Maximise your tax free returns with our Fixed Rate ISA to 31.01.26

Tax Free/AER
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Tax-Free is the contractual rate of interest payable where interest is exempt from income tax.
4.15%
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 access
Age restriction
Minimum or maximum age you must be to open this account.
18 years and over

Fixed until 31/01/2026 . This product may be withdrawn at any time.

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Key features

  • Minimum opening deposit: £1,000
  • Available for anyone aged 18 and over
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Account name

Fixed Rate ISA to 31 January 2026.

When you’re ready to open your account, simply download and complete an application form.

What is the interest rate?

The fixed rate below applies from 28 November 2024:

£1,000 plus – 4.15% Tax Free / AER fixed until 31 January 2026.

Interest is calculated daily and paid annually on 5 April and again on closure.

When you’re ready to open your account, simply download and complete an application form.

Can Tipton & Coseley Building Society change the interest rate?

The interest rate on your account is fixed and won't change before 31 January 2026.

When you’re ready to open your account, simply download and complete an application form.

What would the estimated balance be at the end of the fixed rate term based on a £1,000 deposit?

The balance at the end of the fixed rate term based on a deposit of £1,000 with an interest rate of 4.15% Tax Free / AER (fixed) would be £1,049.40.

This estimation is an example only and assumes:

  • the account is opened on 28 November 2024;
  • there are no additional deposits or withdrawals made;
  • interest is paid gross and added to the account on 5 April and on account closure (on 31 January 2026); and 
  • there is no change to the interest rate.

This estimation is only an example and does not take into account individual circumstances. 

When you’re ready to open your account, simply download and complete an application form.

How do I open and manage my account?

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. To view our acceptable identification, please click here.

The account is available to anyone aged 18 or over. Joint accounts cannot be opened. 

The account is only available for UK residents and your National Insurance Number will be needed at the time of account opening. 

The minimum amount to open this account is £1,000. You must have at least £1,000 in the account to keep it open. Opening balances made by electronic payment must be sent within 14 days of opening your account, or the account will automatically be closed. The maximum amount that can be held in this account is £250,000. 

You can add money to your account within 14 days from opening. After this, you cannot add money to your account until 1 February 2026. 

The ISA allowance for this tax year is £20,000, which can be split between Cash and Stocks and Shares ISAs. Please note, we do not provide Stocks and Shares at the Tipton and we do not allow transfers in from Stocks and Shares ISAs. You can only pay into one ISA per tax year with ourselves.

We can only accept the transfer in of current year subscriptions if they are transferred to us in full, you may however transfer part of previous year subscriptions.

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

When you’re ready to open your account, simply download and complete an application form.

Can I withdraw money?

No part withdrawals or part transfers out are allowed, including withdrawals of any interest. 

Closing your account or transferring your ISA to another provider in full is allowed without notice, however there will be a charge of 90 days interest. If you have not earned enough interest to pay this charge, the difference will be taken from the balance in your ISA. 

We will contact you at least 14 days before 31 January 2026, to give your options for maturity. If we don't hear back from you before 31 January 2026, we will automatically rollover your account to another cash ISA in our range, which could include another Fixed Rate ISA. If you choose any other option, this will be processed on the next working day after 31 January 2026. 

When you’re ready to open your account, simply download and complete an application form.

Additional information

Interest is paid without tax deducted. 

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

The Tipton offer a range of savings accounts on a non-advised basis. There may be another savings account which may have a higher rate of interest and/or be better suited to your personal needs. Please speak to a member of the team for other product information.

Interest rates explained:

  • Tax-Free - Interest earned on ISAs is tax free as long as the statutory conditions of the scheme are not breached. Tax treatment depends on your individual circumstances and may be subject to change in the future. We’ll notify you if, by reason of any failure to satisfy the provisions of the ISA Regulations, an ISA has, or will, become void. Any tax due on interest paid will be debited to the account on closure. Where a break between subscriptions lasts for a whole tax year you must make a new application before you can continue subscriptions. None of the rights of the account holder in respect of the ISA may be assigned or used as security for a loan. Tax assumptions are based on current legislation. The favourable tax treatment may not be maintained as it is the Government that is responsible for the tax treatment. Cash ISAs can remain open following the death of an account holder but will be closed when the deceased’s estate is finalised. An account will cease to be a Cash ISA if the account holder becomes bankrupt. Where we are instructed by the member or HM Revenue & Customs to cancel an ISA due to breaches of regulations, any interest paid will not be exempt from tax.
  • AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

This product may be withdrawn at any time.

Issue date: 28 November 2024

Please find our ISA Terms and Conditions here

When you’re ready to open your account, simply download and complete an application form.

Account name

Fixed Rate ISA to 31 January 2026 (Mobile App Account)

When you're ready to open your account, simply visit the Tipton App to find out more

What is the interest rate?

The fixed rate below applies from 28 November 2024:

£1,000 plus – 4.15% Tax Free / AER fixed until 31 January 2026.

