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SAVINGS

Fixed Rate Savings

Our latest savings accounts are designed to help you grow your money with confidence.

Earn up to 6.17% AER — whether you prefer to save regularly or invest a lump sum.

Open anytime — the sooner you start saving, the more you could earn before maturity on 31st March 2027.

Explore the options below and choose the account that works best for you.

Fixed Reward Saver

Lock in a guaranteed return on your savings.

Designed for members with a lump sum to invest, this account offers a fixed rate and the confidence of knowing exactly what your savings will earn.

Open anytime — the earlier you invest, the longer your savings can grow before maturity.

Apply for Fixed Reward Saver

Key Features

 

  • Interest Rate: 4.50% AER (Fixed)
  • Minimum Opening Deposit: £2,500
  • Additional Deposits: Minimum £2,500 per deposit
  • Maximum balance: £120,000
  • Withdrawals: Not permitted during the term
  • Interest Paid: 31st March 2027
Example Deposit
Term
Interest Rate
Interest Earned
Total at Maturity
£10,000
12 Months
4.50%
£450
£10,450
£50,000
12 Months
4.50%
£2,250
£52,250
£120,000
12 Months
4.50%
£5,400
£125,400

Smart Saver

Start small. Earn more. Make saving a habit and get rewarded for it.

With regular monthly deposits and one of our highest rates, this account helps you grow your savings steadily while building a consistent saving habit.

Save £200 per month and build your balance to £2,479.45 in 12 months.

Open anytime — the sooner you start saving, the more you could earn over the term.

Apply for Smart Saver

Key Features

 

  • 6.17% AER (Fixed) – one of our highest rates
  • Save little and often – from just £25 per month
  • Flexible monthly deposits up to £200
  • Interest paid monthly to keep your savings growing
  • One withdrawal available if needed

Compare Our Fixed Rate Savings Accounts

Features
Fixed Reward Saver
Smart Saver
Interest Rate
4.50% AER (Fixed)
6.17% AER
How You Save
Lump sum deposit
Monthly savings (£25–£200)
Minimum Deposit
£2,500
Monthly savings (£25–£200)
Maximum Balance
£120,000
£2,500
Access
No withdrawals
One withdrawal allowed
Term
Until 31st March 2027
Until 31st March 2027 or when balance reaches £2,500

Why Save With Us?

Mission-Driven Culture

Enterprise Credit Union is dedicated to making a positive impact in our communities. Join us in fulfilling our mission.

Professional Development

Grow personally and professionally with opportunities for training and advancement.

Comprehensive Benefits

We offer competitive benefits packages to support your well-being.

Extra Benefits

Free Life Savings Cover

Your savings come with added security. If the unexpected occurs, it doubles the value of your savings across all accounts up to £15,000.

Support Your Local Community

Your investment helps your community grow.

Important Information

  • You must be aged 18 or over and a member of Enterprise Credit Union
  • Interest is paid gross and may be subject to tax
  • At maturity, accounts may automatically renew unless you instruct otherwise
  • FSCS protection applies up to £120,000 per member

Ready to start saving?

Choose the account that works best for you and apply today:

Apply for Fixed Reward Saver
Apply for Smart Saver