What interest rate does the Family Building Society Market Tracker Cash ISA pay?

The Family Building Society Market Tracker Cash ISA pays 4.10% AER variable.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £410 at 4.10% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £1 and up to £20,000.

Can I withdraw my money?

Yes. Withdrawals are unlimited.

When is interest paid?

Interest is paid annually or monthly.

Who can open this account?

New and existing Family Building Society customers can open it. You can open it online, in branch or by post.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

Can I transfer an existing ISA in?

Yes, transfers in from other ISAs are accepted.

How does it compare with other cash ISAs?

At 4.10% AER it ranks 18th of 137 cash ISAs we track. The best pays 4.87% and the average is 2.98%.

Dashboard

Cash ISA

Family Building Society Market Tracker Cash ISA Review

One of the best-paying cash ISAs, from Family Building Society. It ranks 18th of 137 cash ISAs we track.

Rate checked Oct 2026Got this account? Leave a review

Variable rate

4.10%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

Unlimited

Interest paid

Annually or Monthly

Transfers in

Accepted

How It Stacks Up

Ranks 18th of 137

Cash ISAs we track

Among the best

This account 4.10%

UK CPI (Aug 2026): 3.10%; Pays 1.00% more
Average cash ISA: 2.98%; Pays 1.12% more
Best cash ISA: 4.87%; Pays 0.77% less

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

A better-paying alternative

Trading 212

Cash ISA

4.60%

AER

Pays 0.50% more than this Family Building Society account
Includes a 1.00% bonus for 12 months, then 3.60%

Compare Cash ISAs

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A Good Fit For

Pro: New and existing savers
Pro: Savers who want a monthly income

Worth Weighing Up

Con: The rate is variable, so it can go down

Good to Know

Tracks Market Tracker Saver rate + 0.05%

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Family Building Society's Cash ISA

What you could earn with Family Building Society's Market Tracker Cash ISA.

Estimated interest

£1,000 saved

£41.00

At 4.1% AER

£5,000 saved

£205

At 4.1% AER

£10,000 saved

£410

At 4.1% AER

£20,000 saved

£820

At 4.1% 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.

Our Expert Opinion on Family Building Society Market Tracker Cash ISA

Jan WatermannCo-Founder, DepositScout

Family Building Society's Market Tracker Cash ISA pays 4.10%, which tracks their Market Tracker Saver rate plus 0.05%, so the rate moves with the market rather than sitting fixed. That mechanism suits savers who want passive rate-following without switching accounts, though at 1.02% below the Cash ISA market leader at 5.12%, it sits below the market average and is hard to recommend on rate alone. It does beat August 2026 CPI of 3.1% by 1.00%, and the £20,000 cap is simply the annual ISA allowance.

Compare Cash ISAs