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Junior ISA

Our Junior ISA (JISA) offers a competitive interest rate of 3.85% and can be opened with an initial deposit of just £1. With us by your side, you can start building a financial foundation for your child.

View our JISA product details
Interest rate info
3.85% AER
Available to
Existing & New customers
Minimum initial deposit
£1
Interest
Paid annually

How do I apply for a Junior ISA?

Applying for a Junior ISA with us is simple. You can apply for a new account or transfer an existing Junior ISA either in person at your local branch or by post. Use the sections below to find the option that best suits you.

Junior ISA

Key Product Information

View our full JISA Terms and Conditions

JISA T&Cs

What is a Junior ISA?

A Junior ISA, otherwise known as a Junior Cash ISA or simply JISA, is a long-term, tax-efficient way to save or invest for a child under the age of 18

This type of savings account allows parents or guardians to save up to £9,000 each tax year (2025/26) for their child, without having pay tax on the interest or investment returns earned.

When you open a Junior Cash ISA, the money you deposit is locked away until the child turns 18. Once they reach 18, the Junior ISA automatically converts into an adult ISA, and the money becomes theirs to manage. 

A key benefit of a Junior Cash ISA is its tax efficiency. Any interest earned is free from Income Tax, so neither you nor your child will pay tax on their savings. While parents and guardians can contribute, the total amount paid across all Junior ISAs for a child cannot exceed the annual JISA allowance of £9,000 each tax year (2025/26).

Our Junior ISA is FSCS protected and has a variable rate of interest that can go up or down. With a deposit of just £1, you can open a JISA with us and start saving for your child's future.

Want to review you Savings? Book a face-to-face savings appointment at your local branch.

Find your local branch

Why save with us

As a mutual building society with a proud heritage, we recognise how savings accounts play a vital role in building the future you want for you and your loved ones. For over 160 years, we’ve put our members first, providing them with real value that goes beyond competitive rates.

We're focused on keeping your money safe while helping it grow. Our range of savings solutions, backed by exceptional face-to-face and online customer service, will help you achieve your savings goals.

As a force for good, we take great pride in supporting the people and organisations across the communities we serve in Leek and our surrounding areas. We exist to help our communities grow, so they can do great things today - and even better things tomorrow.