Savings and Investments

Savings & Investments

Easy Access Account Rates and Key Features

Current variable rates effective as at 22 October 2009
Limited issue rates effective from date shown by product name.
Interest rates are subject to variation.

Our Easy Access accounts offer competitive rates of interest and easy, penalty-free access to your cash.

Click the product name or full details icon to see full details of the account.

Albion Saver Full Details
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
 No notice. No loss of interest. Unlimited penalty free withdrawals can be made, via cheque and transfer only. Annual:
Interest is credited to the account on 1 June.
Notes: Minimum balance £2,500. Maximum balance £1,000,000 (£2,000,000 for joint accounts).
Family+ Account Full Details
Investment Gross Rate§ p.a.
/AER†% (variable)		 Withdrawal Terms Payment of Interest
 
£100+
Current
Previous
0.25
0.75
 Instant access and unlimited withdrawals can be made as long as the £100 minimum operating balance is maintained. Annual:
Paid on 1 September (commencing 1 September 2008) 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.
Notes: Minimum balance £100. Maximum balance £100,000.
Family+ Notice Account Full Details
Notice Period Gross Rate§ p.a.
/AER†% (variable)		 Withdrawal Terms Payment of Interest
 
30 days
60 days
90 days
365 days
Current
Previous
0.60
0.60
0.65
0.65
0.70
0.70
1.00
1.00
 Withdrawals from each Family+ Notice Account are determined by the notice period you have chosen, either 30, 60, 90 or 365 days or are subject to 30, 60, 90 or 365 days loss of interest on amount withdrawn. Withdrawals are subject to the minimum balance of £20 being maintained. Annual:
Paid on 1 September (commencing 1 September 2008) 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.
Notes: Minimum balance £20. Maximum balance £25,000.
Albion Cheque Full Details
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
 Immediate withdrawal. No notice, no loss of interest. Direct Debit, Standing Order, Bill Payment, Bank Transfer facilities available. Annual:
Interest is credited to the account on 1 June.
Notes: Minimum opening and operating balance £2,500. 0.10% Gross Rate§ p.a./AER† paid below £2,500 until minimum operating balance is restored. Subject to status. No cash transactions.  Cheque Book & £250 Guarantee Card.
Flexible Freedom (Annual Interest) Full Details
Investment Gross Rate§ p.a.
/AER†% (variable)		 Withdrawal Terms Payment of Interest
 
£500+
Current
Previous
2.00
2.25
 Immediate Withdrawal. No notice, no loss of interest. Annual:
Interest credited to account 1 September by direct bank transfer or to another account with the Society.
Flexible Freedom (Monthly Interest) Full Details
Investment Current Rate Previous Rate Withdrawal Terms Payment of Interest
 
£500+
Gross§
AER†
1.75
1.76
Gross§
AER†
2.00
2.02
 Immediate withdrawal. No notice, no loss of interest. Monthly:
Interest paid on the last day of each month by direct bank transfer or to another account with the Society.
Notes: Minimum investment and operating balance £500. One direct pension credit must be paid into the account each month.
i-Save Full Details
Investment Gross§ Rate p.a.
/AER†% (variable)		 Withdrawal Terms Payment of Interest
 
£10+
Current
Previous
1.25
1.50
PLUS 0.25% on YoungSaver/The Vault transferred funds
 Immediate withdrawal. No notice, no loss of interest. Annual:
Interest credited to account 1 January.
Notes: Available to 18-29 year olds. Minimum balance £10. Incentives apply
Premier Current Full Details
Investment Gross Rate§ p.a.
/AER†% (variable)		 Withdrawal Terms Payment of Interest
 
£150,000+
£100,000+
£25,000+
£1+
Current
Previous
1.25
1.25
0.85
0.85
0.30
0.30
0.05
0.05
 Immediate withdrawal. No notice, no loss of interest. Direct Debit, Standing Order, Bill Payment, Bank Transfer facilities available. Annual:
Interest is credited to the account on 1 September.
Notes: Minimum opening balance £100. Choice of Passbook or Cheque Book and Cheque Guarantee Card. Free banking when in credit. Subject to status.
Premium Access (Annual Interest) Full Details
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
 Immediate withdrawal. No notice, no loss of interest. Up to five withdrawals each calendar year*. Annual:
Interest paid 31 October. Can be credited to account or transfered to another Leeds Building Society account or paid to your bank account.
Premium Access (Monthly Interest) Full Details
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
 Immediate withdrawal. No notice, no loss of interest. Up to five withdrawals each calendar year*. Monthly:
Interest paid on the last day of each month by direct bank transfer or to another account with the Society.
Notes: *Subject to the minimum investment of £2,500 being maintained. If you need to make a sixth withdrawal during any calendar year, your account will be closed.
RegularSaver (Issue 2) Full Details
Investment Gross Rate§ p.a.
/AER†% (variable)		 Withdrawal Terms Payment of Interest
 
£20+
Per Month
Current
Previous
3.05
3.05
Includes a 3.00% bonus p.a.
(see notes)
 One withdrawal is permitted each Bonus period. If a second withdrawal is required you will not qualify for a Bonus in respect of that period. Annual:
Interest and Bonus paid on 1 March.
Notes: The minimum monthly payment is £20, the maximum monthly payment is £500. Variable 3.00% Bonus paid annually if all monthly payments are made with no more than one withdrawal.
Dinosaver Full Details
Investment Gross Rate§ p.a.
/AER†% (variable)		 Withdrawal Terms Payment of Interest
 
£10+
Current
Previous
1.50
1.75
 Withdrawals must be made by a parent/guardian. Unlimited withdrawals can be made as long as the £10 minimum operating balance is maintained. Annual:
Interest is paid on 1 January. Interest is credited to the account.
Notes: Minimum investment and operating balance is £10. The maximum investment and operating balance is £1,000,000. Age Qualification: 0-11 years old inclusive to open an account. At 12 years old, your DinoSaver account will automatically change to the 12-17 year old account available at the time.
The Vault Full Details
Investment Gross Rate§ p.a.
/AER†% (variable)		 Withdrawal Terms Payment of Interest
 
£10+
Current
Previous
1.50
1.75
 You can make one withdrawal of up to £250 per week. If you need to withdraw more than £250 or make a further cheque withdrawal within 7 days, a parent or guardian must countersign for the withdrawal. Annual:
Interest is paid on 1 January. Interest is credited to the account.
Notes: Minimum investment and operating balance is £10. The maximum investment and operating balance is £1,000,000. Age Qualification: 12-17 years old inclusive to open an account. On your 18th birthday, we will transfer your account, including interest, to the Loyalty I-Save account.
§ Gross means the interest rate payable before the deduction of income tax. † 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. Payments under the Scheme are limited to a maximum of £50,000 of an investor's total shares and/or deposits in a society. Most investors are covered, including individuals and small firms. A small number of categories of shares and deposits are not covered, for example deferred shares - permanent interest bearing shares. Although most shares and deposits are denominated in sterling, all other currencies are covered. Further details are available on request from the Society.

The Society is covered by the Financial Ombudsman Service. Leeds Building Society offers some investment products that may be operated through branches and by post and certain products which can be operated by post only.

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

© Leeds Building Society