Your savings, sorted. With the 30 Day Notice Community Saver you will benefit from giving back to your community as well as creating your own nest egg. We’re proud of our roots and now is the time for us to give back to our community. The community saver means that the more you save, the more we can all give back to worthwhile charities in the local area.

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.
4.1%
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.
30 days
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This product may be withdrawn at any time.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

  • Minimum £100 opening balance
  • Cheque withdrawals only
  • Minimum £100 withdrawal
  • A maximum of three withdrawals may be made each calendar year
  • We will pay the equivalent of 0.10% of the average 30 Day Community Notice and Community Regular Saver account balances on 31st December each year to the Tipton and Coseley Charitable Foundation.
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Summary box

Account name

30 Day Community Notice Saver (Issue 2)

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

What is the interest rate?

The variable rate below applies from 19 August 2023:

  • £100 plus – 4.10% Gross / AER

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 £1,000.00 with an interest rate of 4.10% gross/AER (variable) would be £1,041.00.

This estimation is 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.

This estimation is only an example and does 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. To view our acceptable identification, please click here.

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. The maximum amount that can be held in the account per customer is £100,000.

Opening balances made by electronic payments must be sent within 14 days of opening your account, or the account will be automatically closed. 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 are limited to a maximum of three each calendar year. After your third withdrawal, no further withdrawals including closure of the account and withdrawal of any interest, will be available until the next calendar year.

You must give us 30 days' notice before any withdrawals are made, no early access is available. You can give notice to withdraw by letting us know via post, visiting one of our branches, calling us, or completing our online contact form.

Withdrawals must be made by cheque only and must be at least £100 per withdrawal. No cash withdrawals, internal transfers, 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.

As well as earning interest on your savings, you will also be helping to support the Society's Charitable Foundation. Each year, we will make a payment to our Charitable Foundation based on the average balances held in our Community Notice Saver Accounts at no cost to you.

If you decide within 14 days of opening your account that it 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 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 30 Day Community Notice Saver (Issue 2)
Gross/AER 4.1%
Notice for withdrawals 30 days
Age restriction 16 years and over

Things to know...

  • Minimum £100 opening balance
  • Cheque withdrawals only
  • Minimum £100 withdrawal
  • A maximum of three withdrawals may be made each calendar year
  • We will pay the equivalent of 0.10% of the average 30 Day Community Notice and Community Regular Saver account balances on 31st December each year to the Tipton and Coseley Charitable Foundation.

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

Here to help you...

  • Open a new account
  • Discuss the best account for you
  • Help with your existing accounts
  • Answer any of your queries
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.

Lets get started

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.

Make sure you 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 customer 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 customer 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