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HTB
HTB / Business / Specialist Deposit Solutions / Credit Unions
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Specialist deposit solutions

Credit unions and community banks

Our specialist savings accounts are designed around the needs of credit unions and community banks.

With competitive rates, relationship-based service and safe in the knowledge that your supporting development and housing projects across the UK, HTB’s specialist deposit accounts are a popular choice in community banking.

Questions, or need some help getting started? Get in touch with our dedicated team.

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

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.

How it works

  • Start your application online or directly with the team
  • A dedicated specialist deposits team member will be with you every step of the way, ensuring you have all the information you need
  • Deposit up to £20m across a range of accounts, from easy access to longer-term fixed deposits
  • Eligible deposits with us are protected by the UK’s deposit guarantee scheme

Get started

These accounts are ideal, if:

  • You’re a regulated firm, credit union or community bank
  • You’ll use the account just for just business
  • You prefer your cash to stay in the UK and contribute towards a stronger economy

Good to know:

  • You can allow up to 4 signatories to instruct on the account
  • We’ll need to verify your organisation, key stakeholders and those accessing the account
  • You can start your application online or directly with the team

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.

Saving with Hampshire Trust Bank

Tried and trusted savings

We’re a major specialist savings bank with a history of trust, having helped over 100 credit unions and over 100,000 people and businesses nationwide save for their futures.

We’re a regulated UK bank and trusted with over £4 billion of savings, but that doesn’t stop us delivering award-winning levels of specialist service.

HTB 2024 Feefo Platinum Trusted service award

Savings that work hard for you and your community

We’ll keep things local, lending to businesses across the UK to stimulate initiatives and housing here at home.

Anything not used is kept with the Bank of England for safe keeping.

We invest billions in UK housing every year and are passionate about contributing to a strong economy for everyone.

 

The perfect balance for your cash strategy

You’ll always be in complete control of your deposits. Our range of specialist accounts – with easy access, notice and fixed term bond options – allow you to design a diversified savings strategy to optimise the return for your members while balancing cashflow and liquidity needs.

Personal service

Online is great, but in our experience, credit unions and small banks like choice and the reassurance of having our dedicated specialist deposit team behind them.

That’s why you’ll have direct access to a relationship manager who gets it, understands you and is motivated to focus on your needs. Our friendly team is always on hand to help.

It’s never been easier to open a credit union & community banking deposits account – just talk to our specialist team or start your application with us here.

Frequently Asked Questions

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  • Personal Savings
  • General:
    • Can I open more than one account?

      • 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.

    • I am a small community bank. Is this account right for me?

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

    • What’s your credit rating?

      • 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.