Easy Access SME Saver (Issue 4)
  • AER
    4.37%
  • Gross
    4.37%
  • Min Investment
    £5,000
  • Max Investment
    £750,000
More Details
  • Term
    Easy access
  • Interest Paid
    Annually
  • How to Apply
    Online
  • Withdrawals
    Unlimited withdrawals

Can HTB change the interest rate?

  • This is a managed variable rate, which means it is set by us and we can change it at any time.
  • If we increase the interest rate, we’ll make the change and let you know.
  • If we reduce the interest rate, we’ll let you know at least 30 days before.

What would the estimated balance be after 12 months based on certain deposits?

  • £5,000 invested in this account would earn £218.50 interest
  • £100,000 invested in this account would earn £4,370.00 interest
  • This is for illustrative purposes only and assumes interest is paid and compounded annually. The illustrative example does not consider the individual circumstances of a customer.

How do I open and manage the account?

  • You can open an account by completing an application form on our website.
  • This account is available to businesses and organisations in the United Kingdom. This includes limited companies, public limited companies, partnerships, limited liability partnerships, registered charities, clubs, associations and societies.
  • Once your account is open, you can manage it online through our online portal, by secure message when logged in or by getting in touch.
  • You’ll need the minimum balance of £5,000 in the account to open it and keep it open.
  • The maximum account balance is £750,000 with a maximum of £1m balance across all your accounts with us.

Can I withdraw money?

  • Yes – this is an easy access account, so you can make unlimited withdrawals.

Additional information

  • All payments must be made to – and from – your nominated bank account or into another account with us.
  • Read our full terms and conditions here.

 

An easy access account might be the right choice if you
  • want to add more money to the account
  • need access to your money quickly.
An easy access account might not be the right choice if you
  • want a guaranteed rate of interest for a specific period
  • don’t need access to your money for some time.
More Details
1 Year SME Fixed Saver (Issue 55)
  • AER
    4.55%
  • Gross
    4.55%
  • Min Investment
    £5,000
  • Max Investment
    £750,000
More Details
  • Term
    1 year
  • Interest Paid
    Annually
  • How to Apply
    Online only
  • Withdrawals
    Not permitted before maturity

Can HTB change the interest rate?

  • No, the interest rate is fixed for the duration of the term.

What would the estimated balance be at the end of the term based on certain deposits?

  • £5,000 invested in this account would earn £227.50 interest by the end of the term.
  • £100,000 invested in this account would earn £4,550.00 interest by the end of the term.
  • This is for illustrative purposes only and assumes interest is paid and compounded annually. The illustrative example does not consider the individual circumstances of a customer.

How do I open and manage the account?

  • You can open an account by completing an application form on our website.
  • This account is available to businesses and organisations in the United Kingdom. This includes limited companies, public limited companies, partnerships, limited liability partnerships, registered charities, clubs, associations and societies.
  • Once your account is open, you can manage it online through our online portal, by secure message when logged in or by getting in touch.
  • The fixed term starts on the date the account is open. Interest starts when the first payment is received.
  • You’ll need the minimum balance of £5,000 in the account to open it and keep it open.
  • The maximum account balance is £750,000 with a maximum of £1m balance across all your accounts with us.

Can I withdraw money?

  • No. This bond offers a fixed rate for a fixed term, so you can only close it, withdraw or transfer your money at the end of the term (maturity).
  • We will get in touch before maturity to remind you of the date that your fixed term ends, detailing your options and asking for your maturity instructions. You can ask us to reinvest some or all of it into new accounts or return it to your nominated account.
  • If you don’t tell us what you’d like to do by the fixed term maturity date, we’ll move your balance into our Maturity Easy Access Account to keep your matured balance protected while you decide what to do with it − we’ll send you more information about this account nearer the time.

Additional information

  • You have 14 days from the date you applied for the account to fund it, during which time you can make as many payments into the account as you like up to the maximum balance. After this time, your account will not be able to accept further funds. If the account remains unfunded at 14 days, it will be closed.
  • All payments must be made to – and from – your nominated bank account or into another account with us.
  • Read our full terms and conditions here.

 

An SME fixed saver account might be the right choice if you
  • do not need access to your money for the whole fixed term
  • want to know exactly how much interest you’ll earn
  • want to make an unlimited number of deposits for the first 14 days only.
An SME fixed saver account might not be the right choice if you
  • might need access to your savings during the term
  • want to make withdrawals during the term
  • want to add more money to the account during the fixed term.
More Details
2 Year SME Fixed Saver (Issue 46)
  • AER
    4.22%
  • Gross
    4.22%
  • Min Investment
    £5,000
  • Max Investment
    £750,000
More Details
  • Term
    2 years
  • Interest Paid
    Annually
  • How to Apply
    Online only
  • Withdrawals
    Not permitted before maturity

Can HTB change the interest rate?

  • No, the interest rate is fixed for the duration of the term.

What would the estimated balance be at the end of the term based on certain deposits?

  • £5,000 invested in this account would earn £430.90 interest by the end of the term.
  • £100,000 invested in this account would earn £8,618.08 interest by the end of the term.
  • This is for illustrative purposes only and assumes interest is paid and compounded annually. The illustrative example does not consider the individual circumstances of a customer.

How do I open and manage the account?

