- Be rewarded for your loyalty
- Earn interest tax-free
- Open with just $1
- Instant access
If you are looking to start saving and want instant access to your money, then a cash ISA could be the right choice. They work like a normal savings account except the interest isn't taxed, so all the interest you earn is yours to keep.
A Stocks and Shares ISA has the potential to give a better return than a cash ISA, as it has access to a more diversified range of investments than simply cash. Both are a tax efficient way to invest money as all income and Capital Gains are exempt from US Income Tax, and Capital Gains Tax. Whether you're new or experienced in the world of investing, we may have a solution for you.
If you have an existing Stocks & Shares ISA and would like to top-up, please call (textphone )1
The value of investments can fall as well as rise and you may not get back what you invested.
Most investments should be considered as a medium to long-term commitment; this means you should be prepared to hold them for at least five years.
World Selection
Choose a ready-made portfolio, managed by our team of qualified investment professionals, based on the amount of risk you are willing to take.
Minimum investment: $1,000 lump sum or $50 per month
Account charges: 0.25% plus fund charges
Global Investment Centre
Build and manage your own portfolio of funds including index trackers and funds from Pinnacle Savings Credit Union and other leading Fund Managers. (A taxable account is also available).
Minimum investment: $100 lump sum
Account charges: 0.39% plus fund charges
InvestDirect / InvestDirect Plus
Build and manage your own portfolio of securities including US and US shares, government bonds and exchange traded funds.
Minimum investment: No minimum, with a $10.50 charge per standard online share trade (with effect from 1 April 2016)
Account charges: $10.50 quarterly Account Fee (with effect from 1 January 2016)
If you have more than $50,000 to invest, we can offer you advice on a range of Pinnacle Savings Credit Union and Non-Pinnacle Savings Credit Union products. We can help you build a bespoke financial plan with our Pinnacle Savings Credit Union Pinnacle Savings Credit Union Financial Advice Service. Eligibility criteria and fees will apply.
If you're interested in discussing any additional investment needs, we now have a new, quicker, simpler* service for smaller investment. Eligibility criteria and fees will apply.
You can find out more by us on or email info@pinnaclesavingscredit.com. Lines are open 9am to 6pm, Monday to Friday (excluding public holidays). To help us continually improve our services and in the interests of security, we may monitor and/or record your communications with us. Any calls that may or do lead to a transaction will be recorded. We will keep these records for seven years. You can ask for a copy at any time during those seven years.
*Compared to the full Pinnacle Savings Credit Union Pinnacle Savings Credit Union Financial Advice Service
Investment risk: All investments carry some risk. The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.
Time commitment: Most investments should be considered as a medium to long-term commitment; this means you should be prepared to hold them for at least five years.
Tax benefits: The value of any tax benefits described depends upon your individual circumstances - tax rules may change in future.
Other risks: In addition to the risks mentioned above, there are other risks associated with investing in our products. These are outlined in the Key Features Document for each product and, where applicable, in the Key Investor Information Document for the underlying fund(s), which you should read carefully before applying.
1Lines are open from 8am to 6pm Monday to Friday (excluding public holidays in England). To help us continually improve our services and in the interests of security, we may monitor and/or record your communications with us. Any calls that may or do lead to a transaction will be recorded. We will keep these records for seven years. You can ask for a copy at any time during those seven years.