What are the current Yorkshire Building Society Cash ISA rates?

Key takeaways

• Current Rates: Yorkshire Building Society offers Cash ISA rates ranging from 3.60% AER (variable) to 4.55% AER (fixed.
• Best Rate: The highest available rate is 4.55% AER, fixed for a 5-year term.
• Account Variety: Options include Easy Access, 1-Year Online, and Fixed-Rate terms (1, 2, 3, or 5 years).
• Transfer Advice: Always use the official ISA transfer process through your new provider to protect your tax-free status.
• Market Comparison: While Yorkshire is a stable provider, higher rates may be available through smaller providers like Tembo.

Remember, if you have a current or savings account with a big high-street bank or building society, opening a Cash ISA with them might seem like the easiest option, but this could see you missing out on more competitive interest rates and even better customer service. To maximise your interest and reach your savings goals faster, compare a few providers before making a decision. 

Wondering where to start? Take a look at our guide to the Best Cash ISAs in the UK.

What are the current Yorkshire Building Society ISA rates?

Yorkshire Building Society offers three types of Cash ISA: easy access, limited access, and fixed rate. Across these categories, they have a range of accounts with rates from 3.60% (variable) AER on their Easy Access Cash ISA, up to 4.55% (fixed) AER on their 5 Year Fixed Rate Cash ISA. However, these aren't the most competitive rates on the market; you could find even better rates elsewhere.

Source: Current Yorkshire Building Society rates, accurate as of July 2026.

What is Yorkshire Building Society's best Cash ISA rate?

Yorkshire Building Society's current best Cash ISA rate is 4.55% (fixed) AER, available on their 5 Year Fixed Rate Cash ISA account. You can open this account with a minimum of £100, and it's designed for a one-off, lump-sum payment. So you can only add money for a short time after opening. However, you can't dip into your savings during the 5-year fixed term without closing the account entirely and paying a penalty worth 360 days' loss of interest.

If you want to have unlimited access to your money, an easy access Cash ISA might be better suited to your needs. Yorkshire's Easy Access Cash ISA Issue 2 offers 3.60% AER (variable), but you can find Cash ISAs with similar flexibility and an even better interest rate elsewhere.

Take a look at our Best Cash ISA guide for a round-up of the most competitive accounts.

Is Yorkshire a good ISA provider?

Yorkshire Building Society is a well-established provider with some solid qualities. As a building society, it's owned by its members rather than shareholders, it has over 200 branches and agencies across the UK, and it's been around for over 160 years. Savings are also protected by the FSCS up to £120,000.

That said, their Cash ISA rates - ranging from 3.60% AER (variable) on the Easy Access Cash ISA to 4.55% AER (fixed) on the 5 Year Fixed Rate eISA - aren't the most competitive on the market. You may be able to find even better rates and customer service by comparing ISAs across multiple providers online.

Can I have two ISAs with Yorkshire Building Society?

You can only open and pay into one Cash ISA with Yorkshire Building Society each tax year, but you could have a second Cash ISA with a different provider. It's worth knowing that some providers limit how many Cash ISAs you can pay into each tax year with them, so this is a provider-level rule rather than an overall ISA restriction. It's up to you whether you have multiple Cash ISAs at the same time or keep things simple by transferring your existing ISA to a new provider.

If you’re saving for your first home, a Lifetime ISA (LISA) could be even more rewarding than a Cash ISA. You can save up to £4,000 of your ISA allowance in a LISA each tax year and the government will boost your contributions by 25%. This means you’ll get a £1,000 bonus every year you max out your LISA. 

You can use the money held in your LISA for your first home or retirement. If you make a withdrawal before age 60 for something other than your first home (it must be worth £450,000 or less), you’ll pay a 25% penalty on the amount you withdraw. This could leave you with less than you put in. 

Will Yorkshire Building Society Cash ISA rates change?

Yorkshire Building Society may increase its ISA rates, but there’s also a possibility that it could lower them. Banks and building societies tend to set their interest rates based on the Bank of England’s base rate, which can rise and fall in response to changes in the economy. For example, the base rate may rise later on in 2026, which could impact the rates Yorkshire Building Society offers to new and existing savers.

If you already have one Yorkshire Building Society Fixed Rate Cash ISA, you’ll be protected from interest rate fluctuations until the end of your fixed period. Even if Yorkshire Building Society changes the rates available to new customers or Easy Access savers, your rate will stay the same.

Learn more: Cash ISA or Lifetime ISA. Which one should I pick?

How do I find the most competitive Cash ISA rates?

Many savers default to the same bank they use for their current account, but that can mean missing out on better rates elsewhere. In fact, 52% of people with a Cash ISA use the same provider for their tax-free savings as they do for their current account. Compare different ISA providers, including smaller banks which might not be on the high street, to decide on the right account for you. With hundreds of Cash ISAs to choose from across dozens of providers, finding the right Cash ISA account for you can feel overwhelming. That’s why we’ve created our guide to the best Cash ISAs in the UK.

When comparing Cash ISAs, it’s also important to check how easily you can access your money. If you’re saving for short-term goals or there’s a chance you’ll need your money in an emergency, you’ll also want an ISA that lets you withdraw without any penalties or loss of interest. Some Cash ISA providers require 30, 60 or even 120 days’ notice to make a withdrawal, so make sure you know the rules before making a decision.

How to transfer a Yorkshire Building Society ISA to another provider

You can transfer your Yorkshire Building Society ISA to another provider. All you need to do is open a new ISA with your chosen provider and ask them to complete the transfer for you. Trying to complete the switch yourself can have an impact on your savings’ tax-free status and this year’s ISA allowance, so it’s best to get your new provider to complete the transfer for you.

For example, if you’ve saved £30,000 in a Cash ISA over a number of years and try to move the money yourself, depositing it into a new ISA would use up your full £20,000 ISA allowance for the tax year. You'd then need to wait until the following tax year to move the remaining £10,000. In the meantime, that money would sit in a traditional savings account, where your interest could be taxed, and you may get a lower rate.

*Based on saving £100 at the beginning of each month for 5-years. Calculations show at month 61 (after 5-years) Tembo customers saving at 4.05% AER (variable) for the first 12 months, then 2.8% AER (variable) after that would have £242.49 on average more than saving with Barclays, HSBC, NatWest or Lloyds. Accurate July 2026.