Chorley Building Society savings rates — compare every account, plus switch offers and guides

Who they are

Chorley Building Society is a Lancashire-based mutual, meaning it is owned by its members rather than shareholders. It is the oldest building society in Lancashire, established on 7 March 1859 - originally created to help mill workers buy their homes. That community spirit still shows today: the society supports charities and local community groups through its Chorley High Five initiative, a commitment to donate 5% of operating profits annually to good causes. It holds its own banking licence and participates in the Financial Services Compensation Scheme (FSCS), with deposits protected up to £120,000 per person.

Savings accounts

Chorley's range is broader than you might expect from a smaller regional society. The headline rate sits with the Regular Saver and Regional 2 Year Flexible Saver, both at 5.00% - though the Regular Saver locks your money away until maturity, while the Flexible version allows two withdrawals a year.

For ISA savers, the Online Cash ISA (Triple Access) pays 3.90% with up to three withdrawals a year and opens from just £1. If you want slightly more flexibility but can tolerate a lower rate, several tiered Easy Access Cash ISA options step down gradually depending on how many withdrawals you need each year.

On the taxable side, the Online Saver (Triple Access) offers 3.80% with a £1,000 minimum, and a Fixed Rate Bond pays 4.00% from £1,000. Notice accounts run from 30 to 120 days, with rates between 2.35% and 2.85%. There is even a Home Saver account at 4.25% aimed at those building a deposit, and a dedicated Over 60s Easy Access Account. Children are well catered for too, with the Regional Flexible Junior Saver paying 3.90%.

As always, specific rates change over time - the live figures shown on this page are the ones to rely on.

Is it right for you?

Chorley suits savers who are comfortable deciding upfront how much access they need, since the highest rates go to accounts with the fewest withdrawals. The tiered structure is transparent: you know exactly what you give up in rate when you gain flexibility. The £1 minimum on most accounts keeps things accessible. There are no current accounts or switching offers here - this is a savings and mortgage specialist, not a current account provider.

The society has three branches in the Chorley area, which matters if you prefer face-to-face service, but online account management is also available. For savers who want a straightforward mutual with deep local roots and a genuine range of options, Chorley is worth a look. Compare the live rates on this page before you decide.