Savings rates
Rates reviewed daily · last updated 5 October 2026
Savings rates
All rates AER · Updated October 2026
Rates shown are AER and correct as of October 2026.
Fixed Rate
| Account | AER | Term | Interest paid | Min Balance | |
|---|---|---|---|---|---|
| 1 Year Fixed Rate Bond | 4.60% | 1 Year | Monthly/Annually | £10,000 | |
| 3 Year Fixed Rate Bond | 4.45% | 3 Years | Annually | £10,000 | |
| 5 Year Fixed Rate Bond | 4.45% | 5 Years | Monthly/On maturity | £10,000 | |
| 5 Year Fixed Rate Bond | 4.25% | 5 Years | Annually/On maturity | £1,000 |
Easy Access
| Account | AER | Access | Interest | Min Balance | |
|---|---|---|---|---|---|
| Online Saver | 4.15% | £25,000/day withdrawal limit | Variable | £100 | |
| Market Tracker Saver | 4.05% | £25,000/day, 20 withdrawals/year | Variable | £1 |
Cash ISA
| Account | AER | Access | Transfers in | Min Balance | |
|---|---|---|---|---|---|
| Market Tracker Cash ISA | 4.10% | Unlimited | Accepted | £1 |
Junior ISA
| Account | AER | Access | Interest paid | Min Balance | |
|---|---|---|---|---|---|
| Junior Cash ISA | 3.45% | Locked until 18 | Annually | £1 |
Is Family Building Society FSCS protected?
Yes — FSCS protected up to £120,000
Yes. Family Building Society savings are FSCS protected up to £120,000 per person, per banking licence, under National Counties Building Society. The same limit is shared with National Counties Building Society.
Banking licence: National Counties Building Society
Shares this limit with National Counties Building Society.
Last checked against the FCA register on 5 October 2026.
See every brand that shares a banking licenceSwitch offers
Who they are
Family Building Society is a trading name of National Counties Building Society, based in Epsom, Surrey. The roots of the organisation go back to 1896, and the society took on the National Counties name in 1972. In July 2014, National Counties launched the Family Building Society brand, specifically designed to help all generations of families across a wide set of financial offerings. It is a mutual organisation, owned by its saving and borrowing members, and is independent - not a subsidiary of any larger group. The society has one branch in Epsom, with transactions also carried out by phone and internet.
Savings accounts
The range covers easy access, fixed-rate bonds, Cash ISAs, and accounts for children - so there is something here for most savers.
On the variable-rate side, the Online Saver is a straightforward easy-access account, while the Market Tracker Saver takes a slightly different approach - its rate tracks the average of the top 20 easy-access accounts in the market, reviewed quarterly using Moneyfacts data, so it aims to stay competitive without you having to keep switching. The Market Tracker Cash ISA follows the same logic and pays a touch more, making it a tidy tax-free wrapper for those who want a hands-off approach.
For longer-term savers, the fixed-rate bonds lock your money away until maturity but in return offer a higher rate. There are both 3-year and 5-year options, though the minimum deposit required varies between them - check the live table for the current figures.
For children, the Junior Cash ISA locks money away until the child turns 18 and pays a variable rate, while the Junior Saver gives instant access for shorter-term goals.
Deposit protection
Family Building Society is covered by the FSCS. Because it is a trading name of National Counties Building Society, both brands sit under the same banking licence. That means if you already hold savings with National Counties Building Society (or NCBS), your balances across both brands count together towards a single £120,000 FSCS protection limit. Worth checking if you have money with both.
Is it right for you?
Family Building Society suits savers who want a straightforward, mutual alternative to the high street banks - particularly those with family-focused goals like building a pot for a child. The Market Tracker accounts are genuinely useful for anyone who wants a competitive rate without the hassle of constant switching, though the quarterly review mechanism means the rate can move. The fixed-rate bonds demand a higher minimum deposit at the top tier, so they are better suited to savers who have a lump sum to set aside.
There are no current account switch incentives here - this is a savings-focused provider, and it is best approached on that basis.
As always with variable rates, the figures move. Use the live rate table on this page to see exactly what Family Building Society is paying right now before you apply.
This overview was generated by DepositScout's AI, Penny on 5 October 2026. It may contain inaccuracies — always confirm rates and terms with Family Building Society directly. Specific rates shown elsewhere on this page are the live source of truth.
