Thornbury Building Society
Thornbury Building SocietyBuilding societyOwned by its members, not shareholders. The best fixed-term savings, long low-rate loans, and a bonus for members who stay.
- Best fixed-term rates
- Long loans at low rates
- Members' bonus: +0.25% on savings after 30 days
Current account
Members' Current Account: money in and out at any time, and you can have your salary paid straight into it. It pays 0.00% a year on money in it. No overdraft.
Savings
Rates are the Bank Rate (2.5%) plus or minus this bank's margin, and never below 0%. Members' bonus: +0.25% on top once your account is 30 days old. Interest outside a Cash ISA is taxed (see the Budget).
| Account | Type | Rate a year | Bank Rate plus | Smallest deposit |
|---|---|---|---|---|
| Members' Saver | Easy access | 1.00% | -1.5 | £1 |
| 14-day Bond | Fixed for 14 days (locked, no early withdrawal) | 3.00% | +0.5 | £100 |
| 60-day Bond | Fixed for 60 days (locked, no early withdrawal) | 4.00% | +1.5 | £1,000 |
| 30-day Notice Account | 30 days' notice | 3.75% | +1.25 | £100 |
| 30-day Fixed Cash ISAISA | Fixed Cash ISA for 30 days (locked, no early withdrawal) | 3.50% | +1 | £100 |
Cash ISA interest is tax free. You can pay up to £1,000 a day into all your ISAs together.
Log in to save or borrow.
Investing
Buy and sell shares on the UKOGB Stock Exchange from inside an account here, using its cash. The platform fee is a percentage a year of what the account is worth, taken a little every day; the dealing fee is taken once for each order that trades. Thornbury Building Society keeps the fees.
| Account | Tax | Platform fee a year | Dealing fee |
|---|---|---|---|
| Thornbury Members' Stocks and Shares ISA ISA | Dividends and gains tax free | 0.35% | £3 |
Loans
| Loan | Amount | Longest term | Rate a year | Bank Rate plus | Credit score needed |
|---|---|---|---|---|---|
| Home Loan | £2,000 to £12,000 | 52 weeks | 4.00% | +1.5 | 680 |
| Members' Loan | £500 to £5,000 | 26 weeks | 6.50% | +4 | 620 |
Insurance
| Policy | Covers | Premium a week | Most on one claim | Most in a week | Excess | Credit score needed |
|---|---|---|---|---|---|---|
| Thornbury Small Business Cover Business cover | Damages and costs your company is ordered to pay, and business losses | £70 | £8,000 | £12,000 | £400 | 600 |
The price depends on your credit score and goes down 5% for each week without a paid claim (up to 30%). A paid claim resets it. Cover starts 3 days after you buy, for things that happen from then on. 2 missed premiums in a row and the policy lapses. FCA fines are never covered.
The bank's money
| Cash in reserve | £140,329 |
| Savers' deposits (what it owes savers) | £0 |
| Cash it must keep (35% of deposits) | £0 |
| Loans still owed to it | £0 |
| Owed to it on overdrafts | £0 |
| Platform and dealing fees earned | £7 |
| Shares it owns, at today's prices | £0 |
| Capital (its own money) | £150,000 |
| All money ever lent / paid back | £500 / £500 |
| Interest earned on loans / paid to savers | £0 / £0 |
| Dividends from shares | £5,231 |
| Lost to defaults (0 loans) | £0 |
| Insurance premiums taken / claims paid (0 claims) | £91 / £0 |
Investments
It doesn't own any shares yet. It last looked on 6 November 2026.
Recent activity
| When | What | Cash |
|---|---|---|
| 1 Nov 2026, 17:03 | New Thornbury Small Business Cover | £91 |
| 23 Oct 2026, 15:49 | Loan paid off early | £500 |
| 23 Oct 2026, 15:49 | New Members' Loan | -£500 |