambridge name, the head office is located in Leicester, with nationwide coverage through satellite offices.

The bank operates a simple, traditional model - taking in savings from organisations and lending to small and medium-sized businesses, without investing in areas such as the stock market. The majority of cash held above what it lends sits with the Bank of England. It is authorised by the Prudential Regulation Authority and regulated by the FCA.

Savings accounts

Savings services are available for clients including charities, businesses and trusts, with account types spanning notice savings accounts and fixed rate bonds. Cambridge & Counties does not typically cater for personal retail savers in the conventional sense - its savings proposition is built around business and non-personal customers. The bank typically offers notice and fixed rate bonds to its business and non-personal customers, and it does change its product range regularly, so accounts are not always on sale for new customers.

We do not currently have any Cambridge & Counties savings products in our data. Rates and account availability change frequently, so check the live listings on this page for the latest picture.

FSCS protection

Cambridge & Counties has its own banking licence, which is not shared with any other bank. That is reassuring if you hold savings with other institutions - your allowance is not being eaten into by a shared licence. Eligible deposits held by a UK establishment of Cambridge & Counties Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme. This is the updated limit that came into effect in December 2025, higher than the previous £85,000 threshold.

Is it right for you?

Cambridge & Counties Bank suits organisations rather than individual savers - think limited companies, sole traders, charities and trusts looking for straightforward notice or fixed-rate deposit products. If you fall into that category, it is worth keeping an eye on their range. The bank's stable, mission-driven ownership and clean, single-licence structure make it a reassuring place to park institutional funds.

As always, rates move quickly. Use the live figures shown on this page to compare what Cambridge & Counties is currently offering before making any decision.