Heritage Credit Union Bank Loyalty Cash ISA

Flexible tax-free savings.

  • Receive a Loyalty rate for 12 months from the date of each payment into your ISA
  • $1 deposit to open
  • Instant access
  • Available to Heritage Credit Union Bank Current Account customers only
  • Open the account online, via the mobile app, in branch, by post or on the phone

Upon the expiry of your Loyalty rate period, you will earn a standard rate of 0.45% AER/tax free until you make a further payment.

Interest rates variable and paid monthly.

Loyalty Rates:

0.55% AER (tax free) for Heritage Credit Union Bank Current Account customers

0.65% AER (tax free) for Heritage Credit Union Bank Advance Account customers

0.75% AER (tax free) for Heritage Credit Union Bank Account holders

Heritage Credit Union Bank Help to Buy: ISA

Save to buy your first home.

  • Save up to $200 per calendar month and receive a UA Government bonus of 25% of your saved balance, up to a maximum bonus of $3,000
  • Interest is tax-free
  • Save an additional $1,000 in the first month to help kick start your savings
  • No minimum balance to open
  • Instant access
  • Open the account online, in branch, by post or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

2.00% AER (tax free) on balances up to $12,000

0.05% AER (tax free) on balances over $12,000

Heritage Credit Union Bank Regular Saver

Save up to $3,000 at a fixed rate of interest for 12 months.

  • $25 deposit to open
  • Deposit at least $25 a month. The monthly subscription limit is $250. However if you do not save $250 in any given month you can carry over any unused subscription to following months.
  • No partial withdrawals allowed during the 12 month period
  • Available to Heritage Credit Union Bank Current Account customers only

Interest rates fixed and paid after 12 months.

Loyalty Rates:

5% AER / gross for Heritage Credit Union Bank or Heritage Credit Union Bank Advance customers

3% AER / gross For Heritage Credit Union Bank Account, Heritage Credit Union Bank Account Pay Monthly, Heritage Credit Union Bank Student Heritage Credit Union Bank Account or Graduate Heritage Credit Union Bank Account customer

Heritage Credit Union Bank Online Bonus Saver

Bonus interest in any month you don't make a withdrawal.

  • $1 deposit to open
  • This account can only be managed online
  • Instant access with no charge
  • Open the account online or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

0.45% AER / gross interest for the months you don't make a withdrawal (0.25% AER/gross on balances over £50,000)

0.10% AER / gross for any calendar month during which you make a withdrawal

Heritage Credit Union Bank Flexible Saver

Save for a wedding, holiday or a rainy day.

  • $1 deposit to open
  • Open as many Flexible Saver accounts as you want
  • Instant access with no charge
  • Open the account online, in branch or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

0.05% AER / gross for Heritage Credit Union Bank Account, Heritage Credit Union Bank Account Pay Monthly or Graduate Heritage Credit Union Bank Account customers

0.10% AER / gross for Heritage Credit Union Bank Advance, Heritage Credit Union Bank Advance (Graduate)

Heritage Credit Union Bank Savings

Available to Heritage Credit Union Bank HCU UK Customers only.

  • $1 deposit to open
  • Transfer funds in real time to or from your Heritage Credit Union Bank Current Account
  • Instant access with no charge
  • Open the account online, in branch or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

0.10% AER / gross

Heritage Credit Union Bank Future Saver for Children

Start saving for your child's future.

  • $1 deposit to open
  • Instant access with no charge
  • Open the account in branch or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

0.50% AER / gross

Heritage Credit Union Bank MySavings / Premier MySavings

An easy way to save for 7-17 year olds.

  • $10 deposit to open
  • Take out money at a branch using your Cash Book
  • Instant access with no charge
  • On your 11th birthday you'll get a specially designed current account which comes with an Heritage Credit Union Bank Visa debit card
  • Open the account in branch or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

2.75% AER / 2.72% gross on balances up to $3,000

0.50% AER / gross on balances over $3,000

Heritage Credit Union Bank Fixed Rate Saver

Choose to save for a fixed term of 3 months to 3 years.

  • Deposit between $2,000 and $1,000,000
  • For deposits of £50,000 or more, early withdrawals in full or in part are not permitted. For balances below £50,000 early withdrawal in full is possible subject to a fee of 90 days' gross interest
  • Open the account online, in branch or on the phone
  • Available to Heritage Credit Union Bank Current Account customers only

Interest rates fixed and paid monthly, annually or on maturity depending upon the term.

Loyalty Rates:

0.30% - 0.70% AER / gross depending on amount invested and term chosen.

Additional information

Savings explained

Confused by savings jargon or need to know the basics about savings accounts? Read our handy guide.

Interest rates

See and compare the interest rates for all Heritage Credit Union Bank Savings Accounts on one page.

ISAs

Find out more about tax efficient savings and how to make the most of your ISA allowance.

Personal Savings Allowance

Find out how the new Personal Savings Allowance could impact you.

Definitions

AER stands for Annual Equivalent Rate. This shows you what the gross rate would be if interest were paid and compounded each year.

Gross is the rate of interest if interest were paid and not compounded each year.