Your Building Society for the Modern Age
Whether you're looking for a simple current account, a competitive savings rate, or a mortgage for your first home, we're here to help. Our mutual status means we answer to our members, not shareholders.
Savings Accounts, ISAs & Mortgages That Work for You
We offer a range of fixed rate bonds, easy access savers, and cash ISAs with interest paid tax-free. Plus, our mortgage advisers are ready to help you find the right deal for your circumstances.
Current Accounts & Everyday Banking Made Simple
Manage your day-to-day spending with our range of current accounts. From standard accounts with no monthly fee to packaged accounts with added benefits, we've got something for everyone.
Serving Our Members With Pride Since We Opened Our Doors
We're a building society at heart, which means we're owned by our members, not outside shareholders. Every decision we make is guided by what's right for the people who save and borrow with us. We offer competitive rates on savings, straightforward mortgages, and everyday banking that doesn't complicate things.
- FCA authorised and regulated, with FSCS protection on eligible deposits.
- Competitive rates across our savings and mortgage range.
- No shareholders — we answer to our members, pure and simple.
Straightforward Banking You Can Count On
Your Money's Protected
Eligible deposits are covered by the Financial Services Compensation Scheme up to £85,000 per person. We also use the latest security measures to keep your accounts safe day to day.
Faster Payments as Standard
Send money quickly and easily with Faster Payments. Most transfers arrive within seconds, whether you're paying a bill or sending money to family.
Savings Goals Made Easy
Set up savings pots, automate your deposits, and watch your money grow. Our app helps you track your progress towards whatever you're saving for.
Current Accounts, Savings & ISAs for Everyday Life
From our fee-free standard current account to our range of easy access and fixed rate savings, we've got personal banking covered. Whether you're saving for a rainy day or planning for retirement, our accounts are designed to be simple, fair, and easy to manage.
Open an account online in minutes, manage everything from our award-winning mobile app, and get help from a real person when you need it. That's banking the way it should be.
- Standard Current Account — no monthly fee, no fuss
- Packaged Current Account — travel insurance, mobile cover, and breakdown included
- Easy Access Saver — withdraw whenever you like, no penalties
- Fixed Rate Bonds — lock in a guaranteed rate for 1, 2, or 3 years
- Cash ISA — earn interest tax-free up to your annual allowance
- Junior ISA — start saving for your children's future today
Banking That Works as Hard as Your Business Does
Whether you're a sole trader, a partnership, or a limited company, we've got business accounts and lending options to suit you. From startup business accounts with free day-to-day banking to commercial mortgages for expanding your premises, we're here to support your growth.
Our relationship managers take the time to understand your business, so you get the right support — not a one-size-fits-all solution.
- Startup Business Account — free day-to-day banking for the first 18 months
- Business Current Account — unlimited transactions and dedicated support
- Business Savings — instant access and notice accounts available
- Commercial Mortgages — competitive rates for owner-occupied or investment properties
- Business Loans — unsecured lending up to £250,000 for your growth plans
- Invoice Finance — unlock cash tied up in unpaid invoices
Large-Scale Banking for Established Enterprises
For larger organisations with more complex needs, our corporate banking team delivers tailored solutions across treasury, lending, and trade finance. We combine relationship-led service with the capabilities you'd expect from a major financial institution.
From revolving credit facilities to structured trade finance and interest rate hedging, we provide the tools and expertise to support your treasury function.
- Treasury & Cash Management — multi-currency accounts and liquidity solutions
- Revolving Credit Facilities — flexible working capital when you need it
- Trade Finance — letters of credit, guarantees, and documentary collections
- Syndicated Lending — access to larger facilities through our partner network
- Foreign Exchange — competitive rates and forward contracts
- Interest Rate Hedging — protect your margins against rate movements
Credit Cards With Clear Pricing and Genuine Benefits
Whether you're looking to spread the cost of a large purchase, consolidate existing card balances, or earn rewards on your everyday spending, our credit card range has something to suit you. All with clear terms and no hidden catches.
Every card comes with contactless functionality, compatibility with Apple Pay and Google Pay, and 24/7 fraud monitoring so you can spend with confidence.
