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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

Instant Access

When you join Clockwise, we open a basic member account for you. This is often referred to as a share account and provides a flexible and straightforward way to save.

Suitable for everyday saving with easy access to your money.
Learn More & Apply

Gold Saver

Gold Saver is a 90-day notice account offering a higher rate of interest on your savings. By saving with Clockwise, your money also helps support positive change in your local community.

A notice savings account for money you do not need immediately.
Learn More & Apply

Clockwise ISA

The Clockwise Cash ISA helps you make the most of your tax-free savings allowance. You can save up to £20,000 in the current tax year and transfer ISA allowances from previous tax years.

Save tax-free using some or all of your annual ISA allowance.
Learn More & Apply

Junior ISA

A Junior ISA is a tax-free savings account that can help you save for your child’s future. You can open one for an eligible child under 16, or from age 16 if you have parental responsibility.

Build tax-free savings that your child can access when they turn 18.
Learn More & Apply

Young Savers

Our Young Savers account gives people under 18 the opportunity to learn how to manage their money and develop positive saving habits. Friends and family can also contribute to their savings.

Encourage young people to set goals and build good money habits.
Learn More & Apply

Budget Account

This account can help you budget for important household bills. Money is paid into the account under an agreed budget arrangement, with only the agreed amount available to withdraw or transfer.

Keep money for essential bills separate from everyday spending.
Learn More & Apply

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
AER0.5%3.1%3.03%3.1%0%0.5%
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
More Info & Apply

* £85,000 maximum amount across all your Clockwise savings accounts. Learn more about safe savings

Money Reinvested into the Community

Clockwise operates a Community Grant Scheme that awards local groups grants for a range of items that benefit the communities and individuals they serve.

View Community Grants
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Clockwise Members

Join thousands of members saving, borrowing and supporting a community-focused credit union.

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People Before Profits

Our mission is to be responsible and caring, rather than focused only on making money. We aim to be fair, honest and creative in how we provide financial products and services to our members.

Our Vision & Mission

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.

Read More

Your Money Matters

Thank you for saving with Clockwise Credit Union. By saving with us, you not only receive 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, or SROI, approach is widely used to assess the impact an organisation has on the community it serves. Our survey confirmed that financial exclusion was the biggest obstacle faced by many of our borrowing members.

View Our Social Impact

Community Grant Scheme

When you save or borrow with Clockwise, your money is invested back into the community. Our Community Grant Scheme awards grants to local groups and individuals for items and projects that benefit the communities they serve.

View Community Grants

Supporting the Financially Excluded

Credit unions can consider loan applications from people across our communities, regardless of background, including those receiving benefits. As a not-for-profit organisation, our focus is improving members’ financial wellbeing and supporting the local community.

View Personal Loans

Improving Financial Literacy

Clockwise produces resources and guides to improve financial literacy and explain important topics such as the changing cost of living. When we cannot offer advice directly, we signpost members to trusted organisations that can help.

View Financial Wellbeing Guides