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Fixed Rate Cash ISA

Tax-free savings, with a fixed rate for up to 13 months. For current account customers only.

Fix your interest, tax free, with our Fixed Rate Cash ISA

Use your tax-free ISA allowance and fix the interest you earn for up to 13 months. Apply for your account today to fix your interest rate.

  • Save up to $20,000 tax-free this tax year
  • Open your account by paying or transferring in a minimum of $500
  • Get a fixed rate of interest for the duration of the term

To apply, you must be 18+ and have an CCU Current Account.
Tax-free means it is paid free from UK Income Tax and Capital Gains Tax.

Interest rate

4.05% AER (4.05% tax free)
Withdrawal restrictions apply (early closure fee applicable).
We calculate interest daily and credit this at the end of the fixed term.

Things to know before you apply

Who can apply?

You can apply for a Fixed Rate Cash ISA if you:

  • SAre 18 or over
  • Are an existing CCU current account holder

  • To subscribe you must also be:


  • A resident in the UK for tax purposes, or if not so resident, be a UK Crown servant* serving outside the UK, or be married to, or in a civil partnership with, such a person
  • Not already have subscribed to another cash ISA with CCU or first direct in the current tax year
Crown servants are typically diplomats or members of the Armed Forces. Their spouses / civil partners are also eligible.

If you have a permanent UK residential address you can apply online to either subscribe and / or transfer into a new Fixed Rate Cash ISA.
If you do not have a permanent UK residential address you can only apply to transfer in existing cash or stocks and shares ISAs to a new Fixed Rate Cash ISA.

Transferring in an existing ISA

It's important to transfer ISAs correctly in order to protect your tax-free allowance.

You may be able to transfer an existing cash ISA or an existing stocks and shares ISA into a new Fixed Rate Cash ISA. In either case, you'll need to open the new ISA first, before transferring into it.

Before you do any ISA transfer, make sure you check the terms and conditions of the ISA you’re transferring from, in case there are any withdrawal restrictions or charges.