Customer Information: We will be reducing rates on our open and closed issue variable rate savings products from Wednesday 18 February 2026 as follows:

Most personal variable savings rates will be reduced by up to 0.25%, with the Reward Instant Access Maturity 4 reducing by 0.30%.
Business variable savings rates will be reduced by up to 0.25%

Click here for more information.

We will be writing out to existing customers from Wednesday 28 January 2026 confirming these changes.

Compare our Savings accounts

Important Information: New customers must live within our operating area to open a Savings account.

Discover our full range of savings accounts

Name	Interest Rate	Features
Cumberland eSaver Instant Access	2.85% Variable Gross*/AER†	Instant access Minimum balance £1 (Available to Cumberland Plus and Freedom Apprentice Current Account customers only)	More details
Cumberland Instant Access Instant Access	2.65% Variable Gross*/AER†	Instant access Minimum balance £1	More details
Save & Support: Cumberland Blues Instant Access	2.65% Variable Gross Interest*/AER†	Annual donation to Carlisle United Up to 6 free withdrawals each year Minimum balance £1	More details
Save & Support: Cumberland Hospices Instant Access	2.65% Variable Gross Interest*/AER†	Annual donation to the hospices Up to 6 free withdrawals each year Minimum balance £1	More details
Young Savers Children's Accounts	3.05% Variable Gross Interest*/AER†	Available to customers under 16 Instant access Minimum balance £1	More details
Cumberland Instant Cash ISA ISA Tax-Free Saving	3.00% Variable Tax Free#/AER†	Instant access Minimum balance £1	More details
Cash Junior ISA ISA Tax-Free Saving	3.20% Variable Tax Free#/AER†	Available to customers under 18 Minimum balance £50	More details
1 Year Fixed Cash ISA Fixed	3.75% Fixed Tax Free*/AER†	Fixed interest until 23 February 2027 Minimum balance £1,000	More details
2 Year Fixed Cash ISA Fixed	3.65% Fixed Tax Free*/AER†	Fixed interest until 23 February 2028 Minimum balance £1,000	More details
5 Year Fixed Cash ISA Fixed	3.65% Fixed Tax Free*/AER†	Fixed interest until 23 February 2031 Minimum balance £1,000	More details
1 Year Fixed Interest Fixed Term Fixed	3.75% Fixed Gross*/AER†	Fixed interest until 23 February 2027 Minimum balance £1,000	More details
2 Year Fixed Interest Fixed Term Fixed	3.65% Fixed Gross*/AER†	Fixed interest until 23 February 2028 Minimum balance £1,000	More details
5 Year Fixed Interest Fixed Term Fixed	3.65% Fixed Gross*/AER†	Fixed interest until 23 February 2031 Minimum balance £1,000	More details
Cumberland Regular Saver Regular Saving	4.50% Gross Interest*/AER†	Instant Access Minimum balance £1 (Available to Cumberland Plus Current Account customers only)	More details
First Home Saver Regular Saving	4.00% Gross Interest*/AER†	Bonus £250 cashback with mortgage Minimum balance £100	More details
Cumberland 30 Day Notice Notice	3.05% Variable Gross*/AER†	30 days withdrawal notice required Minimum balance £1	More details
Cumberland Business eSaver Instant Access	2.65% Variable Gross*/AER†	Instant access Minimum balance £1	More details
Business 1 Year Fixed Interest Fixed Term Fixed	3.50% Fixed Gross*/AER†	Fixed interest until 23 February 2027 Minimum balance £10,000	More details
Cumberland Business 30 Day Notice Notice & Term	2.85% Variable Gross*/AER†	30 days withdrawal notice required Minimum balance £1	More details
Cumberland Business Instant Access Instant Access	2.45% Variable Gross*/AER†	Instant access Minimum balance £1	More details

*/#/† For a definition of AER, Gross and other terms please view our savings glossary.

Name	Interest Rate	Features
Cumberland eSaver Instant Access	2.85% Variable Gross*/AER†	Instant access Minimum balance £1 (Available to Cumberland Plus and Freedom Apprentice Current Account customers only)	More details
Cumberland Instant Access Instant Access	2.65% Variable Gross*/AER†	Instant access Minimum balance £1	More details
Save & Support: Cumberland Blues Instant Access	2.65% Variable Gross Interest*/AER†	Annual donation to Carlisle United Up to 6 free withdrawals each year Minimum balance £1	More details
Save & Support: Cumberland Hospices Instant Access	2.65% Variable Gross Interest*/AER†	Annual donation to the hospices Up to 6 free withdrawals each year Minimum balance £1	More details
Young Savers Children's Accounts	3.05% Variable Gross Interest*/AER†	Available to customers under 16 Instant access Minimum balance £1	More details

*/#/† For a definition of AER, Gross and other terms please view our savings glossary.

