Mother with son


members get more


Discover the benefits of being a member of our society

As a building society we’re run differently from a bank. We don’t have shareholders to satisfy, instead we’re here for the benefit of our members. The money we earn is given back to you in interest rates or goes towards paying for the service we provide, or gets re-invested to build a stronger society for the future.

Watch the video below to find out more about the important role you and all our members play.

You're part of something bigger with YBS

What our members have to say

Don’t just take our word for why we, as a building society, offer something a little different. We asked members to share what they get from being part of the YBS community.

Mother and son


my family's future


Gillian, super saver and inspirational mum

"I’m a saver not a spender, it’s how I was brought up.

So when we were expecting twin boys, I opened an account up for them as babies and opened another account to save up. I love going into Yorkshire Building Society, they’re very friendly and supportive.

I passed on the value of saving to my sons. Now they’re saving with Yorkshire Building Society too."

Listen to Gillian’s story of how she’s passed down the habit of saving to her sons and they’re now saving with us.

Find out more

Engaged couple


I said yes


Sandeep, smart saver and excited bride-to-be

"I had no idea what Sanjeev was planning.

He proposed by a beautiful waterfall when we were coming back from our holiday in Torquay. It was really romantic.

Now I’m saving for the wedding, the house, children and the future with Yorkshire Building Society."

Listen to how Sandeep is saving for her dream wedding with us.

Find out more

FTB couple


we're finally home-


Shawn and Lauren, first home adventurers

"We get so much pride from owning our home. Once you’re a homeowner, you feel like you’ve got a foundation for life. It’s a really big step towards independence. Any mortgage savings go towards making more memories.

We found the mortgage journey very easy and Yorkshire Building Society were super helpful, everyone we spoke to was caring and guided us through the whole process."

Listen to how we helped make Shawn and Lauren’s mortgage process as simple as possible.

Find out more

Benefits for savers

Benefits for homeowners

Benefits for savers and homeowners

Award-winning savings provider

We’ve been voted Moneyfacts’ No.1 High Street Savings Provider 2021. Well, we have tried extra hard to support our savers. We’ve offered higher-than-average savings rates[i], have a wide range of savings products and launch exclusive accounts for our loyal members from time to time. Eligibility criteria applies.

View our savings accounts



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High Street Savings Provider of the Year

Making it easy to manage your savings on the go

If you register your account(s) for online access at, and then download our mobile app, your savings accounts will always be at your fingertips. No matter where you are, you’ll be able to view your balance, check transactions, make payments and move money between accounts.

Register for online access
Available on iOS and Android

Please note, you can only register the app to one device at any one time

An award-winning mortgage service

For the fourth year running we’ve been voted ‘Best Overall Mortgage Provider’ in the Moneynet Awards 2021, so you should rest easy knowing you’re in experienced hands when you come to us for free mortgage advice on YBS products.

Applications subject to standing lending criteria and all loans subject to status. Early repayment charges apply, and other fees and charges may apply.

View our mortgages
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Best Overall Mortgage Provider

5-star home insurance

Our home insurance, which is underwritten and serviced by RSA, has been awarded 5 stars by Moneyfacts in 2021 and offers an introductory discount for the first year to all new home insurance customers. Choose from buildings, contents or a combination of both, with optional extras for even more cover, if you need it.

Limitations and exclusions apply. This offer can be withdrawn at any time.

View our home insurance
Moneyfacts 2021

[i] Source: YBS Group average savings rate compared to rest of market average rates based on savings stock from CACI’s Current Account and Savings Database (CSDB). Data period Jan 2021 – June 2021.

Benefits that make a difference

We put you first

We’ve made a promise to act in your best interests through our six Savings Pledges. For instance, let us have your email address and we’ll make sure you’re one of the first to hear about new savings accounts so you never miss out on any accounts that might interest you.

Read our Savings Pledges


Your views shape your society

We don’t assume we know what you want. Instead we invite you to share your views through our online research community, My Voice, or you can come along to our member events when we’re back up and running with these. If you’re eligible, you also get to vote at our AGM on key decisions including the election and re-election for directors that run the Society on your behalf. By hearing from you first-hand we know what’s important to you and are better able to deliver exactly the products and services you need.

Read more about member involvement

We help communities thrive

We’re committed to making a real difference to the community. On top of the money the society donates, we make it possible for you to support local charities through our Small Change Big Difference® scheme. This directs the pence interest from your YBS savings or mortgage account to charity, up to a maximum donation of just 99p a year.

Read more about making a difference

We strive for a greener society

We’ve set ourselves a mission to achieve high environmental standards in all relevant business areas to support our purpose. Whether that’s maintaining our carbon neutral status, using energy more efficiently or waging a war on paper. More than that, we’re involved in raising awareness of green issues through the Yorkshire and Humber Climate Commission where we help to reduce climate risk across the region.

Read more

Award winners and an extra £40m in interest to savers

Thanks to you, our members, we’re award winners! You voted for us to be High Street Savings Provider of the Year and Best Overall Mortgage Provider 2021! As a thank you for our members’ loyalty, we’re on track to passback an estimated £40m extra in interest, on selected accounts, to savers in 2021.

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High Street Savings Provider of the Year

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Best Overall Mortgage Provider

Fairer Finance Award 21

Savings Gold Ribbon Customer Experience

Guiding you through life

As life unfolds and memories are made, we're here to support you.

Have a story to share?
We'd really like to hear from you!

We’d love to hear about how we’re supporting you to achieve those savings ambitions and homeowner goals. So, whether it’s saving for a rainy day, or renovating your pad, we want to hear your story.

If you’d like to inspire and share your story with the YBS community, please fill in the form and we will be in touch.

By entering your details, you understand that we may use your information to contact you about your story. If your story is selected, we will contact you using your chosen contact details to discuss whether you would agree to be featured in future marketing. If your story is not selected, we will delete all of your information within 6 months. We request that you do not include personal information of anyone other than yourself in your story. For further information, please see our privacy notice.