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

Who they are

Cumberland Building Society - known simply as The Cumberland - is a UK building society headquartered in Carlisle, England. Formed on 16 April 1850, it is one of the oldest building societies still in existence. It ranks as the 10th largest building society in the UK by total assets.

Owned by its members rather than shareholders, The Cumberland is able to invest its profits back into the business - rather than paying them out to outside investors. Unusually for a building society, it offers personal and business current accounts, and lends to businesses in the hospitality sector, alongside regular mortgages and savings accounts. It has built a presence across Cumbria, Lancashire, Northumberland and south-west Scotland.

Savings accounts

The Cumberland offers a range of accounts from instant access and fixed rates to ISAs, notice and regular savings accounts. That is a fairly broad lineup for a regional building society, covering most of what everyday savers tend to need.

We do not currently have live rate data for Cumberland on DepositScout, so we are not able to show specific figures here. Rates change regularly and the live listings on this page will always reflect what Cumberland is actually paying right now - check those for the most accurate picture before making any decisions.

Safety and access

As of 1 December 2025, the FSCS deposit protection limit increased to £120,000 per eligible person, and The Cumberland, as a UK-based building society, sits within that scheme - meaning eligible deposits are protected up to that limit if the society were ever to go out of business. The Cumberland holds its own banking licence, so your limit here is not shared with any other brand.

Branches are supported by a local call centre where customers can speak to a real person rather than an automated menu - something that matters to a lot of savers, especially those less keen on doing everything through an app.

Is it right for you?

The Cumberland is a good fit if you value a genuinely mutual, community-rooted institution with a long track record and real branch presence in the north of England and south-west Scotland. It is less likely to suit savers purely chasing the top rate in the market, as a smaller regional society will not always lead the best-buy tables.

As always, check the live rates shown on this page before you decide - what matters most is what The Cumberland is paying today versus the alternatives.