Name	Interest Rate	Features
Cumberland Instant Cash ISA ISA Tax-Free Saving	3.00% Variable Tax Free#/AER†	Instant access Minimum balance £1	More details
Cash Junior ISA ISA Tax-Free Saving	3.20% Variable Tax Free#/AER†	Available to customers under 18 Minimum balance £50	More details
1 Year Fixed Cash ISA Fixed	3.75% Fixed Tax Free*/AER†	Fixed interest until 23 February 2027 Minimum balance £1,000	More details
2 Year Fixed Cash ISA Fixed	3.65% Fixed Tax Free*/AER†	Fixed interest until 23 February 2028 Minimum balance £1,000	More details
5 Year Fixed Cash ISA Fixed	3.65% Fixed Tax Free*/AER†	Fixed interest until 23 February 2031 Minimum balance £1,000	More details

*/#/† For a definition of AER, Gross and other terms please view our savings glossary.

Name	Interest Rate	Features
1 Year Fixed Cash ISA Fixed	3.75% Fixed Tax Free*/AER†	Fixed interest until 23 February 2027 Minimum balance £1,000	More details
2 Year Fixed Cash ISA Fixed	3.65% Fixed Tax Free*/AER†	Fixed interest until 23 February 2028 Minimum balance £1,000	More details
5 Year Fixed Cash ISA Fixed	3.65% Fixed Tax Free*/AER†	Fixed interest until 23 February 2031 Minimum balance £1,000	More details
1 Year Fixed Interest Fixed Term Fixed	3.75% Fixed Gross*/AER†	Fixed interest until 23 February 2027 Minimum balance £1,000	More details
2 Year Fixed Interest Fixed Term Fixed	3.65% Fixed Gross*/AER†	Fixed interest until 23 February 2028 Minimum balance £1,000	More details
5 Year Fixed Interest Fixed Term Fixed	3.65% Fixed Gross*/AER†	Fixed interest until 23 February 2031 Minimum balance £1,000	More details

*/#/† For a definition of AER, Gross and other terms please view our savings glossary.

Name	Interest Rate	Features
Cumberland Regular Saver Regular Saving	4.50% Gross Interest*/AER†	Instant Access Minimum balance £1 (Available to Cumberland Plus Current Account customers only)	More details
First Home Saver Regular Saving	4.00% Gross Interest*/AER†	Bonus £250 cashback with mortgage Minimum balance £100	More details

*/#/† For a definition of AER, Gross and other terms please view our savings glossary.

Name	Interest Rate	Features
Cumberland 30 Day Notice Notice	3.05% Variable Gross*/AER†	30 days withdrawal notice required Minimum balance £1	More details

*/#/† For a definition of AER, Gross and other terms please view our savings glossary.

Name	Interest Rate	Features
Cash Junior ISA ISA Tax-Free Saving	3.20% Variable Tax Free#/AER†	Available to customers under 18 Minimum balance £50	More details
Young Savers Children's Accounts	3.05% Variable Gross Interest*/AER†	Available to customers under 16 Instant access Minimum balance £1	More details
Save & Support: Young Cumberland Blues Children's Accounts	3.05% Variable Gross Interest*/AER†	Available to customers under 16 Carlisle United season ticket holders or Supporters Club members Annual donation to Carlisle United Minimum balance £10	More details

*/#/† For a definition of AER, Gross and other terms please view our savings glossary.

Name	Interest Rate	Features
Cumberland Business eSaver Instant Access	2.65% Variable Gross*/AER†	Instant access Minimum balance £1	More details
Business 1 Year Fixed Interest Fixed Term Fixed	3.50% Fixed Gross*/AER†	Fixed interest until 23 February 2027 Minimum balance £10,000	More details
Cumberland Business 30 Day Notice Notice & Term	2.85% Variable Gross*/AER†	30 days withdrawal notice required Minimum balance £1	More details
Cumberland Business Instant Access Instant Access	2.45% Variable Gross*/AER†	Instant access Minimum balance £1	More details

*/#/† For a definition of AER, Gross and other terms please view our savings glossary.

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