Fixed Cash ISA 2026-2027

Fixed for 1 year · Cash ISA · Checked by hand 3 November 2026

4.00%

AER

Above inflation: CPI 3.5%, September 2026

What you'd earn

If you put in (£)

You'd earn about £800.00 in 1 year, before any tax.

Worked out from the AER. Variable rates can change.

The conditions in plain English

Access: No withdrawals before maturity; a withdrawal closes the ISA and no interest is paid.
Minimum: £50
Maximum: £20,000
Interest paid: When the term ends
Manage by: Online
Who can apply: Membership required: you must be a member of CWU, PCS, UNISON, Unite, PFA or PFA Scotland, or work for an employer where CWU or PCS represents staff (family at the same address can also join). Members must save at least £4 a week or £16 a month into Regular Savings. New money only; £50 to £20,000 of 2026-27 subscriptions. ISA transfers in earn 2.5% AER.
Where we read it: 1st Class Credit Union's own page, 3 November 2026. We read this rate from the bank's own page by hand and recheck it at least weekly

Full details

Juno hasn't read a Summary Box for this account yet. 1st Class Credit Union's own page has the full terms and conditions.

Who holds your money

Deposit-taker: 1st Class Credit Union, a trading name of 1st Class Credit Union Limited
Incorporated in: United Kingdom
Regulated: Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 213700)
Protection and disputes: Financial Services Compensation Scheme and Financial Ombudsman Service
Capital: Capital and reserves of £1.98m at 30 September 2025 (latest published accounts).

FSCS protection

Up to £120,000 per person is protected across everything you hold with 1st Class Credit Union Limited.

Check your total protection

Rate history

Juno started tracking this rate on 2026-11-03. A history builds up from here.

Don't miss the end date

The term ends after 1 year. Add a reminder two weeks before. It goes straight into your calendar; we keep nothing.

Go to 1st Class Credit Union to apply

You'll apply on 1st Class Credit Union's own website. 1st Class Credit Union may pay us if you open this account; that doesn't affect its position in our results.