Save smart, save easy. Secure
your future.
Choose savings accounts that work for you. Build your future with flexible savings options designed to help your money grow.

Our savings accounts
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Regular savings account
- Start small, save big: Save with a minimum of just £10 per month.
- Watch your money grow: Earn an annual dividend based on our financial performance, helping your savings grow steadily.
- Access anytime: Enjoy easy access to your funds whenever you need them.
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Saver plus
- Boost your savings: Earn 5% interest (variable) on monthly deposits up to £250, helping you grow your savings faster.
- Maximise your returns: Ideal for regular savers who can leave funds untouched until the account matures.
- Keep growing: Alongside Saver Plus, save at least £10 per month into your Regular Savings account. See full Tcs & Cs.
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Special savings pots
- Sort your savings: Set up dedicated pots for short-term or long-term goals, keeping your savings organised and focused.
- Watch your savings grow: Pots help you monitor your progress and see exactly how close you are to reaching your target.
- Stay motivated: Perfect for keeping you on track and motivated to reach your financial goals.

Managing your savings is easy and convenient.
With The Money Co-op, managing your savings is simple. Use our app or online portal to check your balance, make deposits, and withdraw. You stay in control while your savings grow effortlessly.
Savings pots
Create dedicated savings pots for specific goals, such as holidays, home improvements, or rainy days. These pots help you stay focused and organized, so you can track progress toward your financial goals.
Savings FAQs
You can open a savings account once you become a member. Simply complete the membership form and choose your savings option.
Yes, a minimum monthly contribution of £10 is required to maintain your savings account and membership with us.
Yes, you can access your savings anytime, except when they are tied to a loan as security.
You can easily make changes to your savings for example increase or decrease the amount you save, or withdraw from your savings via our members app or online portal.

How to apply
Applying to save is built into our joining process. Complete the joining form online and choose your savings amount from £10 per month. It’s free to join, and there are no hidden fees.
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Good to know
Funds held in all your credit union accounts combined are protected under the Financial Services Compensation Scheme up to £85,000. Visit fscs.org.uk for full details.
Testimonials
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“Brilliant! Would highly recommend- always so helpful when needed and great for saving!”
Sophie
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“Saving a small amount each month gives me peace of mind that l’ve got a rainy day fund for emergencies”
Rak
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“Really helps me to save as the money comes straight from my wages, so I don’t even miss it!”
Tony
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