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.

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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.

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.

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.

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.



Benefits for savers

Choose from our range of savings accounts. We offer Fixed Rate Bonds, Cash ISAs, Easy Access, Regular Savers and Children Accounts.
Exclusive savings accounts for you from time to time.

Eligibility criteria applies.
Branches and agencies nationwide, where our helpful and friendly colleagues can discuss your circumstances face to face with you.
Manage your savings on the go with our mobile app. Wherever you are you can view your balance, check transactions, make payments and move money between accounts.
Your Yorkshire Building Society savings help other Yorkshire Building Society members to buy their homes – we take the interest borrowers pay and give some of that back to you.
We won't offer new customer only products. So, if a product is available to a new customer, you can choose it too.

Subject to eligibility criteria.

Benefits for homeowners

Free mortgage advice on Yorkshire Building Society mortgages over the phone. Or, you can see our range of mortgages online. Please note when applying online, you won't receive any advice.

Applications subject to standard lending criteria and all loans subject to status.
Home insurance, which is underwritten and serviced by RSA, has been awarded 5 stars by Moneyfacts in 2022.

Limitations and exclusions apply.
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A range of mortgages, some with cashback, free standard valuations and assisted legal fees.

Early repayment charges apply, and other fees and charges may apply.

Fix your mortgage for various terms up to 15 years*.

*The fixed terms we offer can vary from time to time depending on which products are on sale.

When its time to switch your mortgage, you can do this online or over the phone.

We're award winners!

We've been awarded Best Building Society in the Savings Champion 2022 awards and achieved gold ribbon status for customer experience in the Fairer Finance 2021 awards

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Savings champion 2022 awards winner

   Best Building Society     

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Savings Gold Ribbon Customer Experience

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Mortgages Gold Ribbon Customer Experience

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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.

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.

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.

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 continuing to reduce our carbon footprint, waging a war on paper or using energy more efficiently. 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.


Guiding you through life

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

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Passing down financial wisdom

Whether they’re starting to earn pocket money or striding out into the adult world, we have invaluable knowledge to share with the younger generation to help them become financially smart. You'll find lots of tips in this practical guide.

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Helping you get your money in shape

It’s easy to let good financial habits slip, so get things back on track by giving yourself a money MOT. Read our straightforward online guidance which looks at ways you might be able to improve your finances.

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Making retirement planning simpler

We saw how retirement planning information was overly complex and full of jargon. So we’ve committed to providing straight-talking, impartial guidance to help you feel confident making decisions about your financial future.