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Access x1 Cash ISA

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Key features

  • This is a variable rate product
  • Minimum Balance £10.00
  • Maximum Balance £150,000
  • Save up to the maximum subscription for the tax year. For tax year 2025/26 the maximum is £20,000.

This savings account may be right for you if …

  • you’re happy with a variable interest rate
  • you like to be able to add to your account
  • you are comfortable with a limited number of withdrawals from the account
  • you prefer to have the tax-free wrapper of a Cash ISA
  • you’re happy to operate your account with a passbook via the branches or by post
Rate
3.65%
Interest paid
Annually

Summary information

What is the Interest Rate?

  • Interest is variable and the rate is currently 3.65% Gross/AER*
  • Interest is calculated daily and paid annually on the 5th April
  • Interest can be added to the account, paid to your bank or another Loughborough Building Society account (except other ISAs).
  • A full list of our current interest rates can be found on our Interest rate poster.

Can the Loughborough Building Society change the Interest Rate?

  • We may change interest rates at any time.
  • For further information about why we may change the rate and how we will tell you about a change, please refer to section 7.4 of the Society’s General Terms and Conditions.

What would the estimated balance be after 12 months based on a £1,000 deposit?

  • Based on the current interest rate, if you deposit £1,000 in this account, after 12 months you will have £1,036.50.
  • Please note that these projections are provided for illustration purposes only and assume that no other changes take place on the account.

How do I open and manage my account?

  • To open an account you need to provide a completed application form, the minimum investment, proof of your identity and address.
  • Minimum Balance £10
  • Maximum Balance £150,000
  • Save up to the maximum subscription for the tax year. For tax year 2025/26 the maximum is £20,000.
  • ISA Transfers are accepted into this account subject to the maximum balance.
  • Only one of this account type per customer permitted.
  • If the maximum amount is invested and a withdrawal is made, further funds can’t be added to replace those withdrawn.
  • A Cash ISA is a savings account where interest is paid tax free. It is available to UK residents who are aged 18 and over, subject to any individual product terms.
  • This account can be operated via branch and post.
  • A passbook will be issued when the account is opened.

Can I withdraw money?

  • Withdrawals are restricted and you can only make one per tax year subject to the Society’s daily limits.
  • This includes partial balance transfers to another provider.
  • Closure or the transfer of the total account balance to another provider is permitted even if the one withdrawal has been made.
  • Your passbook must be presented when a withdrawal is requested.

Additional Information

  • Tax-free.
  • This is not a Flexible ISA.
  • *Gross means the contractual rate of interest payable before the deduction of income tax.  This account is tax free.  AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.

How to apply

Opening an account is easy and you can do that in any of our branches.

Simply download, print and complete the application form.  Then return your completed form, necessary identification and opening cheque or completed ISA Transfer Authority Form to your preferred branch.

Cheques must be payable to the account holder.

For postal applications we will accept photocopy or scanned documents, not photographs. The copy must be a clear, readable version of the full original document.

You should read all the product information to ensure this account is right for you and also the Financial Services Compensation Scheme Information Sheet and our General Terms and Conditions.

Download an application form

Download application icon Download application form

What you need to know about ISAs

To make the most of tax-free savings you should fully understand how an ISA works.  We recommend you read our guide which will give you important information to help you decide if our Cash ISA is right for you.

Terms and Conditions

Before opening this account please read our General Terms and Conditions.

 

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS).  The FSCS can pay compensation to depositors if a building society is unable to meet its financial obligations.  It’s important that you read the FSCS Information Sheet. It provides basic information about the protection of your savings deposits.

Still need help?

Our help section is full of useful information, but if you can’t find what you need you can pop into one of our branches. Or if you’d rather just chat, give us a call.

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Call us on 01509 631960

Monday – Friday

9am – 5pm

Weekends and bank holidays

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