- Balance Transfer Card — 0% interest on balance transfers for up to 24 months
- Purchase Card — 0% on purchases for up to 20 months
- Rewards Card — earn points on every pound you spend
- Travel Card — no foreign transaction fees when you spend abroad
- Credit Builder Card — designed to help improve your credit score over time
- Business Credit Card — separate your business and personal spending easily
Helping You Buy Your Home, Improve It, or Release Equity
Whether you're a first-time buyer getting onto the property ladder, remortgaging to a better rate, or looking at a buy-to-let investment, our mortgage advisers are here to guide you through the process. We offer competitive rates, clear information, and decisions made by real underwriters.
Not buying a home? We also offer personal loans for home improvements, car purchases, and other major expenses — with fixed monthly payments so you know exactly where you stand.
- First-Time Buyer Mortgages — up to 95% loan-to-value available
- Remortgaging — switch to us for a better rate, free valuation and legals included
- Buy-to-Let Mortgages — for individual landlords and portfolio investors
- Home Improvement Loans — borrow from £1,000 to £50,000
- Car Loans — finance your next vehicle with fixed monthly repayments
- Equity Release — access the value tied up in your home, with lifetime mortgage options
Plan for the Future With Expert Guidance
Our financial planning team can help you make sense of your options, whether you're building a retirement fund, investing for income, or planning how to pass wealth to the next generation. We offer both independent advice and a range of investment products to suit different goals and attitudes to risk.
From stocks and shares ISAs to pension drawdown and estate planning, we'll help you build a plan that's right for your circumstances.
- Stocks & Shares ISA — invest up to £20,000 per year tax-efficiently
- Investment Accounts — access a wide range of funds and shares
- Pension Planning — SIPPs, drawdown, and annuity advice
- Inheritance Tax Planning — protect more of your estate for your beneficiaries
- Retirement Income Review — make sure your pension is working as hard as it can
- Protection — life cover, critical illness, and income protection explained clearly
Security That's Built Into Everything We Do
Your eligible deposits are protected up to £85,000 by the FSCS. We also use multi-factor authentication, 24/7 transaction monitoring, and the latest encryption to keep your accounts secure. It's our job to protect your money, and we take it seriously.
FSCS Protection
Eligible deposits held with us are protected by the Financial Services Compensation Scheme up to £85,000 per person, per authorised institution.
24/7 Fraud Monitoring
Our systems watch over your accounts around the clock, flagging suspicious activity and contacting you immediately if something doesn't look right.
Manage Your Money Anytime, Anywhere
Our mobile app and online banking platform give you full control over your accounts. Check balances, pay bills, transfer money, and manage your savings — all from your phone or computer. Simple, secure, and available whenever you need it.
Savings Pots & Round-Ups
Set aside money for specific goals and round up your spare change automatically.
Your Branch in Your Pocket
Check your balance, pay a bill, transfer money, or deposit a cheque — all from your phone. Our app is rated 4.8 stars and trusted by thousands of members. Download it today and see how simple banking can be.
Trusted by People Across Yorkshire and Beyond
"Switched our current accounts over last year and haven't looked back. The app is brilliant, and when I had a question about a transaction, I got through to a real person in seconds."
Eleanor Vance
Finance Director
"We moved our business banking here after our old provider kept us on hold for 40 minutes every time we called. The difference is night and day — proper relationship management, and they actually understand our sector."
David Chen
Managing Director
"The savings pots feature has been a game-changer for me. I've got separate pots for my holiday fund, Christmas shopping, and emergency savings. It makes budgeting so much easier."
Sarah Jenkins
Teacher
"I've been a member for over 15 years. They've handled my mortgage, my savings, and my retirement planning. The consistency of service and the fact they're a mutual really matters to me."
Robert Hayes
Retired Engineer
"The mortgage process was smooth from start to finish. Our adviser explained everything clearly, kept us updated throughout, and got us a rate that was better than the comparison sites were showing."
Michael Okafor
Architect
"Honestly, it's refreshing to bank with a place where you don't feel like just another number. I've recommended Westerncresthorizon to my whole family and they've all had the same positive experience."
Lisa Maria
Creative Director
Open an Account Today and See How Simple Banking Can Be
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