Member Exclusive 45 Day Account

Full details regarding the Member Exclusive 45 Day Account are provided below.

Account name
Member Exclusive 45 Day Account
Minimum amount to open the account
Maximum investment
Investment conditions
Withdrawal conditions

You can give us 45 days’ notice to withdraw money without losing interest. If you make an immediate withdrawal or you do not give us the full 45 days’ notice, you will lose 45 days’ interest on the money you withdraw.

Interest payment

This account pays a variable rate of interest. This means we may increase or decrease the rate of interest from time to time subject to market conditions. For more information about the circumstances in which we can make a change to your rate, please see section ‘Interest on Savings Accounts’ in our General Terms and Conditions for Savings and Investment Accounts (06/14). You can also find out about how we will inform you of any changes we make in this section.


To qualify to open this account you must have held an account with us for a minimum of three consecutive years up to the date the account is opened. Proof may need to be provided.

You must be UK resident and 18 or over (unless you are transferring from our Loyalty Account).


Current interest rates

Amount Gross * Gross AER #
£1+ 1.25% 1.25%

This summary box will help you understand the account's Terms and Conditions.

Summary Box Start an application

Want to speak to a friendly staff member?

Sometimes it's easier to discuss things face-to-face. All our branches have staff ready and waiting to talk. If you’d like to discuss your options or you think you need help, call in at your local branch.

Branch finder

Alternatively call our enquiries line between:

9am and 5pm Monday to Friday (9:30am and 5pm Tuesday) or
9am and 12pm on Saturday

Our staff will be more than happy to help with any questions or queries

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a building society is unable to meet its financial obligations. Most depositors – including most individuals and small businesses – are covered by the scheme.

Please make sure that you have read and fully understand the summary box before you decide to open this account.

If you need any further information please telephone 01325 366366, email or contact your local branch.

You should also read our general terms and conditions which you can download to the left of this page and which also form part of the terms and conditions of this account.

We are part of the Financial Services Compensation Scheme.

* - The gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law. Due to changes to the Personal Savings Allowance, from the 6 April 2016 all interest is paid gross. This is based on the current law and treatment of tax by HMRC which may be subject to change.

# - A.E.R. stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added once each year.