Bank of England (BoE) Base Rate Change: The BoE base rate decreased from 5.00% to 4.75% on 7 November 2024. Find out how this could affect your mortgage or savings account.
Bank of England (BoE) Base Rate Change: The BoE base rate decreased from 4.50% to 4.25% on 8 May 2025. Find out how this could affect your mortgage or savings account.
savings accounts
We've got a range of savings accounts to help you save money.
Types of account
Keep your savings within easy reach.
Save for a fixed term - usually for more interest.
Save, and pay no tax on the interest you earn.
As an existing member receive higher interest rates.
Build up your savings with regular deposits.
Help your child to save and learn about money.
Find your interest rate
If you already have a savings account with us, you can check your interest rate here.
Download our mobile app
Manage your savings on the go with our app.
Why choose us?
We're owned by our members, so it's all about you.
Stick with us and we'll reward your loyalty with exclusive deals.
Need a friendly face? We have over 200 branches and agencies.
We've been trusted for over 160 years.
We're part of our communities - teaching about money, supporting charities and caring for the environment.
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Branch & Agency account maturities
Find a new YBS savings account online.
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Savings help and support
Savings guides
What is a Cash ISA?
Want to know more about Cash ISAs? Find out how they work here and how much you can deposit per tax year.
What is a fixed rate bond?
Fixed rate bonds are a type of savings account that locks in a fixed interest rate over a fixed period. Learn more about how fixed rate bonds work.
What is an easy access savings account?
Easy access savings accounts offer you flexibility around withdrawing money. There may be rules about how often you can withdraw.
What is a regular savings account?
Want to know what a regular savings account is? Find out how they work and what situations they may be good for here.