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Home / Savings / Cash ISA / One Year Fixed Rate Cash ISA – Issue 58 – Maturity Date 31 December 2026

One Year Fixed Rate Cash ISA – Issue 58 – Maturity Date 31 December 2026

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Key features

  • This is a fixed rate product
  • The minimum investment is £20,000, the maximum is £200,000.
  • ISA Transfers in from other providers or an internal ISA are allowed so long as the transfer instructions are received no later than 14 days from the date of this account opening.
  • Partial withdrawals or transfers out are not allowed until the first working day after maturity, Tuesday 4th January 2027. Full closure or transfer out is allowed prior to maturity subject to a penalty equivalent to 90 days loss of interest. This means you might get back less than what you originally deposited.

This savings account may be right for you if …

  • you like to know exactly how much interest you’ll receive
  • you have a lump sum to save
  • you don’t need access to your funds
Rate
3.85%
Interest paid
Annually

Summary information

What is the Interest Rate?

  • Interest Rate is fixed and is 3.85% Gross/AER*.
  • Interest is calculated daily and paid on 31st December 2025 and on maturity, 31st December 2026.
  • Interest can be added to the account or paid into 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?

  • No, the interest rate is fixed until the 31st December 2026

What would the estimated balance be after 12 months based on a £20,000 deposit?

  • If you deposited £20,000 in this account, after 12 months you would have £20,770.
  • Please note that this projection is provided for illustration purposes only and assumes the interest is being added to the account after the initial deposit is made.

How do I open and manage my account?

  • To open an account, you need to provide a completed application form, the minimum investment and proof of your identity and address. The minimum investment is £20,000, the maximum is £200,000.
  • ISA Transfers in from other providers or an internal ISA are allowed so long as the transfer instructions are received no later than 14 days from the date of this account opening.
  • You can pay your 2025/26 Tax Year’s ISA allowance into this account no later than 14 days from the date of this account opening
  • Available to new and existing members aged 18 years and over, residing in the United Kingdom.
  • This account can be opened and operated via branch and post.

Can I withdraw money?

  • Partial withdrawals or transfers out are not allowed until the first working day after maturity, Tuesday 4th January 2027. Full closure or transfer out is allowed prior to maturity subject to a penalty equivalent to 90 days loss of interest. This means you might get back less than what you originally deposited.

The account may be closed without penalty or notice should the investor die before maturity.

The passbook must be presented when closure is requested.

  • The account will mature at midnight on the 31st December 2026. On the day after maturity (1st January 2027) your funds (including interest, if applicable) will be transferred into the Cash ISA Holding account. Full details will be provided before maturity.

Additional Information

  • *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.
  • This account earns interest Tax-free and will not count towards your personal savings allowance.
  • You will be contacted before the maturity date to advise you of the options available.
  • This is a limited-edition product and may be withdrawn without notice at any time.
  • This is not a flexible ISA.

How to apply

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

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 or post it to Loughborough Building Society, 56 Woodgate, Loughborough, LE11 2TZ, alternatively, you can scan your completed, signed application and identity documents to [email protected]. An electronic payment can be made once the account is opened.

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

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Weekends and bank holidays

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