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SAVINGS
Our flexible savings accounts offer great value for everyone.

Saving money regularly, whether it's just a little or a lot, is a good way to get better at handling your money. It helps you plan for the future and gives you something exciting to think about. Plus, if you ever need it, you'll have some money saved up for emergencies.

Flexible and easy access to your savings

Safe and ethical way to save

Competitive rates of interest

Compare Clockwise Savings Accounts

Instant AccessCash ISAGold SaverJISAPrize Saver
OverviewEasy access to your moneyTax free interest 90 Day Notice AccountSavings for a childEveryday SpendingWin up to £5000
Often Used ForGeneral SavingsLong Term SavingsSaving medium term for a specific goalPutting money away for a child's futureDay to day spending, cash withdrawals, direct debitsUnder £200 of savings
AER0.8%4.1%3.03%4.1%0%0.8%
AccessInstant Access to your money Instant Access to your money90 Day Notice to Access MoneyChild can access when they are over 18Instant Access to your moneyInstant Access to your money
Interest PaidYearlyYearlyQuarterlyYearlyN/AYearly
Yearly LimitNo limit*£20,000*No limit*£9000*No limit*£200
Who Can Apply?Clockwise Members Aged 18 or overClockwise Members Aged 18 or overClockwise Members Aged 18 or overClockwise Members Aged 18 or over - for a child under 18Clockwise Members Aged 18 or overClockwise Members Aged 18 or over
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* £85,000 maximum amount across all your Clockwise savings accounts. Learn more about safe savings

Instant Access

When you join Clockwise we open you a basic member account. This is often referred to as a ‘share account’ and is suitable for everyone and provides you a flexible and easy option to saving.

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Gold Saver

The new Gold Saver is a 90 day fixed notice account that gives you a higher rate of interest on your savings. By saving with us, you not only get a financial return, you also know your money is contributing to positive change in your local community
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Clockwise ISA

The Clockwise Cash ISA gives you 4.1% interest and helps you make the most of your tax fee allowance. Save up to £20,000 in the current tax year and/or transfer in ISA allowances from previous tax years.
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Junior ISA

A Junior ISA is a tax-free savings account that can help you save for your child’s future. You can open a Junior ISA for a child under 16 if you are aged 16 or over and have parental responsibility for them. You can put up to £9,000 into a Junior ISA this tax year.
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Young Savers

For those under 18 we offer a savings account that gives young savers the opportunity to learn to manage their own money. We encourage our young savers to set their own savings targets and friends and family can contribute to their savings as well.

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Budget Account

This account is ideal for those who struggle to budget for important bills. A budget agreement is set up and money paid into the account is allocated as agreed. Only then can any surplus amount be withdrawn or transferred to another Clockwise account or external bank account.
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Money Reinvested into the Community

Clockwise operates a Community Grant Scheme that awards local groups grants for a whole range of items that ultimately benefit the community the group and individual works to serve.

Clockwise Members
1000 +

People before Profits

Our Credit Union’s mission is to be responsible and caring, not just focused on making money. We want to show something special called the “credit union difference.” This means we will be fair, honest, and creative in how we offer financial products and services to our members

Just like high street banks and building societies, the money you hold with Clockwise is protected by the Financial Services Compensation Scheme (FSCS), up to £120,000 per person.

Clockwise’s maximum deposit limit is £85,000, so all eligible savings you can hold with us are fully covered. For joint accounts, each person is protected up to Clockwise’s maximum deposit limit.

FSCS protection is automatic and free. If your bank, building society or credit union were ever unable to return your money, the FSCS would refund you up to the £120,000 limit.

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Your Money Matters

Thank you for saving with Clockwise Credit Union! By saving with us, you not only get a financial return, you also know your money is contributing to positive change in your local community.

Here are some of the ways your money has helped the community

Clockwise Social Impact

The Social Return on Investment (SROI) approach is a technique widely used to assess the impact an organisation has on the community it serves. The survey confirmed that among our borrowing members, financial exclusion was the biggest obstacle faced

Community Grant Scheme

When you save or borrow with Clockwise your money is invested back into the community. Clockwise operates a Community Grant Scheme that awards local groups and individuals grants for a whole range of items that ultimately benefit the community the group or individual works to serve.

Supporting the Financially Excluded

Credit Unions can consider all loan applications from people in our communities, regardless of background, including those who are in receipt of benefits. A Credit Union is also a not-for-profit organisation: our focus is improving the financial wellbeing of our members and helping the local community.

Improving Financial Literacy

Clockwise produce a range of resources and guides to help improve the financial literacy of the community, and highlight key information on the ever-changing cost-of-living crisis. When we cannot offer advice, we signpost members to organisations who can help.