Limited Access

Earl Shilton Building Society Heritage (Over 50s) Review

One of the best-paying limited access accounts, from Earl Shilton Building Society, with a £1,000 minimum deposit. It ranks 2nd of 5 limited access accounts we track.

Variable rate

3.25%AER

Then 0.75% standard rate

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£180,000

Access

Max 4 withdrawals/year

Interest paid

Annually

The Rate You'll Get

Up to 4 withdrawals per year

3.25%AER

Over 4 withdrawals per year

0.75%AER

How It Stacks Up

Ranks 2nd of 5

Limited access accounts we track

Among the best
This account 3.25%
UK CPI (Aug 2026)
3.10%
Pays 0.15% more
Average limited access
2.88%
Pays 0.37% more
Best limited access
3.75%
Pays 0.50% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

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Worth Weighing Up

  • Con: Part of the rate is a bonus; the standard rate is 0.75%
  • Con: The rate is variable, so it can go down
  • Con: You need at least £1,000 to open it

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Estimated returns with Earl Shilton Building Society's Limited Access

What you could earn with Earl Shilton Building Society's Heritage (Over 50s).

Estimated interest

£1,000 saved

£32.50

At 3.25% AER

£5,000 saved

£162

At 3.25% AER

£10,000 saved

£325

At 3.25% AER

£180,000 saved

£5,850

At 3.25% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Earl Shilton Building Society Heritage (Over 50s)

Jonny PeaseCo-Founder, DepositScout

This account is aimed squarely at savers aged 50 and over who want a simple home for cash without locking it away entirely. The 3.25% rate just edges ahead of CPI inflation at 3.1% (Aug 2026), so you are preserving purchasing power, but only just. The real catch is the withdrawal structure: exceed four withdrawals in a year and the rate collapses to 0.75%, so you need to be confident you can leave the money largely untouched. I would treat that limit seriously, especially with a minimum of £1,000 and a maximum of £180,000 in play.

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Common questions about the Heritage (Over 50s)

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