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19 Jan 2026

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Fixed Cash ISA

Key Features

Verified Interest rate 4% AER for new subscriptions for the year. This rate is fixed for the full term of the account.

Verified Interest rate 2.5% AER for the previous year's ISA that you wish to transfer in.

Verified Open the account with as little as £50.

Verified New money only – funds should not be currently held with 1st Class Credit Union.

Verified Maximum Tax-free saving allowance for the year 2026-2027 is £20,000.

Verified This is a fixed-term account, so withdrawals are not permitted before maturity. Any withdrawals will result in the closure of your Fixed Term Cash ISA and the non-payment of interest on the funds.

Verified Your eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000.

Things to Note

You must be a member of 1st Class Credit Union to apply. Not a member yet? Join here.

Have questions? Our team is here to help! Email us at reception@1stclasscu.co.uk.

Start your journey to better savings today. Apply below or log in to our Member's Area to get started.

Terms and Conditions

Fixed Cash ISA Terms and Conditions

Please view the Fixed Cash ISA Terms and Conditions here.

Fixed Cash ISA Summary Table

Please view the Fixed Cash ISA Summary Table here.

Personal Details

Personal Details


You can find your NI number:
• online in your HMRC account or App
• in any document you already have, for example, a payslip, P45 or P60
• at www.gov.uk/find-national-insurance-number

Please note that this will increase your weekly/monthly contributions.

If yes, you will be required to complete an ISA Transfer Form - this will be sent to you separately.

Personal Details

Declaration

I declare that:
• all subscriptions made, and to be made, belong to me
• I am 18 years of age or over
• I have not subscribed, and will not subscribe, to more than the overall ISA subscription limit total in the same tax year

• I am resident in the United Kingdom (UK) for tax purposes: — or if not resident, either perform duties which, by virtue of section 28 of Income Tax (Earnings and Pensions) Act 2003 (Crown employees serving overseas), are treated as being performed in the UK — or I am married to, or in a civil partnership with, a person who performs such duties

• I will inform the ISA account manager if I cease to be resident or to perform such duties or be married to, or in a civil partnership with, a person who performs such duties • I agree to the ISA terms and conditions

I authorise the ISA account manager to hold my cash subscription and ISA investments, in respect of the interest, dividends and any other rights or proceeds and to claim any relief from tax on my behalf.

I declare that this application form has been completed to the best of my knowledge and belief.

Personal Details