Savings Account | Shires Alliance Credit

Shires Alliance Credit Union Loyalty Cash ISA

Flexible tax-free savings.

Receive a Loyalty rate for 12 months from the date of each payment into your ISA
$1 deposit to open
Instant access
Available to Shires Alliance Credit Union Current Account customers only
Open the account online, via the mobile app, in branch, by post or on the phone

Upon the expiry of your Loyalty rate period, you will earn a standard rate of 0.45% AER/tax free until you make a further payment.

Interest rates variable and paid monthly.

Loyalty Rates:

0.55% AER (tax free) for Shires Alliance Credit Union Current Account customers

0.65% AER (tax free) for Shires Alliance Credit Union Advance Account customers

0.75% AER (tax free) for Shires Alliance Credit Union Account holders

Shires Alliance Credit Union Help to Buy: ISA

Save to buy your first home.

Save up to $200 per calendar month and receive a Government bonus of 25% of your saved balance, up to a maximum bonus of $3,000
Interest is tax-free
Save an additional $1,000 in the first month to help kick start your savings
No minimum balance to open
Instant access
Open the account online, in branch, by post or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

2.00% AER (tax free) on balances up to $12,000

0.05% AER (tax free) on balances over $12,000

Shires Alliance Credit Union Regular Saver

Save up to $3,000 at a fixed rate of interest for 12 months.

$25 deposit to open
Deposit at least $25 a month. The monthly subscription limit is $250. However if you do not save $250 in any given month you can carry over any unused subscription to following months.
No partial withdrawals allowed during the 12 month period
Available to Shires Alliance Credit Union Current Account customers only

Interest rates fixed and paid after 12 months.

Loyalty Rates:

5% AER / gross for Shires Alliance Credit Union or Shires Alliance Credit Union Advance customers

3% AER / gross For Shires Alliance Credit Union Account, Shires Alliance Credit Union Account Pay Monthly, Shires Alliance Credit Union Student Shires Alliance Credit Union Account or Graduate Shires Alliance Credit Union Account customer

Shires Alliance Credit Union Online Bonus Saver

Bonus interest in any month you don't make a withdrawal.

$1 deposit to open
This account can only be managed online
Instant access with no charge
Open the account online or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

0.45% AER / gross interest for the months you don't make a withdrawal (0.25% AER/gross on balances over $50,000)

0.10% AER / gross for any calendar month during which you make a withdrawal

Shires Alliance Credit Union Flexible Saver

Save for a wedding, holiday or a rainy day.

$1 deposit to open
Open as many Flexible Saver accounts as you want
Instant access with no charge
Open the account online, in branch or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

0.05% AER / gross for Shires Alliance Credit Union Account, Shires Alliance Credit Union Account Pay Monthly or Graduate Shires Alliance Credit Union Account customers

0.10% AER / gross for Shires Alliance Credit Union Advance, Shires Alliance Credit Union Advance (Graduate)

Shires Alliance Credit Union Savings

Available to Shires Alliance Credit Union customers only.

$1 deposit to open
Transfer funds in real time to or from your Shires Alliance Credit Union Current Account
Instant access with no charge
Open the account online, in branch or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

0.10% AER / gross

Shires Alliance Credit Union Future Saver for Children

Start saving for your child's future.

$1 deposit to open
Instant access with no charge
Open the account in branch or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

0.50% AER / gross

Shires Alliance Credit Union MySavings / MySavings

An easy way to save for 7-17 year olds.

$10 deposit to open
Take out money at a branch using your Cash Book
Instant access with no charge
On your 11th birthday you'll get a specially designed current account which comes with an Shires Alliance Credit Union Visa debit card
Open the account in branch or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

2.75% AER / 2.72% gross on balances up to $3,000

0.50% AER / gross on balances over $3,000

Shires Alliance Credit Union Fixed Rate Saver

Choose to save for a fixed term of 3 months to 3 years.

Deposit between $2,000 and $1,000,000
For deposits of $50,000 or more, early withdrawals in full or in part are not permitted. For balances below $50,000 early withdrawal in full is possible subject to a fee of 90 days' gross interest
Open the account online, in branch or on the phone
Available to Shires Alliance Credit Union Current Account customers only

Interest rates fixed and paid monthly, annually or on maturity depending upon the term.

Loyalty Rates:

0.30% - 0.70% AER / gross depending on amount invested and term chosen.