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Fixed-rate savings
Earn a fixed interest rate by putting away your savings for a fixed term.
What is a fixed-rate savings account?
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.
Compare fixed-rate savings accounts
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 3.60% 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? Learn more about 1 Year Fixed Rate Cash ISA. |
|
Account |
Interest rate 3.50% 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? Learn more about 2 Year Fixed Rate Cash ISA. |
|
Account |
Interest rate 3.40% 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. 3.30% 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? Learn more about Online Fixed Bond. |
|
Account Lend a Hand Fixed Savings Accounts This 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 3.50% 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? Learn more about Lend a Hand Fixed Savings Account. |
|
Account If 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 direct for a Standard Saver. |
|
Account If 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 direct for an Instant Cash ISA. |
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.
Why choose a Lloyds fixed-savings account?
Let’s look at the details
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