  • You can open an account by completing an application form on our website.
  • This account is available to businesses and organisations in the United Kingdom. This includes limited companies, public limited companies, partnerships, limited liability partnerships, registered charities, clubs, associations and societies.
  • Once your account is open, you can manage it online through our online portal, by secure message when logged in or by getting in touch.
  • The fixed term starts on the date the account is open. Interest starts when the first payment is received.
  • You’ll need the minimum balance of £5,000 in the account to open it and keep it open.
  • The maximum account balance is £750,000 with a maximum of £1m balance across all your accounts with us.

Can I withdraw money?

  • No. This bond offers a fixed rate for a fixed term, so you can only close it, withdraw or transfer your money at the end of the term (maturity).
  • We will get in touch before maturity to remind you of the date that your fixed term ends, detailing your options and asking for your maturity instructions. You can ask us to reinvest some or all of it into new accounts or return it to your nominated account.
  • If you don’t tell us what you’d like to do by the fixed term maturity date, we’ll move your balance into our Maturity Easy Access Account to keep your matured balance protected while you decide what to do with it − we’ll send you more information about this account nearer the time.

Additional information

  • You have 14 days from the date you applied for the account to fund it, during which time you can make as many payments into the account as you like up to the maximum balance. After this time, your account will not be able to accept further funds. If the account remains unfunded at 14 days, it will be closed.
  • All payments must be made to – and from – your nominated bank account or into another account with us.
  • Read our full terms and conditions here.

 

An SME fixed saver account might be the right choice if you
  • do not need access to your savings for the whole fixed term
  • want to know exactly how much interest you’ll earn
  • want to make an unlimited number of deposits for the first 14 days only.
An SME fixed saver account might not be the right choice if you
  • might need access to your savings during the term
  • want to make withdrawals during the term
  • want to add more money to the account during the fixed term.
More Details
3 Year SME Fixed Saver (Issue 26)
  • AER
    4.16%
  • Gross
    4.16%
  • Min Investment
    £5,000
  • Max Investment
    £750,000
More Details
  • Term
    3 years
  • Interest Paid
    Annual
  • How to Apply
    Online only
  • Withdrawals
    Not permitted before maturity

Can HTB change the interest rate?

  • No, the interest rate is fixed for the duration of the term.

What would the estimated balance be at the end of the term based on certain deposits?

  • £5,000 invested in this account would earn £650.32 interest by the end of the term.
  • £100,000 invested in this account would earn £13,006.37 interest by the end of the term.
  • This is for illustrative purposes only and assumes interest is paid and compounded annually. The illustrative example does not consider the individual circumstances of a customer.

How do I open and manage the account?

  • You can open an account by completing an application form on our website.
  • This account is available to businesses and organisations in the United Kingdom. This includes limited companies, public limited companies, partnerships, limited liability partnerships, registered charities, clubs, associations and societies.
  • Once your account is open, you can manage it online through our online portal, by secure message when logged in or by getting in touch.
  • The fixed term starts on the date the account is open. Interest starts when the first payment is received.
  • You’ll need the minimum balance of £5,000 in the account to open it and keep it open.
  • The maximum account balance is £750,000 with a maximum of £1m balance across all your accounts with us.

Can I withdraw money?

  • No. This bond offers a fixed rate for a fixed term, so you can only close it, withdraw or transfer your money at the end of the term (maturity).
  • We will get in touch before maturity to remind you of the date that your fixed term ends, detailing your options and asking for your maturity instructions. You can ask us to reinvest some or all of it into new accounts or return it to your nominated account.
  • If you don’t tell us what you’d like to do by the fixed term maturity date, we’ll move your balance into our Maturity Easy Access Account to keep your matured balance protected while you decide what to do with it − we’ll send you more information about this account nearer the time.

Additional information

  • You have 14 days from the date you applied for the account to fund it, during which time you can make as many payments into the account as you like up to the maximum balance. After this time, your account will not be able to accept further funds. If the account remains unfunded at 14 days, it will be closed.
  • All payments must be made to – and from – your nominated bank account or into another account with us.
  • Read our full terms and conditions here.

 

An SME fixed saver account might be the right choice if you
  • do not need access to your savings for the whole fixed term
  • want to know exactly how much interest you’ll earn
  • want to make an unlimited number of deposits for the first 14 days only.
An SME fixed saver account might not be the right choice if you
  • might need access to your savings during the term
  • want to make withdrawals during the term
  • want to add more money to the account during the fixed term.
More Details

Our specialist deposit accounts

Deposit accounts with HTB give community-focused banks, coops and credit unions a chance to earn a rewarding return on their cash without compromising their social mission. 

We’ll keep your savings in the UK and use them to mostly help fund new housing initiatives across the country.  

With easy access, notice and fixed term bond options, our savings accounts help your excess funds work harder for you and your members.  

And, we’ll back you up with a personal service delivered by a named UK-based relationship manager.

Reach out to our specialist deposit solutions team by calling 020 7862 3010 or emailing them here.

We’re open from 9am–5pm, Monday–Friday, and closed on bank holidays.

Reach out to our specialist deposit solutions team by calling 020 7862 3010 or emailing them here.

We’re open from 9am-5pm, Monday-Friday, and closed on bank holidays.

Frequently Asked Questions

  • General:

    Of course. In fact, our range has been designed to allow for a diversified deposits strategy from easily-accessible funds in easy access to longer-term money locked-up or a competitive rate to ensure your savings work as hard as they can for your community-focused organisation.

    Absolutely – we offer flexible, tailored solutions to banks of all types and sizes.

    As a specialist lender and challenger bank, we don’t raise finance on debt markets and don’t need a credit rating.

    So, like most – if not all – the banks in our peer group, we’re unrated.