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Easy Access Accounts
Our Easy Access accounts mean that you can save and still have access to your money. We offer a range of accounts that include multiple or unlimited withdrawals that are available in-branch, online and by post.
Easy Access Accounts
Account Name
Interest Rate
Opening Balance
Type of Account
Withdrawals
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Account Name
Easy Access Saver (2 Withdrawals)
Interest Rate
4.25% Gross pa/AER reducing to 4.00% Gross pa/AER with effect from 04.12.2024
Opening Balance
£500+
Type of Account
Easy Access Saver
Withdrawals
2 withdrawals per year
Our Easy Access Saver (2 Withdrawals) allows two withdrawals per year. If three or more are made, the rate will reduce to our Chorleian Instant Access account rate of interest.
Annual interest can be withdrawn (once this has been credited to the account) and will not reduce the number of withdrawals available to you.
Account Name
Easy Access Saver (3 Withdrawals)
Interest Rate
3.40% Gross pa/AER reducing to 3.10% Gross pa/AER with effect from 04.12.2024
Opening Balance
£500+
Type of Account
Easy Access Saver
Withdrawals
3 withdrawals per year
Our Easy Access Saver (3 Withdrawals) allows three withdrawals per year. If four or more are made, the rate will reduce to our Chorleian Instant Access account rate of interest.
Annual interest can be withdrawn (once this has been credited to the account) and will not reduce the number of withdrawals available to you.
Account Name
Easy Access Saver (4 Withdrawals)
Interest Rate
3.25% Gross pa/AER reducing to 2.95% Gross pa/AER with effect from 04.12.2024
Opening Balance
£500+
Type of Account
Easy Access Saver
Withdrawals
4 withdrawals per year
Our Easy Access Saver (4 Withdrawals) allows four withdrawals per year. If five or more are made, the rate will reduce to our Chorleian Instant Access account rate of interest.
Annual interest can be withdrawn (once this has been credited to the account) and will not reduce the number of withdrawals available to you.
Account Name
Easy Access Saver (6 Withdrawals)
Interest Rate
3.15% Gross pa/AER reducing to 2.85% Gross pa/AER with effect from 04.12.2024
Opening Balance
£500+
Type of Account
Easy Access Saver
Withdrawals
6 withdrawals per year
Our Easy Access Saver (6 Withdrawals) allows six withdrawals per year. If seven or more are made, the rate will reduce to our Chorleian Instant Access account rate of interest.
Annual interest can be withdrawn (once this has been credited to the account) and will not reduce the number of withdrawals available to you.
Account Name
Easy Access Saver (12 Withdrawals)
Interest Rate
2.75% Gross pa/AER reducing to 2.45% Gross pa/AER with effect from 04.12.2024
Opening Balance
£500+
Type of Account
Easy Access Saver
Withdrawals
12 withdrawals per year
Our Easy Access Saver (12 Withdrawals) allows twelve withdrawals per year. If thirteen or more are made, the rate will reduce to our Chorleian Instant Access account rate of interest.
Annual interest can be withdrawn (once this has been credited to the account) and will not reduce the number of withdrawals available to you.
Account Name
Chorleian Share
Interest Rate
2.10% Gross pa/AER reducing to 1.75% Gross pa/AER with effect from 04.12.2024
Opening Balance
£1
Type of Account
Easy Access Saver
Withdrawals
Unlimited withdrawals
Our Chorleian Share account gives you the freedom to pay in money as often as you like and allows unlimited withdrawals.
Account Name
Easy Access Affinity Account
Interest Rate
2.10% Gross pa/AER reducing to 1.75% Gross pa/AER with effect from 04.12.2024
Opening Balance
£1
Type of Account
Easy Access Saver
Withdrawals
Unlimited withdrawals
Our Easy Access Affinity Account allows unlimited withdrawals and is available for the following affinity partners: Rosemere Cancer Foundation, Age Concern Central Lancashire, North West Air Ambulance Charity, Derian House, St Catherine’s Hospice, Galloways Society for the Blind, Chorley Football Club and Age UK Lancashire.
Frequently asked questions
An Easy Access Savings Account allows you to put money in and take money out when you need it. Some Easy Access Savings Accounts offer unlimited access to your funds, others restrict the number of withdrawals you can make in a year, therefore it is important to check the individual account conditions. Because these accounts offer more flexibility (for example, typically, no notice is required for withdrawals), they generally offer lower interest rates, but they do provide a safe place to deposit funds which you think you will still need access to. Interest rates tend to be variable, which means the interest rate can go up and down.
We offer a wide range of Easy Access Savings Accounts which have been designed to help our Members reach their individual savings goals. This includes Easy Access ISAs, Easy Access Limited Withdrawal Accounts and also Affinity Accounts, which allows you to choose from a range of charities that we will donate to on your behalf. We also offer Easy Access Accounts for young people too.
Yes, you are able to open an Easy Access Account jointly, as long as it isn’t an Easy Access ISA Account. ISA Accounts can only be held in the sole name of the account holder.
Whether you need to pay tax is dependent on your own personal circumstances and may be subject to change in the future. Interest is paid gross on all our savings accounts – except ISAs where it is paid tax-free. For more information on Tax Allowances please call HMRC on 0300 200 3300 or visit https://www.gov.uk/apply-tax-free-interest-on-savings