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Instant access accounts

The accounts listed here are the ones where you have easy access to your money without having to give us notice or pay a penalty.

Postal Account - Cheshire's Premier Postal Account now offers instant access via your local branch.

Premier Postal Account - Issue 3
Investment Gross Rate % Net Rate % *AER % Apply
Annual Interest £5,000 - £50,000 5.50 4.40 5.08 Apply Now
Find out more about premier postal     

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Easy Saver is designed around you. It offers penalty-free access to your savings at any time whilst rewarding you with higher rates if you limit your withdrawals. You can choose to have your interest paid monthly or annually.

 

0-4 Withdrawals
5-6 Withdrawals
7-12 Withdrawals
13+ Withdrawals
Easy Saver 0-4 Withdrawals
Investment Gross Rate % Net Rate % AER % Apply
Annual Interest £250,000+ 4.40 3.52 4.40 Apply Now
£100,000+ 4.10 3.28 4.10 Apply Now
£50,000+ 3.85 3.08 3.85 Apply Now
£25,000+ 3.60 2.88 3.60 Apply Now
£10,000+ 3.35 2.68 3.35 Apply Now
£2,500+ 3.10 2.48 3.10 Apply Now
£1+ 2.30 1.84 2.30 Apply Now
Monthly Interest £250,000+ 4.31 3.45 4.40 Apply Now
£100,000+ 4.02 3.22 4.10 Apply Now
£50,000+ 3.78 3.02 3.85 Apply Now
£25,000 3.54 2.83 3.60 Apply Now
£10,000 3.30 2.64 3.35 Apply Now
£2,500 3.06 2.45 3.10 Apply Now
£1+ 2.28 1.82 2.30 Apply Now
Find out more about easy saver     Previous rates
Easy Saver 5-6 Withdrawals
Investment Gross Rate % Net Rate % AER % Apply
Annual Interest £250,000+ 4.10 3.28 4.10 Apply Now
£100,000+ 3.80 3.04 3.80 Apply Now
£50,000+ 3.55 2.84 3.55 Apply Now
£25,000+ 3.30 2.64 3.30 Apply Now
£10,000+ 3.05 2.44 3.05 Apply Now
£2,500+ 2.80 2.24 2.80 Apply Now
£1+ 2.00 1.60 2.00 Apply Now
Monthly Interest £250,000+ 4.02 3.22 4.10 Apply Now
£100,000+ 3.73 2.98 3.80 Apply Now
£50,000+ 3.49 2.79 3.55 Apply Now
£25,000 3.24 2.59 3.30 Apply Now
£10,000 3.00 2.40 3.05 Apply Now
£2,500 2.76 2.21 2.80 Apply Now
£1+ 1.98 1.58 2.00 Apply Now
Find out more about easy saver    Previous rates
Easy Saver 7-12 Withdrawals
Investment Gross Rate % Net Rate % AER % Apply
Annual Interest £250,000+ 3.40 2.72 3.40 Apply Now
£100,000+ 3.10 2.48 3.10 Apply Now
£50,000+ 2.85 2.28 2.85 Apply Now
£25,000+ 2.60 2.08 2.60 Apply Now
£10,000+ 2.35 1.88 2.35 Apply Now
£2,500+ 2.10 1.68 2.10 Apply Now
£1+ 1.60 1.28 1.60 Apply Now
Monthly Interest £250,000+ 3.34 2.67 3.40 Apply Now
£100,000+ 3.05 2.44 3.10 Apply Now
£50,000+ 2.81 2.25 2.85 Apply Now
£25,000 2.56 2.05 2.60 Apply Now
£10,000 2.32 1.86 2.34 Apply Now
£2,500 2.08 1.66 2.10 Apply Now
£1+ 1.58 1.26 1.60 Apply Now
Find out more about easy saver     Previous rates
Easy Saver 13+ Withdrawals
Investment Gross Rate % Net Rate % AER % Apply
Annual Interest £250,000+ 2.10 1.68 2.10 Apply Now
£100,000+ 1.80 1.44 1.80 Apply Now
£50,000+ 1.65 1.32 1.65 Apply Now
£25,000+ 1.55 1.24 1.55 Apply Now
£10,000+ 1.45 1.16 1.45 Apply Now
£2,500+ 1.35 1.08 1.35 Apply Now
£1+ 1.25 1.00 1.25 Apply Now
Monthly Interest £250,000+ 2.08 1.66 2.10 Apply Now
£100,000+ 1.78 1.42 1.80 Apply Now
£50,000+ 1.63 1.30 1.65 Apply Now
£25,000 1.54 1.23 1.55 Apply Now
£10,000 1.44 1.15 1.45 Apply Now
£2,500 1.34 1.07 1.35 Apply Now
£1+ 1.24 0.99 1.25 Apply Now
Find out more about easy saver     Previous rates
Premium Access
Investment Gross Rate % Net Rate % AER % Apply
Annual Interest £10,000+ 0.85 0.68 0.85 Apply Now
£5,000+ 0.80 0.64 0.80 Apply Now
£2,500+ 0.75 0.60 0.75 Apply Now
£1+ 0.65 0.52 0.65 Apply Now
Find out more about premium access     Previous rates
Premium Access - This is a simple account offering penalty-free access to your savings.

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Big Cat Junior Saver
Investment Gross Rate % Net Rate % AER % Apply
Annual Interest £1 - 15,000 5.00 4.00 5.00 Apply Now
Find out more about Big Cat Junior Saver    
Big Cat Junior Saver - This is the account for the next generation of savers. Save up to £15,000 and, because you've got instant access, you can withdraw your money when you need it. Available to those under 18 or, the account can be opened on behalf of an under 18 year old.

