Our Instant Access Savings Account is designed for our members to set money aside for a rainy day, with instant access to their savings


Members can transfer a lump sum of money from their Regular Savings Account or set up a regular payment by splitting their payroll deduction or direct debit between their Regular Savings Account and Instant Access Savings Account.

  • Access to funds 24/7
  • No penalty for withdrawals
  • Savings protected under the FSCS scheme
  • Free Life Savings and Loan Protection scheme
  • The Instant Access Savings Accounts allows easy access to your funds
  • Free Life Savings and Loan Protection Scheme (terms and conditions apply)
  • All funds protected by the FSCS scheme
  • No penalty for withdrawals
  • Access your account details at any time
  • Maximum deposit of £85,000
  • Potential annual dividend on savings
  • Available to Family Members

The Instant Access Savings Account offers members an easy access savings account. Funds in this account are available for withdrawal, regardless of any borrowings the member may have with the credit union.


There is no penalty for making withdrawals, and there is a potential dividend paid annually on savings.


Bereavement Protection


All accounts benefit from our Free Life Savings and Loan Protection Scheme*


Life Savings Protection is designed to reward your family for your commitment to saving, and provide them with financial support when they most need it. Life Savings Protection is a free safeguard offered by the NHS Credit Union as a benefit to its members. The credit union owns this policy on behalf of members. In the event of your death, it may provide your family with a single lump sum payment which can help them to cover funeral and other expenses.


The scheme is directly linked to savings, and every £1 in savings can be matched by £1 of benefit – up to a maximum of £5,000.


Members aged 16-64 can qualify for 100% of savings to be repaid as a benefit (Maximum £5,000). Members aged 65-79 can qualify for 25% of savings to be repaid as a benefit (Maximum £5,000).


*Terms and conditions apply. These are subject to change, and are available on request.


Financial Services Compensation Scheme


All accounts benefit from our participation in the Financial Services Compensation Scheme (FSCS).


The FSCS can pay compensation to depositors if a credit union is unable to meet its financial obligations. Most depositors – including most individuals and small businesses – are covered by the scheme.


For further information about the scheme (including the amounts covered and eligibility to claim) please call us on 0141 445 0022 or ask at your local branch, refer to the FSCS website or call 0800 678 1100 or 020 7741 4100.

Find your ideal savings account

Regular Savings Account

Regular Savings Account

Our basic savings account available to all members


Junior Savings Account

Junior Savings Account

The account for junior savers


Christmas Savings Account

Christmas Savings Account

Put money aside for that special day


Member of ABCUL

Authorised and Regulated by

Founder member of CFCFE

Your money is protected up to £85,000

Member of GCofC

Member of SBRC