Savings & Investments

Access Account Rates and Key Features

Current variable rates effective as at 31 May 2011

Our Access accounts offer competitive rates of interest and access to your cash.

Click on the full details icon to see the full details of the account.

Mortgage Saver
Investment	Gross Rate§ p.a. /AER†% (variable)	Withdrawal Terms	Payment of Interest
£20+	Current Previous 1.50 -	Up to 2 withdrawals can be made per calendar year without notice or loss of interest subject to the minimum balance of £20 being maintained. If you need to make a third withdrawal, or the account balance falls below £20, the account will be closed.	Annual: Interest is paid annually on 31 January (commencing 31 January 2012). Interest can either be credited to the account or transferred either to another building society/bank account or to another account held with the Society.
Minimum investment and operating balance £20. Maximum investment and operating balance £50,000

Albion Saver
Investment	Gross Rate§ p.a. /AER†% (variable)	Withdrawal Terms	Payment of Interest
£100,000+ £50,000+ £25,000+ £10,000+ £2,500+	Current Previous 2.25 2.50 1.80 2.05 1.75 2.00 1.70 1.95 1.35 1.60	Unlimited withdrawals can be made, without notice or loss of interest subject to the minimum balance of £2,500 being maintained. If the account balance falls below £2,500 the account will be closed. Cash transactions are not permitted on this account. Deposits and withdrawals can only be made by cheque.	Annual: Interest is paid annually on 1 June. Interest can either be credited to the account or transferred either to another building society/bank account or to another account held with the Society.
Minimum investment and operating balance £2,500. Maximum investment and operating balance £ 1,000,000 (£2,000,000 for joint accounts).

Albion Cheque
Investment	Gross Rate§ p.a. /AER†% (variable)	Withdrawal Terms	Payment of Interest
£100,000+ £50,000+ £25,000+ £10,000+ £2,500+	Current Previous 2.25 2.50 1.80 2.05 1.75 2.00 1.70 1.95 1.35 1.60	Unlimited withdrawals can be made without notice or loss of interest. Cash transactions are not permitted on this account. The minimum balance of £2,500 must be maintained in order to receive the interest rate detailed opposite.	Annual: Interest is credited to the account on 1 June.
Minimum balance £2,500. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts).

Flexible Freedom (Annual Interest)
Investment	Gross Rate§ p.a. /AER†% (variable)	Withdrawal Terms	Payment of Interest
£500+	Current Previous 2.00 2.25	Unlimited withdrawals can be made without notice or loss of interest subject to the minimum balance of £500 being maintained. If the account balance falls below £500, the account will be closed.	Annual: Interest is paid annually on 1 September. Interest can either be credited to the account or transferred either to another building society/bank account or to another account held with the Society.

Flexible Freedom (Monthly Interest)
Investment	Current Rate	Previous Rate	Withdrawal Terms	Payment of Interest
£500+	Gross§ AER† 1.75 1.76	Gross§ AER† 2.00 2.02	Unlimited withdrawals can be made without notice or loss of interest subject to the minimum balance of £500 being maintained. If the account balance falls below £500, the account will be closed.	Monthly: Monthly interest is paid on the last working day of the month. Monthly interest must be transferred either to another building society/bank account or to another account with the Society.
Minimum investment and operating balance £500. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts). At least one direct pension credit must be paid into the account each month.

i-Save
Investment	Gross§ Rate p.a. /AER†% (variable)	Withdrawal Terms	Payment of Interest
£10+	Current Previous 1.25 1.50	Unlimited withdrawals can be made without notice or loss of interest subject to the minimum balance of £10 being maintained. If the account balance falls below £10, the account will be closed.	Annual: Interest is paid annually on 1 January. Interest can either be credited to the account or transferred either to another building society/bank account or to another account held with the Society.
Minimum investment and operating balance £10. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts).

Premier Current
Investment	Gross Rate§ p.a. /AER†% (variable)	Withdrawal Terms	Payment of Interest
£150,000+ £100,000+ £25,000+ £100+	Current Previous 1.25 1.25 0.85 0.85 0.30 0.30 0.05 0.05	Unlimited withdrawals can be made without notice or loss of interest. The minimum balance of £100 must be maintained in order to receive the interest rate detailed opposite.	Annual: Interest is paid annually on 1 September.
Minimum investment and operating balance £100. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts).

Premium Access (Annual Interest)
Investment	Gross Rate§ p.a. /AER†% (variable)	Withdrawal Terms	Payment of Interest
£100,000+ £25,000+ £2,500+	Current Previous 1.25 1.50 1.00 1.25 0.75 1.00	You can make up to 5 withdrawals per calendar year, without notice or loss of interest, subject to the minimum balance of £2,500 being maintained. If you need to make a sixth withdrawal during the calendar year or the account balance falls below £2,500 your account will be closed.	Annual: Interest is paid annually on 31 October. Interest can either be credited to the account or transferred either to another building society/bank account or to another account held with the Society.

Premium Access (Monthly Interest)
Investment	Current Rate	Previous Rate	Withdrawal Terms	Payment of Interest
£100,000+ £25,000+ £2,500+	Gross§ AER† 1.00 1.00 0.75 0.75 0.50 0.50	Gross§ AER† 1.25 1.26 1.00 1.00 0.75 0.75	You can make up to 5 withdrawals per calendar year, without notice or loss of interest, subject to the minimum balance of £2,500 being maintained. If you need to make a sixth withdrawal during the calendar year or the account balance falls below £2,500 your account will be closed.	Monthly: Monthly interest is paid on the last working day of the month. Monthly interest must be transferred either to another building society/bank account or to another account with the Society.
Minimum investment and operating balance £2,500. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts).

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§ Gross means the rate of interest payable before the deduction of income tax at the rate specified by law. The tax treatment depends on the individual circumstances of each customer and may be subject to change in the future. † AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.

Leeds Building Society is a member of the Building Societies’ Association. The Society is a participant in the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000, compensation may be available if the Society cannot meet its liabilities in respect of this product, please see the General Investment Terms and Conditions for full details.

The Society is covered by the Financial Ombudsman Service. We may monitor and/or record your telephone conversation with the Society to ensure consistent service levels (including staff training). The Society's main business is the provision of savings products, mortgages and general insurance. The Society offers some investment products that may be operated through branches and by post and certain products which can be operated by post only.

Leeds Building Society is authorised and regulated by the Financial Services Authority and our registration number is 164992. You can check this on the FSA register by visiting the FSA website at www.fsa.gov.uk or by contacting the FSA on 0845 606 1234.

Other taxes or costs may exist that are not paid by Leeds Building Society.

The Society is authorised and regulated by the Financial Services Authority and our FSA registration number is 164992.