WHY CHOOSE US?

We’re owned by our members, so it's all about you.

Pregnant woman and child

What makes us better?

We’re a building society, also known as a mutual. That means we’re owned by you, our members. We don’t have shareholders, so you don’t need to split the profits with them. It means we can offer better products and services.

Why save with us?

Get better savings rates 

We've paid higher than average savings rates for the last 10 years. (CACI 2024) 

We don't do 'new member only’ savings accounts

If a savings account is available for a new member, you can have it too.

Manage your savings with our app

Download our app for an easy way to look after your money.

Why get a mortgage with us?

Get free advice over the phone

We know mortgages are complicated. We’re here to give you the support you need to make the best decision for you.

Get more with your mortgage 

Many of our mortgages have free standard valuations and cashback.

Simple to switch

It’s easy to switch at the end of your deal. You can do it online or over the phone.

We reward your loyalty

Been a savings or mortgage member for over a year? You could get exclusive savings rates.

Been a savings member for over a year but don’t have a mortgage yet? You could get an exclusive mortgage deal.

girl on phone

Not a member yet?

All you need to do is open a savings account or mortgage with us.

Your money your way

Manage your money online

Through our website or savings app, whenever suits you.

Real people, real help

Need a friendly face? We’ve got over 200 face-to-face locations. And if you can’t come to us, you can phone our UK call centre.
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Have your say

Join our online research community

We love to hear from you, so we can make things better.

Vote in our Annual General Meeting (AGM)

Our voting members get a say in who our directors are and more.

In the community

teacher and a pupil in the classroom

Teaching about money

We help young people get the best start by learning about money and careers.
citizens advice and YBS logos

Access to Citizens Advice

We have advisers from Citizens Advice in 45 of our branches. You don’t have to be a member to book an appointment.
two charity workers sharing a joke

Supporting charities

We have our own foundation as well as a charity partner.
attractive riverside properties

Caring for the environment

We’re working hard to reduce our carbon footprint and we’re committed to Net Zero by 2050.
YBS Group average savings rate compared to Rest of Market average rates. Data Source: CACI’s Current Account & Savings Database (CSDB), Stock. Data period January – December 2023.