Juno's on the scent…

12 Month Term Deposit

Fixed for 1 year · Checked by hand 3 November 2026

3.75%

AER

Above inflation: CPI 3.5%, September 2026

What you'd earn

If you put in (£)

You'd earn about £750.00 in 1 year, before any tax.

Worked out from the AER. Variable rates can change.

The conditions in plain English

Access: No access for 12 months; interest paid at the end of the term.
Minimum: £5,000
Maximum: £500,000
Interest paid: When the term ends
Manage by: Online
Who can apply: Membership required: you must work in, or be retired from, an eligible UK occupation (Capital's occupational common bond covers most jobs in the UK). Lump sum of £5,000 to £500,000; limited availability.
Where we read it: Capital 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. Capital Credit Union's own page has the full terms and conditions.

Who holds your money

Deposit-taker: Capital Credit Union, a trading name of Capital Credit Union Limited
Incorporated in: United Kingdom
Regulated: Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 213575)
Protection and disputes: Financial Services Compensation Scheme and Financial Ombudsman Service
Capital: Capital and reserves of £5m at 30 September 2025 (latest published accounts).

FSCS protection

Up to £120,000 per person is protected across everything you hold with Capital 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 Capital Credit Union to apply

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