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.
Notice Account
| Account | AER | Notice period | Interest | Min Balance | |
|---|---|---|---|---|---|
| Notice 180 | 4.26% | 180 Days | Variable | £5,000 | |
| Notice 180 – Monthly Interest | 4.26% | 180 Days | Variable | £5,000 | |
| Notice 120 | 4.10% | 120 Days | Variable | £5,000 | |
| Notice 120 – Monthly Interest | 4.10% | 120 Days | Variable | £5,000 | |
| E-Saver Notice 90 | 3.80% | 90 Days | Variable | £5,000 | |
| Notice 90 | 3.55% | 90 Days | Variable | £5,000 | |
| Notice 60 | 2.70% | 60 Days | Variable | £5,000 | |
| Notice 35 | 2.50% | 35 Days | Variable | £5,000 |
Regular Saver
| Account | AER | Monthly Limit | Interest | Min Balance | |
|---|---|---|---|---|---|
| Regular Saver | 4.15% | £1,000 | Variable | £25 |
Junior ISA
| Account | AER | Access | Interest paid | Min Balance | |
|---|---|---|---|---|---|
| Junior Cash ISA | 3.76% | Locked until 18 | Annually | £1,000 |
Cash ISA
| Account | AER | Access | Transfers in | Min Balance | |
|---|---|---|---|---|---|
| Notice 45 Cash ISA | 3.15% | 45 Days | Accepted | £100 | |
| Cash ISA | 2.25% | Instant | Accepted | £1 |
Limited Access
| Account | AER | Access | Interest | Min Balance | |
|---|---|---|---|---|---|
| Pullman Triple Access | 2.35% | 3 withdrawals/year | Variable | £100 |
Easy Access
| Account | AER | Access | Interest | Min Balance | |
|---|---|---|---|---|---|
| Pullman Annual Interest | 1.90% | Instant | Variable | £1 | |
| Pullman Monthly Interest | 1.90% | Instant | Variable | £1 |
Is Stafford Building Society FSCS protected?
Yes — FSCS protected up to £120,000
Yes. Stafford Building Society savings are FSCS protected up to £120,000 per person, per banking licence, under Stafford Railway Building Society.
Banking licence: Stafford Railway Building Society
Last checked against the FCA register on 5 October 2026.
See every brand that shares a banking licenceSwitch offers
Who they are
Stafford Building Society is a British mutual building society, headquartered in Stafford, Staffordshire, founded in 1877 by a small group of railway workers of the London and North Western Railway Company. It traded as Stafford Railway Building Society until it rebranded in March 2024. The legal entity behind the brand remains The Stafford Railway Building Society, which is the FCA-authorised and FSCS-protected firm (FCA reference 206063).
Mutuality is at the heart of the business - it exists for the benefit of members, not shareholders. Today it serves more than 15,000 members and supports a wide range of local charities, community groups and causes across Staffordshire. It is a small, independent society - there are no shared-licence brands - so your £120,000 FSCS deposit protection sits entirely with The Stafford Railway Building Society.
Savings accounts
The range is wider than you might expect from a society this size. Notice accounts are where Stafford really stands out. The Notice 180 and Notice 180 Monthly Interest both pay 4.26% AER variable, with a £5,000 minimum. The Notice 120 and its monthly-interest equivalent pay 4.10% AER, and there is an online-only E-Saver Notice 90 at 3.80% AER - a small premium over the branch-and-post Notice 90 at 3.55% AER, reflecting the lower running costs of the digital channel. All notice accounts require a £5,000 minimum deposit.
The Regular Saver pays 4.15% AER variable from just £25. For families, the Junior Cash ISA pays 3.76% AER - locked until the child turns 18 - with a £1,000 minimum. There is also a straightforward instant-access Cash ISA at 2.25% AER and a Notice 45 Cash ISA at 3.15% AER for those who can accept a short notice period on their ISA wrapper.
The Pullman easy-access accounts (annual and monthly interest) pay 1.90% AER from £1, and the Pullman Triple Access steps up to 2.35% AER in exchange for capping withdrawals at three per year. These rates sit well below the top of the easy-access market, so if pure liquidity at a competitive rate is your goal, it is worth comparing elsewhere.
Accounts can be applied for online, by post, or by visiting the branch in Stafford. Most accounts are branch-based and designed to be operated over the counter using a passbook. The E-Saver Notice 90 is the notable exception - online only.
Is it right for you?
Stafford suits savers who are comfortable without a full app-based experience and are happy to manage things by passbook, post, or a modest online portal. The notice account range is genuinely competitive - the 180-day account has consistently appeared near the top of best-buy tables. If you know you will not need your money for six months or more, it is worth a close look.
The easy-access Pullman accounts lag the broader market considerably, so these are best treated as a convenience rather than a destination for a large cash balance.
All deposits are protected up to £120,000 per person under the FSCS. There are no brands sharing this licence, so the full allowance is yours alone. Joint accounts receive £240,000 of cover (£120,000 per holder), and temporary high balances - such as proceeds from a house sale - are covered up to £1.4 million for six months.
As always, the live rates shown on this page are the most up-to-date figures available - rates are variable and can change at any time, so check the current numbers 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 Stafford Building Society directly. Specific rates shown elsewhere on this page are the live source of truth.
