Great Western Credit Union savings rates

Warning: negative reserves. Great Western Credit Union's latest published accounts show negative capital and reserves: it owed more than it owned. Capital and reserves of -£3.3m (negative) at 30 September 2025 (latest published accounts). Savings are still protected by the FSCS up to £120,000 per person, so think about keeping your balance within that limit.

3 accounts listed. The highest rate is 4.85% AER on the Fixed Rate Saver (18 months) (fixed for 18 months).

FSCS protection: up to £120,000 per person across everything you hold with Great Western Credit Union Ltd.

Easy access

Account	AER	Access	Min to open
Cash ISAISA	3.25%	Easy access	£1

Fixed term

Account	AER	Access	Min to open
Fixed Rate Saver (18 months)Beats inflation	4.85%	Fixed for 18 months	£1,000
Fixed Rate Saver (9 months)Beats inflation	4.60%	Fixed for 9 months	£1,000

Compare Great Western Credit Union with every other bank

Who holds the money

Deposit-taker: Great Western Credit Union, a trading name of Great Western Credit Union Ltd
Incorporated in: United Kingdom
Regulated: Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 213583)
Protection and disputes: Financial Services Compensation Scheme and Financial Ombudsman Service
Capital: Capital and reserves of -£3.3m (negative) at 30 September 2025 (latest published accounts).
Website: greatwesterncu.org. Every "Go to bank" link we show for Great Western Credit Union leads only to this domain.

This page lists every Great Western Credit Union account Juno has checked on the bank's own website, highest rate first. Rates can change at any time: check with the bank before you apply. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank and how we're paid.