Building brighter financial futures from an early age through simple, secure, and tax-free saving for the years ahead
A Derbyshire Community Bank Junior ISA (Individual Savings Account) is a simple way to start building savings for a child’s future.
Whether you’re putting aside birthday money, regular monthly saving, or contributions from family members, a Junior ISA can help create a financial foundation for later in life. From university and driving lessons to future opportunities and independence.
Because the money is locked away until the child turns 18, it gives savings time to grow while encouraging long-term financial security.
Money Saving Expert have a great section on there website highlighting Junior ISA’S
You can open an account with as little as £1, making it easy for families to start saving little and often.
For the 2026/27 tax year, up to £9,000 can be saved into a Junior ISA. Any interest earned is usually free from UK Income Tax, helping savings go even further.
Our Interest Rate – 2%
We believe saving should be accessible, supportive, and community focused. When you save with us, you’re supporting a local organisation dedicated to helping people across Derbyshire build stronger financial futures.
Parents or guardians can open and manage the account for children under 16, and from age 16 the child can apply to manage the account themselves.
When the child turns 18, the Junior ISA will automatically become an adult ISA account with Derbyshire Community Bank.
Help give a child a stronger financial future with a Derbyshire Community Bank Junior ISA.