Interest is calculated daily and paid annually on 5 April and again on closure.

When you're ready to open your account, simply visit the Tipton App to find out more.

Can Tipton & Coseley Building Society change the interest rate?

The interest rate on your account is fixed and won't change before 31 January 2026. 

When you're ready to open your account, simply visit the Tipton App to find out more.

What would the estimated balance be at the end of the fixed rate term based on a £1,000 deposit?

The balance at the end of the fixed rate term based on a deposit of £1,000 with an interest rate of 4.15% Tax Free / AER (fixed) would be £1,049.40.

This estimation is an example only and assumes:

  • the account is opened on 28 November 2024;
  • there are no additional deposits or withdrawals made;
  • interest is paid gross and added to the account on 5 April and on account closure (on 31 January 2026); and 
  • there is no change to the interest rate.

This estimation is only an example and does not take into account individual circumstances. 

When you're ready to open your account, simply visit the Tipton App to find out more.

How do I open and manage my account?

You can open the account via the Tipton App only, available in the Google Play Store and Apple Store. 

To open and operate your account with the Tipton App, you will need to choose a bank account as your nominated bank account. This means all deposits into your Fixed Rate ISA must come from this account. All withdrawals must also be sent to this nominated account.

The account is available for anyone aged 18 or over. Joint accounts cannot be opened. 

The account is only available for UK residents and your National Insurance Number will be needed at the time of account opening. 

The minimum amount to open this account is £1,000. You must have at least £1,000 in the account to keep it open. Opening balances must be made by electronic payment from your nominated bank account, and must be sent within 14 days of opening your account, or the account will automatically be closed. The maximum amount that can be held in this account is £100,000. 

You can add money to your account within 14 days from opening. After this, you cannot add money to your account until 1 February 2026. 

The ISA allowance for this tax year is £20,000, which can be split between Cash and Stocks and Shares ISAs. Please note, we do not provide Stocks and Shares ISAs at the Tipton and we do not allow transfers in from Stocks and Shares ISAs. You can only pay into one ISA per tax year with ourselves.

We can only accept the transfer in of current years subscriptions if they are transferred to us in full, you may however transfer part of previous year subscriptions.

When you're ready to open your account, simply visit the Tipton App to find out more.

To view our acceptable identification, please click here.

Can I withdraw money?

No part withdrawals or part transfers out are allowed, including withdrawals of any interest. 

Closing your account or transferring your ISA to another provider in full is allowed without notice, however there will be a charge of 90 days interest. If you have not earned enough interest to pay this charge, the difference will be taken from the balance in your ISA. 

We will contact you at least 14 days before 31 January 2026, to give your options for maturity. If we don't hear back from you before 31 January 2026, we will automatically rollover your account to another cash ISA in our range, which could include another Fixed Rate ISA. If you choose any other option, this will be processed on the next working day after 31 January 2026. 

When you're ready to open your account, simply visit the Tipton App to find out more.

Additional information

Interest is paid without tax deducted.

If you decide within 14 days of opening, that this isn't the right account 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 may have a higher rate of interest and/or be better suited to your personal needs. Please speak to a member of the team for other product information.

Interest rates explained:

  • Tax-Free - Interest earned on ISAs is tax free as long as the statutory conditions of the scheme are not breached. Tax treatment depends on your individual circumstances and may be subject to change in the future. We’ll notify you if, by reason of any failure to satisfy the provisions of the ISA Regulations, an ISA has, or will, become void. Any tax due on interest paid will be debited to the account on closure. Where a break between subscriptions lasts for a whole tax year you must make a new application before you can continue subscriptions. None of the rights of the account holder in respect of the ISA may be assigned or used as security for a loan. Tax assumptions are based on current legislation. The favourable tax treatment may not be maintained as it is the Government that is responsible for the tax treatment. Cash ISAs can remain open following the death of an account holder but will be closed when the deceased’s estate is finalised. An account will cease to be a Cash ISA if the account holder becomes bankrupt. Where we are instructed by the member or HM Revenue & Customs to cancel an ISA due to breaches of regulations, any interest paid will not be exempt from tax.
  • AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

This product may be withdrawn at any time.

Issue date: 28 November 2024

Please find our ISA Terms and Conditions here

When you're ready to open your account, simply visit the Tipton App to find out more.

Ready to apply?

How would you like to apply?

How would you like to apply?

On our app

Apply via our app

By Post

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In Branch

Apply at one of our branches

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Account Summary

Account name Fixed Rate ISA to 31.01.26
Tax Free/AER 4.15%
Notice for withdrawals no access
Age restriction 18 years and over

Things to know...

  • Minimum opening deposit: £1,000
  • Available for anyone aged 18 and over

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

Either scan the QR code below or download the app to create your new account instantly.

We can help you to...

  • Open a new account
  • Answer any of your questions
  • Discuss your savings options
  • Discuss your existing account
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.

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

If you are a new savings customer then you must sign 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