Caring for Hospices
Investment Gross Rate % Net Rate % AER %
Annual Interest £10,000+ 3.20 2.56 3.20
£5,000+ 2.70 2.16 2.70
£2,500+ 2.35 1.88 2.35
£1+ 2.25 1.80 2.25
Find out more about caring for hospices     Previous rates
Caring for Hospices - With our Caring for Hospices Savings Account, you can earn interest for yourself, and the Cheshire will make a valuable cash donation to your chosen local hospice.

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Caring for Children
Investment Gross Rate % Net Rate % AER % Apply
Annual Interest £10,000+ 3.20 2.56 3.20 Apply Now
£5,000+ 2.70 2.16 2.70 Apply Now
£2,500+ 2.35 1.88 2.35 Apply Now
£1+ 2.25 1.80 2.25 Apply Now
Find out more about caring for children     Previous rates
Caring for Children - This savings account provides good rates of interest plus you can make up to six penalty free withdrawals per year, pro rata for the first year. What's more, the Society will provide a cash sum to Action for Children based on your savings.

Roary's Junior Silkmen Saver
Investment Gross Rate % Net Rate % AER % Apply
Annual Interest £1 - £15,000 4.30 3.44 4.30 Apply Now
Find out more about roary's junior silkmen saver     Previous rates
Roary's Junior Silkmen Saver - An account that you can show support for Macclesfield Town football team. As well as encouraging youngsters to start saving, we also promise to make a donation of 1% of the average annual balance to club.

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Silkmen Saver
Investment Gross Rate % Net Rate % AER % Apply
Annual Interest £10,000+ 3.20 2.56 3.20 Apply Now
£5,000+ 2.70 2.16 2.70 Apply Now
£2,500+ 2.35 1.88 2.35 Apply Now
£1+ 2.25 1.80 2.25 Apply Now
Find out more about silkmen saver     Previous rates
Silkmen Saver - Whether you are a fan of Macclesfield Town or simply a fan of great interest rates you can now enjoy the benefit of a savings account that lets you make up to six penalty free withdrawals per year, pro rata for the first year. In addition, your savings will earn the club a cash sum each year.

Gresty's Junior Saver
Investment Gross Rate % Net Rate % AER % Apply
Annual Interest £1 - £15,000 4.30 3.44 4.30 Apply Now
Find out more about gresty's junior saver     Previous rates
Gresty's Junior Saver - An instant access account that you can show support for Crewe Alexandra Football team. As well as encouraging youngsters to start saving, we also promise to make a donation of 1% of the average annual balance to club.

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Crewe Alexandra Academy
Investment Gross Rate % Net Rate % AER % Apply
Annual Interest £10,000+ 3.20 2.56 3.20 Apply Now
£5,000+ 2.70 2.16 2.70 Apply Now
£2,500+ 2.35 1.88 2.35 Apply Now
£1+ 2.25 1.80 2.25 Apply Now
Find out more about crewe alexandra academy    Previous rates
Crewe Alexandra Academy Account - Whether you are a fan of Crewe Alexandra or simply a fan of great interest rates you can now enjoy the benefit of a savings account that lets you make up to six penalty free withdrawals per year, pro rata for the first year. In addition, your savings will earn the club a cash sum each year.

Wolf Pack
Investment Gross Rate % Net Rate % AER % Apply
Annual Interest £1 - £15,000 4.30 3.44 4.30 Apply Now
Find out more about wolf pack     Previous rates
Wolf Pack Account - Young Warrington Wolves RLFC fans can take advantage of our Wolf Pack Account. With instant access and an attractive rate of interest, what better way to support the club! Available to those under 18 or, the account can be opened on behalf of an under 18 year old.

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Super Wolves Saver
Investment Gross Rate % Net Rate % AER % Apply
Annual Interest £10,000+ 3.20 2.56 3.20 Apply Now
£5,000+ 2.70 2.16 2.70 Apply Now
£2,500+ 2.35 1.88 2.35 Apply Now
£1+ 2.25 1.80 2.25 Apply Now
Find out more about super wolves saver     Previous rates
Super Wolves Saver - Whether you are a fan of Warrington Wolves RLFC or simply a fan of great interest rates you can now enjoy the benefit of a savings account that lets you make up to six penalty free withdrawals per year, pro rata for the first year. In addition, your savings will earn the club a cash sum each year.

Club Class
Investment Gross Rate % Net Rate % AER %
Annual Interest £100,000+ 3.55 2.84 3.55
£50,000+ 3.25 2.60 3.25
£25,000+ 2.90 2.32 2.90
£10,000+ 2.45 1.96 2.45
£5,000+ 2.00 1.60 2.00
£2,500+ 1.50 1.20 1.50
£1+ 1.10 0.88 1.10
Find out more about club class     Previous rates
Club Class - Club Class is the Cheshire's investment service designed specifically for people investing on behalf of a club, charity, company, or similar organisation. The account offers easy access to funds at competitive rates of interest.

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Client Deposit
Investment Gross Rate % Net Rate % AER %
Annual Interest £10,000+ 0.85 0.68 0.85
£5,000+ 0.80 0.64 0.80
£2,500+ 0.75 0.60 0.75
£1+ 0.65 0.52 0.65
Find out more about client deposit     Previous rates
Client Deposit Account - With the benefit of instant access, our Client Deposit Account is specially designed for Solicitors, Accountants and other professionals investing funds on behalf of their clients.

Cash ISA - 3rd Issue
Investment Tax Free Rate % Net Rate % AER % Apply
Annual Interest £1 - £3,600 4.45 4.45 Apply Now
Find out more about cash ISA     Previous rates
Cash ISA - 3rd Issue - With the Cheshire's CAT standard Cash ISA (3rd issue) you can enjoy instant access and an attractive rate of interest. - completely tax free.

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  • The ‘gross rate’ is the contractual rate of intere