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Earn a fixed interest rate by putting away your savings for a fixed term.
These accounts offer you a fixed rate of interest over a set period - known as a term - spanning anything from one to three years.
Your interest returns could be higher with a fixed rate account, compared to an instant access account. The main reason for that is they're much less flexible.
Although you may be able to withdraw money, charges usually apply - cutting the value of any interest you've earned. But if you can afford to lock your money in, a fixed savings account can be an effective way to put your money to work.
Whether you’re saving for a planned project or just want the reassurance of a growing safety net, a fixed rate-savings account could help.
Compare fixed-rate and fixed-term savings accounts from Lloyds, including fixed cash ISAs and bonds.
Account |
Interest rate |
Minimum deposit |
Open |
Withdrawals |
Where next? |
---|---|---|---|---|---|
Account |
Interest rate 3.45% AER/tax-free fixed. Plus, an extra 0.20% AER/gross if you have a Lloyds Premier personal current account that's been open for at least 40 days. Choose to receive interest monthly or at the end of the term. |
Minimum deposit £500 |
Open For 1 year. Your account will then change to an Instant Cash ISA. |
Withdrawals By account closure or transfer only. Charges apply. |
Where next? |
Account |
Interest rate 3.35% AER/tax-free fixed. Choose to receive interest monthly or after each year. |
Minimum deposit £500 |
Open For 2 years. Your account will then change to an Instant Cash ISA. |
Withdrawals By account closure or transfer only. Charges apply. |
Where next? |
Account |
Interest rate 3.35% AER/gross fixed for a 1-year term. Plus, an extra 0.20% AER/gross if you have a Lloyds Premier personal current account that's been open for at least 40 days. 3.25% AER/gross fixed for a 2-year term. Interest is paid after each year. |
Minimum deposit £500 |
Open For 1 or 2 years. Your account will then change to a Standard Saver. |
Withdrawals By account closure only. Charges apply. |
Where next? |
Account Lend a Hand Fixed Savings AccountsThis account is for those who want to help a family member buy their first home through the Lend a Hand Mortgage Scheme. Only available if either you or the mortgage applicant have a Club Lloyds or Lloyds Premier current account. |
Interest rate 3.45% AER/gross fixed. Interest is paid after each year. |
Minimum deposit 10% of the property purchase price. |
Open For 3 years. Your account will then change to a Standard Saver. |
Withdrawals No withdrawals or early closure while your money is being held as security against a Lend a Hand Mortgage. |
Where next? |
Account Standard SaverIf you have any of the following accounts with us, it'll change into a standard saver at the end of its term.
|
Interest rate 1.05% AER/gross on balances from £1 to £24,999. 1.15% AER/gross on balances from £25,000 to £99,999. 1.20% AER/gross on balances from £100,000 or more. Interest is variable and applies to the full balance. It is paid at the same frequency as your original savings account. |
Minimum deposit £1 |
Open There's no end date. |
Withdrawals Unlimited. |
Where next? You can't apply directly for this account. |
Account Instant Cash ISAIf you have an adult cash ISA with us, it will change into this account at the end of its term. |
Interest rate 1.05% AER/tax-free on balances from £1 to £24,999. 1.15% AER/tax-free on balances from £25,000 to £99,999. 1.20% AER/tax-free on balances from £100,000 or more. Interest is variable and applies to the full balance. It is paid at the same frequency as your original ISA. |
Minimum deposit £1 |
Open There's no end date. |
Withdrawals Unlimited. |
Where next? You can't apply directly for this account. |
Tax treatment depends on individual circumstances and may change in the future.
Interest rates are subject to change. You can check current interest rates online at any time.
Visit the support hub for flexible ways to manage your fixed-rate savings account.