Bank of England (BoE) Base Rate Change: The BoE base rate decreased from 4.25% to 4.00% on 7 August 2025. 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.
4.20%
Triple Access eSaver
Save from £1. Add money whenever you like and leave it to grow for a year. Take money out on any 3 days. Interest is paid once.
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.
Higher rates for less access to your money
Build up your savings with regular deposits.
Help your child to save and learn about money.
Higher rates to reward your loyalty
Been a savings or mortgage member for over a year? You could get a higher interest rate with our loyalty savings accounts. It's our way of saying thanks for staying with us.
Download our app
Fast, secure login with your face or fingerprint.
Manage your savings and view your mortgage on the go.
Open new savings accounts anytime, anywhere.
Find your interest rate
If you already have a savings account with us, you can check your interest rate here.
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.
Featured
Branch & Agency account maturities
Find a new YBS savings account online.
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Sign up for emails about our new savings accounts.
Savings guides
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.
Savings guides
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.
Savings guides
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.
Savings guides
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.
Tax-free means that interest is not subject to income tax.
Gross interest means we do not take off income tax.
Annual Equivalent Rate (AER) helps you compare between accounts. It’s the rate of interest if it was paid and added each year.
The interest rate is variable and can go up or down.
Gross interest means we do not take off income tax.
Annual Equivalent Rate (AER) helps you compare between accounts. It’s the rate of interest if it was paid and added each year.
The interest rate is variable and can go up or down.