Piggy Bank

Savings & Investments

ISA Tax-Free Accounts
Interest Rates and Key Features

Current rates correct as at 31 January 2012

Save tax-free with a range of Individual Savings Accounts (ISAs).

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

1 Year Fixed Rate ISA (Issue 29) Full Details
Investment Tax-free§ p.a.
/AER†% (Fixed) 		Withdrawal Terms Payment of Interest
£1+
3.25
 Withdrawals/transfers can be made of up to 25% of your capital investment prior to maturity (31 January 2013) without notice or loss of interest. If you exceed this limit, the account will be subject to 90 days loss of interest or an equivalent amount on the amount withdrawn/transferred. Annual:
Interest is paid on maturity (31 January 2013). 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.
The minimum investment and operating balance is £1 and the maximum investment is £5,340 in 2011/12 tax year. Previous years' subscriptions are not allowed.
1 Year Fixed Rate ISA (Issue 30) Full Details
Investment Tax-free§ p.a.
/AER†% (Fixed) 		Withdrawal Terms Payment of Interest
£1+
2.25
 Withdrawals/transfers can be made of up to 25% of your capital investment prior to maturity (28 February 2013) without notice or loss of interest. If you exceed this limit, the account will be subject to 90 days loss of interest or an equivalent amount on the amount withdrawn/transferred. Annual:
Interest is paid on maturity (28 February 2013). 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.
The minimum investment and operating balance is £1 and the maximum investment is £5,340 in 2011/12 tax year plus previous years’ subscriptions, whether held with the Society or another ISA provider whilst the issue remains open for further investment.
2 Year Fixed Rate ISA (Issue 33) Full Details
Investment Tax-free§ p.a.
/AER†% (Fixed) 		Withdrawal Terms Payment of Interest
£1+
3.00
 Withdrawals/transfers can be made of up to 25% of your capital investment prior to maturity (28 February 2014) without notice or loss of interest. If you exceed this limit, the account will be subject to 120 days loss of interest or an equivalent amount on the amount withdrawn/transferred. Annual:
Interest is paid annually on 28 February (commencing 28 February 2013) and on maturity (28 February 2014). 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.
The minimum investment and operating balance is £1 and the maximum investment is £5,340 in 2011/12 tax year plus previous years' subscriptions, whether held with the Society or another ISA provider.
3 Year Fixed Rate ISA (Issue 31) Full Details
Investment Tax-free§ p.a.
/AER†% (Fixed) 		Withdrawal Terms Payment of Interest
£1+
3.05
 Withdrawals/transfers can be made of up to 25% of your capital investment prior to maturity (28 February 2015) without notice or loss of interest. If you exceed this limit, the account will be subject to 120 days loss of interest or an equivalent amount on the amount withdrawn/transferred. Annual:
Interest is paid annually on 28 February (commencing 28 February 2013) and on maturity (28 February 2015). 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.
The minimum investment and operating balance is £1 and the maximum investment is £5,340 in 2011/12 tax year plus previous years' subscriptions, whether held with the Society or another ISA provider.
Capital Growth Account 11 - Cash ISA Option Full Details
Investment Gross Rate§ p.a.
/AER†% (variable)		 Withdrawal Terms Payment of Interest
£5,340
See Product Details
See Product Details
See Product Details
Minimum investment and operating balance £5,340. For eligibility, restrictions and full terms and conditions click on the full details icon.
Loyalty ISA - Existing members only
(Includes account formerly known as Loyalty TESSA Only ISA)		 Full Details
Investment Tax-free§ p.a.
/AER†% (variable)		 Withdrawal Terms Payment of Interest
 
£1+
Current
Previous
1.50
1.75
 Unlimited withdrawals can be made without notice or loss of interest, subject to the minimum operating balance of £1 being maintained. Annual:
Interest is paid annually on 5 April.
Minimum investment and operating balance £1. Maximum investment and operating balance £5,340 in the 2011/12 tax year (plus previous years' subscriptions whether held with the Society or another ISA provider).
Instant ISA
(Includes account formerly known as TESSA Only ISA)		 Full Details
Investment Tax-free§ p.a.
/AER†% (variable)		 Withdrawal Terms Payment of Interest
 
£1+
Current
Previous
1.30
1.55
 Unlimited withdrawals can be made without notice or loss of interest, subject to the minimum operating balance of £1 being maintained. Annual:
Interest is paid annually on 5 April.
Minimum investment and operating balance £1. Maximum investment and operating balance £5,340 in the 2011/12 tax year (plus previous years' subscriptions whether held with the Society or another ISA provider).
Online ISA Full Details
Investment Tax-free§ p.a.
/AER†% (variable)		 Withdrawal Terms Payment of Interest
 
£10+
Current
Previous
1.30
1.55
 Unlimited withdrawals/transfers can be made to your Nominated Account by Bacs without notice or loss of interest. Annual:
Interest is paid annually on 5 April.
Minimum investment and operating balance £10. Maximum investment and operating balance £5,340 in the 2011/12 tax year (plus previous years' subscriptions whether held with the Society or another ISA provider).
Accounts cease to be a cash ISA if ISA Regulations are not satisfied.

§ Tax-free means that interest payable is exempt from income tax. † AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year. Cash ISAs are available to individuals aged 16 and over who are resident and ordinarily resident in the UK for tax purposes.

Please note: the tax treatment of ISAs may change. This is a cash ISA. You may only subscribe to (invest in) one cash ISA in each tax year (although in any such year you may also subscribe to a stocks and shares ISA, subject to the overall ISA subscription limits). By opening a cash ISA you will be limiting the amount you can subscribe to a stocks and shares ISA. For further information about ISAs (including subscription limits) please refer to the Society’s leaflet ‘Easy Step Guide to Tax-free Savings’.

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.

© Leeds Building Society