Business savings accounts
Save with our Fixed Term, Notice or Instant Access accounts and help change the lives of people in local communities.
Business savings for every goal
Putting money aside today can help your organisation achieve more tomorrow. Our business savings accounts are designed to help you manage surplus funds, build financial resilience and plan with confidence.
Business Savings Accounts
Every organisation’s savings goal are different. Explore the options below to find the right balance of access, flexibility and returns for your organisation.
Our Fixed Term Deposit Accounts let you earn a fixed rate of interest by locking away surplus funds for an agreed term.
This account could be relevant if:
- You’re happy to leave your money untouched for a fixed period and receive interest at maturity.
- You want to save a lump sum of £85K or more rather than making regular deposits.
- You want certainty of the interest you will earn on your savings.
Our Notice Accounts enable you to balance access and returns with an account that lets you withdraw funds after giving notice.
This account could be relevant if:
- You can plan ahead before accessing your savings.
- You want to earn more interest than an instant access account.
- You need a balance between flexibility and stronger returns.
Our Instant Access Savings Accounts keep your savings within easy reach, with day to day flexibility and access whenever you need it.
This account could be relevant if:
- You need access to your savings at short notice.
- You want to keep surplus funds readily available.
- You’d like to earn interest without locking your money away.
No account fees
Fixed or variable rates
Reinvested in UK projects
Ethical Banking
Secure 24/7 Online Banking
Compare our Fixed Term Deposit Accounts
| Account | Term | Gross Rate* | Annual Rate Equivalent (AER)* | Interest type | Minimum deposit | Maximum deposit | Access to funds | Apply |
|---|---|---|---|---|---|---|---|---|
|
30 Day Fixed Term Account |
30 days |
2.25% |
2.25% |
Fixed |
£85,000 |
None |
None |
|
|
90 Day Term Deposit Account: deposits up to £10m |
90 days |
2.35% |
2.35% |
Fixed |
£85,000 |
£10m |
None |
|
|
90 Day Term Deposit Account: deposits over £10m |
90 days |
2.45% |
2.45% |
Fixed |
£10m |
None |
None |
|
|
6 Month Fixed Term Account |
6 months |
4.15% |
4.15% |
Fixed |
£85,000 |
£20m |
None |
|
|
12 Month Fixed Term Account |
12 months |
4.20% |
4.20% |
Fixed |
£85,000 |
£20m |
None |
|
*Interest rates as at 05/05/2026.
Compare our Notice Accounts
| Account | Gross Rate* | Annual Rate Equivalent (AER)* | Interest type | Minimum deposit | Maximum deposit | Access to funds | Apply |
|---|---|---|---|---|---|---|---|
|
32 Day Notice Account |
2.70% |
2.73% |
Variable |
£0 |
None |
32 days |
|
|
95 Day Notice Account |
2.90% |
2.93% |
Variable |
£0 |
None |
95 days |
|
*Interest rates as at 05/05/2026.
Our Instant Access Savings Account
| Account | Gross Rate* | Annual Rate Equivalent (AER)* | Interest type | Minimum deposit | Maximum deposit | Access to funds | Apply |
|---|---|---|---|---|---|---|---|
|
Instant Access Savings Account |
1.95% |
1.96% |
Variable |
None |
None |
Instant |
|
Before you apply
Take a moment to read our General Terms and Conditions and Standard Service Tariff for your chosen savings account.
You will need to have either a Unity Business Current Account or Instant Access Savings Account to open a Fixed Term Deposit or Notice Account.
Our savings accounts are designed to help you grow and manage your organisations funds and are not intended for day-to-day transactional banking. This means you cannot use them to make payments or withdraw funds through Online Banking.
In exceptional circumstances, if you wish to make a payment or withdraw funds you will need to request a transfer to an internal or external account, for which there may be a fee or loss of interest.
Apply now
Apply online today or call 03451 559 933* to speak to one of our friendly customer service team.
*Opening hours are 9am to 5pm, Monday to Friday, excluding bank and public holidays in England and Wales. Calls are charged at local rate. Calls may be monitored and recorded for training, quality and security purposes.
More ways we can support your organisation
Whether you’re managing day-to-day finances or planning for future growth, our Business Current Accounts are designed to support socially minded organisations of every size.
With straightforward pricing, flexible banking tools and support from sector specialists, you’ll have the confidence and visibility to manage your money effectively, while helping create positive social impact across the UK.
Our payments services help you make and receive payments securely and efficiently, whether you’re managing everyday transactions or larger business payments.
- Bacs Payments
- Bulk Faster Payments
- CHAPS Payments
- Accepting Card Payments
- Corporate Purchasing Cards
- International Payments
From property and refurbishment to social impact projects and working capital, our business lending solutions are here to support our organisation’s ambitions.
If you need business lending to help your organisation deliver real change, we can support you in a variety of ways via business loans, Green Tariff lending and overdrafts.
Banking with purpose
When you choose Unity, you’re selecting a bank that’s committed to making a positive difference for our customers, communities, colleagues and the environment. Discover what drives us, the impact we’re making and the independent recognition we’ve achieved along the way.
Our mission, vision and values guide every decision we make, from how we lend and invest, to how we support our customers and communities.
Discover our Impact Hub to see the social, economic and environmental impact we deliver, and explore our Impact Toolkit to understand how you can measure and grow your own.
Our accreditations and awards reflect our commitment to responsible and ethical banking, financial stability and our dedication to building an inclusive workplace where our people can thrive.
Why choose Unity
Since July 2025, Unity has held an investment-grade credit rating from global ratings agency, Fitch Ratings.
We’ve received a range of awards for our pioneering approach to sustainable finance, including The Kings Awards for Enterprise in Sustainable Development in May 2024.
In June 2025 we were awarded the ‘Good Egg’ mark from the responsible finance site, Good With Money, in recognition of our ethical business practices.
We have decades of experience supporting organisations that create positive impact, with specialist knowledge across housing, healthcare, community and social enterprise sectors.
Our commitment to excellent service
Receiving customer feedback is important to help us continually improve our customers’ experience. In January 2026, we were awarded the Institute of Customer Service ServiceMark accreditation after demonstrating consistently high levels of customer satisfaction and service quality. This accreditation is based on an independent assessment and real customer feedback.
Here’s what our customers are saying on Trustpilot:
Save with certainty
Your eligible savings and deposits with Unity Trust Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme. Eligibility criteria and limits apply.