Why choose us?
Join more than 3 million YBS members
Making your money work harder
As a building society, we’re owned by our members. We don’t have shareholders to pay. You get the financial benefits instead.
That’s why we’ve paid higher than average savings rates for the last 10 years. (CACI 2024).
It means more money in your pocket, year after year. But there is so much more to being a YBS member.
Owned by you. Trusted by you.
More reasons to choose YBS
Exclusive member deals
We reward loyalty. Stay with us for over a year and you could get even better rates on your savings and mortgages.
It’s just one way we say thank you to our members.
Help that works for you
With 200 face-to-face locations and UK-based call centres, there’s always a real person to talk to.
Prefer to manage your money online? We make it easy with our website and app.
Save on home insurance and energy
YBS members get commission-free home insurance from Uinsure. On average, our members saved over £71 on their annual premium in 2025.
Members can also claim a free home energy report from Snugg.
Your money makes a difference
As a YBS member, you're helping people into good homes and supporting communities across the UK.
Through our charitable foundation, members have helped us donate over £10m to good causes since 1999.
Your voice matters
Benefits built by you
