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.
Cash ISA
| Account | AER | Access | Transfers in | Min Balance | |
|---|---|---|---|---|---|
| 5 Year Fixed Rate Cash ISA | 4.80% | 5 Years | Accepted | £1 | |
| 3 Year Fixed Rate ISA | 4.75% | No withdrawals until maturity | Accepted | £1 | |
| 2 Year Fixed Rate ISA | 4.70% | No withdrawals until maturity | Accepted | £1 | |
| 1 Year Fixed Rate ISA | 4.65% | No withdrawals until maturity | Accepted | £1 | |
| 1 Year Fixed Rate ISA (Online) | 4.65% | 1 Year | Accepted | £1 | |
| Annual Allowance ISA | 4.00% | Unlimited | Not accepted | £1 | |
| Bonus Access ISA | 3.80% | Unlimited | Accepted | £1 | |
| Triple Access ISA | 3.05% | 3 withdrawals/interest year | Accepted | £500 | |
| Flexible Easy Access ISA | 1.70% | Unlimited | Accepted | £1 |
Fixed Rate
| Account | AER | Term | Interest paid | Min Balance | |
|---|---|---|---|---|---|
| 5 Year Fixed Rate Bond | 4.80% | Fixed until 31.08.2031 | Annually | £1 | |
| 3 Year Fixed Rate Bond | 4.75% | Fixed until 29.08.2029 | Annually | £1 | |
| 2 Year Fixed Rate Bond | 4.70% | Fixed until 30.08.2028 | Annually | £1 | |
| 1 Year Fixed Rate Bond | 4.65% | Fixed until 28.07.2027 | Annually | £1 |
Regular Saver
| Account | AER | Monthly Limit | Interest | Min Balance | |
|---|---|---|---|---|---|
| Regular Saver | 4.25% | £500 | Variable | £1 |
Easy Access
| Account | AER | Access | Interest | Min Balance | |
|---|---|---|---|---|---|
| Bonus Access Saver | 4.25% | Unlimited | Variable | £1 | |
| Branch Flexible Saver | 1.70% | Unlimited | Variable | £1 |
Junior ISA
| Account | AER | Access | Interest paid | Min Balance | |
|---|---|---|---|---|---|
| Junior ISA | 3.75% | Locked until 18 | Annually | £1 |
Limited Access
| Account | AER | Access | Interest | Min Balance | |
|---|---|---|---|---|---|
| Triple Access Saver | 3.05% | 3 withdrawals/interest year | Variable | £500 |
Lifetime ISA
| Account | AER | Access | Interest paid | Min Balance | |
|---|---|---|---|---|---|
| Online Lifetime ISA | 2.00% | Age 60+ or first home | Annually | £1 |
Is Nottingham Building Society FSCS protected?
Yes — FSCS protected up to £120,000
Yes. Nottingham Building Society savings are FSCS protected up to £120,000 per person, per banking licence, under Nottingham Building Society.
Banking licence: Nottingham Building Society
Last checked against the FCA register on 5 October 2026.
See every brand that shares a banking licenceSwitch offers
Who they are
Nottingham Building Society was founded in 1849 by a small group of local businessmen led by Quaker Samuel Fox.
Fox's vision was to help people own their own home and to offer a safe, secure place for their savings - a purpose the society has stuck to ever since. It is a mutual building society, which means it has no shareholders.
Rather than maximising profits to pay out to external shareholders, any further profit is reinvested back into the business and local communities.
At December 2024, the society held total assets of more than £5 billion.
It operates via a network of 30-plus branches , and also offers digital savings through its Beehive Money app. Nottingham Building Society's eligible deposits are protected by the FSCS up to £120,000 per person, per authorised firm (banking licence).
Savings accounts
The range here is genuinely broad. On the fixed side, bonds run from one to five years, with rates from 4.65% up to 4.80% AER. Fixed ISAs cover the same one-to-five-year span at matching rates - handy if you want tax-free interest locked in for a set term. You can start any of these with as little as £1, though the trade-off is that no access is permitted until maturity.
For savers who need flexibility, the Bonus Access Saver and Regular Saver both sit at 4.25% AER variable, with the Bonus Access Saver allowing unlimited withdrawals and the Regular Saver offering unlimited penalty-free access too. The Annual Allowance ISA pays 4.00% AER variable with unlimited access - a solid option for sheltering this year's ISA allowance without locking it away.
For families, there is a Junior ISA and a Young Savers' Club both at 3.75% AER, plus a Lifetime ISA at 2.00% AER for first-time buyers or retirement saving. The branch-based Flexible Saver and its ISA equivalent pay 1.70% AER, so if you are managing savings in-branch, it is worth comparing those against the online options.
Is it right for you?
Nottingham Building Society suits savers who want a wide choice of account types - fixed, easy access, ISA, children's, and lifetime - all under one roof and with a low £1 minimum on most. The mutual structure means your interests should, in theory, come before profit targets. There are no switch offers in the current data, so if a cash bonus for moving is your priority, you may want to look elsewhere.
As always, rates shown here are variable or time-limited, and the live figures on this page are the most up-to-date guide to what Nottingham Building Society is currently paying - so use those numbers, not these, when you are ready to compare.
This overview was generated by DepositScout's AI, Penny on 30 September 2026. It may contain inaccuracies — always confirm rates and terms with Nottingham Building Society directly. Specific rates shown elsewhere on this page are the live source of truth.
