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Two Year Fixed Rate Cash ISA – Issue 36 – Maturity Date 31 July 2026

Product
Balance
AER
Gross
 
Two Year Fixed Rate Cash ISA – Issue 36 – Maturity Date 31 July 2026
£5,000 or more
4.30%
4.30%
Product
Two Year Fixed Rate Cash ISA – Issue 36 – Maturity Date 31 July 2026
Balance
£5,000 or more
AER
4.30%
Gross
4.30%
  • Open with a minimum of £5,000.
  • You can save your 2024/25 ISA allowance in this account.
  • Partial withdrawals or transfers out are not allowed until the first working day after maturity, Monday 3rd August 2026.
  • A Cash ISA is a savings account where interest is paid tax free. It is available to UK residents who are aged 16 and over on or before the 5th of April 2024, subject to any individual product terms.
  • A passbook will be issued when the account is opened.
  • This is not a Flexible ISA.
Summary Box
Account NameTwo Year Fixed Rate Cash ISA – Issue 36 – Maturity Date 31 July 2026
What is the Interest Rate?
    • Interest Rate is fixed and is 4.30% Gross/AER*.
    • Interest is calculated daily, and paid on the 31st of July 2024, 31st July 2025, and on the maturity the 31st of July 2026
    • Interest can be added to the account, paid to your bank account or to another account you hold with the Society (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 of July 2026
What would the estimated balance be after 24 months based on a £5,000 deposit?
    • If you deposited £5,000 in this account, after 24 months you would have £5,439.25.
    • 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 will need to provide a completed application form, the minimum investment and proof of your identity and address.
    • The minimum investment is £5,000, the maximum is £150,000.
    • You can save your 2024/25 ISA allowance in this account.
    • ISA Transfers from previous years subscriptions are permitted into this account. The transfer request must be with The Loughborough no later than the 31st of August 2024. We will not accept any transfer applications after this date.
    • You will not be able to pay in your 2025/26 or 2026/27 ISA allowance into this account.
    • Subscriptions can be made by lump sum or instalments.
    • Available to new members and existing members aged 16 years and over as at the start of the current tax year, residing in the United Kingdom.
    • This account can be operated via branch and post.
    • A passbook will be issued when the account is opened.
Can I withdraw money?
    • Partial withdrawals or transfers out are not allowed until the first working day after maturity, Monday 3rd August 2026.
    • Full closure or transfer out is allowed prior to maturity subject to a penalty equivalent to 180 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
    • The passbook must be presented when closure is requested.
    • The account will mature at midnight on the 31st of July 2026. On the day after maturity (1st August 2026) your funds (including interest, if applicable) will be transferred into the 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.

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.

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, 6 High Street, Loughborough LE11 2QB, 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