A range of savings products to suit everyone. For more details, a list of our different savings accounts are listed below.

General Savings

Saving for those special moments.

Every DCB account comes with a regular savings account as standard.

A basic savings account to save in for any reason you like.  You can set up a regular deposit to save as much as you can, as often as you can with the option to change the amount you save or stop whenever you need to.

Join today to start saving for that rainy day, an unexpected bill or future special events like holidays, weddings etc.

Junior Savings

Junior savings accounts are for children under 18 years of age whose parents, guardians or grandparents are members of the bank.

Encourage those young people in your life to get into a savings habit from as early an age as possible. It’s tempting to spend all your pocket, birthday and Christmas money, but it’s better to save some too.

Other junior savings accounts include Junior ISA (currently closed to new applicants, our 2022/2023 interest rate for members with an existing Junior ISA is 1%) & Child Tax Fund accounts (ended by the government in 2011).

Christmas Savings

It’s never too early to plan ahead!

Many of us are left with a hefty bill after the fun of Christmas.

This Christmas savings club is designed to help you save throughout the year so that you can avoid the New Year headache from over-spending.

The earlier you can start saving, the better.  Even if it’s a little each week, it can make a huge difference.

Access restricted until October each year.

Goal Saver

Whether that’s a dream holiday, home improvements or even a little extra money for a great Christmas or big family celebration. But, when it comes down to it, how many of us actually stick to a savings plan?

This online and mobile only account lets you set your own personal goals, manage your savings directly and track progress towards your target. If you have more than one goal in mind, you’ve the option to set up 10 in total.

Click the button below for our full page & tutorial video.

Savings Goal Image

Individual Savings Accounts – ISA’s

IMPORTANT NOTICE: Our cash ISA is currently CLOSED to new applicants.

You can avoid paying tax on at least some of your savings by choosing a cash individual savings account (ISA) rather than a standard account as interest paid on a cash ISA is tax free.

The annual ISA limit for the tax year is £20,000 which can be paid into a cash ISA, a stocks and shares ISA or a combination of the two.  However, our savings limit is £15,000.

2022/23 ISA interest rate for existing members is 1%

Corporate Accounts

Derbyshire Community Bank accepts corporate membership from organisations that are based in Derbyshire.

This is a great way for local organisations through their corporate social responsibility agenda to support their local community by adding to the pot that local people can borrow from hopefully helping them to avoid the use of high interest, payday or loan shark lenders.

Many organisations encounter staff who use these types of lenders and end up getting into significant debt.  They then come to their employer for help.  By supporting Derbyshire Community Bank we can continue to grow the help we provide for Members across Derbyshire.


Payroll Savings

A hassle free way to build up your savings by direct deduction from your pay into your DCB account!

If your employer is a payroll partner with the credit union, all you have to do is join the bank and then notify your payroll department how much you want to save each month and it is deducted from your pay and paid direct to your account with DCB.  You can then download our mobile APP and sit back and watch your savings grow.

Save as you earn – deducted at source so you can forget about it until you need it.

Features and Benefits

Access to your money – there are no penalties for withdrawing money, so you can take it out whenever you want

Watch your money grow – dividends are paid annually but are dependent on the financial position of the bank

Manage your account your way – online, in branch or by telephone

Pay in to suit you – by cash, cheque, standing order, payroll deduction or by paying in a benefit of your choice

Ethical savings – by saving with the bank you are allowing other local people to borrow who would otherwise be unable to access high street lending.


Dividend & Interest Rates

  • As a financial co-operative we do not pay interest in the same way as most savings accounts.
  • We pay an annual dividend subject to the financial position of the bank, which is set at the AGM.
  • We only pay interest on Cash ISA, Junior ISA, & Child Tax Fund accounts.
  • Interest is paid annually and the rate is set by the Board of Directors.
Angela Key
Very prompt service and very easy to use.
Danielle Mouser
I've been with Derbyshire community bank since day one of their opening they've always been helpful and polite and always been willing to help I would say thank you for all your support
Lisa Hind
Absolutely brilliant! Applied online, simple form to fill out. I Linked my bank account for the statment and heard back within a day.
multi cube (LUCIFER)
Been with Derbyshire community bank for over 10 years.. brilliant customer service and very quick
Natalie Slater
Amazing really help me when I need them would definitely recommend