A flexible and convenient savings account without withdrawal restrictions, giving you the reassurance your money is available should you need it (subject to daily withdrawal limits).

Gross/AER
Gross means the contractual rate of interest payable. AER stands for the annual equivalent rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
2.9% - 3% see rates
£100 - £24,999.99: 2.9% / 2.9%
£25,000+: 3% / 3%
Notice for withdrawals
Some of our accounts require you to give notice before you can withdraw money from your account. Further details on the withdrawal restrictions that apply to the account can be found in the section titled - 'Can I withdraw money?' - in the Summary box.
no notice
Age restriction
Minimum or maximum age you must be to open this account.
16 years and over

This product may be withdrawn at any time.

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Key features

  • No notice needed for withdrawals
  • Minimum operating balance: £100
  • Joint accounts can be opened

Summary box

Account name

Easy Access (Issue 2)

If you're ready to open an account you can download and complete an application form.

What is the interest rate?

The tiered variable rates below apply from 19 August 2023.

  • £100 - £24,999.99 - 2.90% Gross / AER
  • £25,000 plus - 3.00% Gross / AER

Interest is paid at the same rate on the whole balance of the account. Interest is calculated daily and paid annually on 31 December.

If you're ready to open an account you can download and complete an application form.

Can Tipton & Coseley Building Society change the interest rate?

We may increase or decrease the interest rate at any time. Further details of when we do this and how we will let you know, can be found in our Terms and Conditions for savings accounts available on our website, in branch or in your welcome pack.

If you're ready to open an account you can download and complete an application form.

What would the estimated balance be after 12 months based on a £1,000 deposit?

The balance after 12 months on an initial deposit of £1,000 with an interest rate of 2.90% gross / AER (variable) would be £1,029.00.

The balance after 12 months on an initial deposit of £25,000 with an interest rate of 3.00% gross / AER (variable) would be £25,750.00.

These estimations are an example only and assumes:

  • There are no additional deposits or withdrawals made;
  • Interest is paid gross and added to the account on 31 December; and
  • There is no change to the interest rate.

These estimations are only examples and do not take into account any individual circumstances.

If you're ready to open an account you can download and complete an application form.

How do I open and manage my account?

The account is available for anyone aged 16 or over.

You can open an account at any of our branches without an appointment, or through the post by sending us a completed application form with a cheque payable to yourself for your initial deposit. Application forms can be posted to you on request, collected in branch, or printed from our website.

Joint accounts can be opened. Only one account can be opened per customer.

The minimum amount to open this account is £100. You must have at least £100 in the account to keep it open. Withdrawals taking the balance below £100 will only be allowed when you are closing your account. Opening balances made by electronic payment must be sent within 14 days of opening your account, or the account will be automatically closed. The maximum amount that can be held is £100,000 per account.

You can add money to your account at any of our branches by cash or cheque, through the post by cheque or by standing order.

You can view your balance and recent transactions on the Tipton App, available in the Google Play Store and Apple Store.

If you're ready to open an account you can download and complete an application form.

Can I withdraw money?

Withdrawals can be made by cash, cheque or internal transfer without notice or charge. Withdrawals taking your balance below £25,000 will result in a lower rate of interest, as detailed in the ‘What is the interest rate?’ section above.

No electronic transfers, direct debits, faster payments or standing order withdrawals are available.

If you're ready to open an account you can download and complete an application form.

Additional information

Interest is paid without tax deducted.

If you decide within 14 days of opening, that the account you’ve chosen isn’t right for you, you can have your money back without charge. We'll arrange to close the account and return your money to you, or transfer it to another one of our savings accounts.

The Tipton offer a range of savings accounts on a non-advised basis. There may be another savings account which is more suited to your personal needs. Please, speak to a member of the team for other product information.

Interest rates explained:

  • Gross means the contractual rate of interest payable.
  • AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Issued date: 19 August 2023.

If you're ready to open an account you can download and complete an application form.

Ready to apply?

How would you like to apply?

How would you like to apply?

By Post

Apply by post

In Branch

Apply at one of our branches

Find a branch

Open account by post

Open account on our app

Open account online

Account Summary

Account name Easy Access (Issue 2)
Gross/AER 2.9% - 3%
Notice for withdrawals no notice
Age restriction 16 years and over

Things to know...

  • No notice needed for withdrawals
  • Minimum operating balance: £100
  • Joint accounts can be opened

How to apply

You must print off the following document and post it to our head office:

Tipton & Coseley Building Society,
70 Owen Street,
Tipton,
West Midlands,
DY4 8HG

Download application form

We can help you with...

  • Opening a new account
  • Answering any questions
  • Discussing your options
  • Your existing accounts
Gayle, from our savings team is happy to help 0121 557 2551*
Our lines are open:
Monday - Tuesday09:00 - 17:00
Wednesday09:30 - 17:00
Thursday - Friday09:00 - 17:00
Saturday09:00 - 12:00
SundayClosed
*Calls from landlines are charged at the standard rate. Calls from mobiles may vary.

It's simple and easy

If you're ready to open an account you can download and complete an application form.

Please post your completed form to The Tipton & Coseley Building Society, 70 Owen Street, Tipton, West Midlands, DY4 8HG, and remember to include a cheque payable to yourself.

Alternatively, you can open an account at any of our branches.

Please also read our Terms and Conditions for Savings Accounts leaflet and the Financial Services Compensation Scheme sheet.

All new savings customers must sign any future windfall rights to our Charitable Foundation.


Our savings customers say...

"Whenever I visit Tipton & Coseley I'm dealt with quickly, on a one to one basis making each visit convenient and ideal." Mrs Cooke
Savings customer read more

Our savings customers say...

"The staff are really friendly and welcoming and always ask how I am, I feel like I can have a chat with them." Mrs Thomson
Savings customer read more