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Fixed Rate Cash ISA

Fixed tiered interest rates. Earn from 1.5% AER/Tax Free on balances of £3,000 to £8,999 or up to 3.20% AER/Tax Free on balances of £30,000 or more. View Fixed Rate Cash ISA interest rates.
Interest rate fixed for 12 months from account opening.
Interest calculated on a daily basis and paid at account maturity.
Tax-free savings from previous years ISA allowances to maximise savings.
Continued growth - at the end of the 12 month fixed rate period, your account pays interest at our standard variable Cash ISA Saver rate.
Manage your account through Internet Banking, PhoneBank® or branch.
Save up to £3,600 each tax year. From 6 October 2009 you can save up to £5,100 each tax year if you were born on or before 5 April 1960.

How do I apply?

To apply for a Fixed Rate Cash ISA, you need to be 16 years or older, a UK resident, and have your national insurance number to hand. Subject to availability. Tax treatment may vary.

Online through Internet banking
As long as you’re registered for Internet Banking you can open your new Fixed Rate Cash ISA account in moments.

Click here to apply for a Fixed Rate Cash ISA.

By Phone
Whether you are a new or existing customer call us on
0800 015 0060 Mon-Fri 8am-10pm and 9am-6pm at weekends.

At your local branch
Visit your Lloyds TSB Branch with proof of identity and we'll open the account for you.

What proof of Identity can I use?

Fixed Rate Cash ISA important information

View Fixed Rate Cash ISA Summary box.

Back to savings accounts.

How the account works

How the Fixed Rate Cash ISA account works:

Minimum opening deposit is £3,000.
You can save up to £3,600 each tax year. From 6 October 2009 you can save up to £5,100 each tax year if you were born on or before 5 April 1960.
The Tax year runs from 6th April to the 5th April the following year.
Instant access but any withdrawal within the 12 month fixed period will mean the loss of 90 days interest on the amount withdrawn.
If your balance drops below £3,000 you will not receive interest on your account until your balance goes back above this point.
You cannot deposit more than £3,600 (£5,100 if you were born on or before 5 April 1960) in a tax year, even if you make a withdrawal. For example, if you save £3,600 then take out £500, you cannot make another deposit until the next tax year.
You can transfer your existing ISA into us, with our
ISA transfer form.
You are restricted in the amount you can save, so opening a Cash ISA will limit the amount that can be invested in a Stocks and Shares ISA. If you want to know more, staff at your local Lloyds TSB branch will be happy to explain.

Interest Rates

Fixed Rate Cash ISA
Balance	Annual Interest
Balance	AER%/Tax-free
£30,000+	3.20
£21,000+	3.00
£15,000+	2.50
£9,000+	2.00
£3,000+	1.50
£1+	0.00

These interest rates are correct as at 27/09/2009.

Explanation of terms

Tax-free is the contractual rate of interest payable where interest is exempt from income tax. Tax rules may change.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product, which quotes an interest rate, will contain an AER you will be able to compare more easily what return you can expect from your savings over time. Interest is paid annually.

Apply

Apply for a Fixed Rate Cash ISA

To apply for a Fixed Rate Cash ISA, you need to be 16 years or older, a UK resident, and have your national insurance number to hand. Subject to availability. Tax treatment may vary.

Online through Internet banking
As long as you’re registered for Internet Banking you can open your new Fixed Rate Cash ISA account in moments.

Click here to apply for a Fixed Rate Cash ISA.

By Phone
Whether you are a new or existing customer call us on
0800 015 0060 Mon-Fri 8am-10pm and 9am-6pm at weekends.

At your local branch
Visit your Lloyds TSB Branch with proof of identity and we'll open the account for you.

What proof of Identity can I use?

Fixed Rate Cash ISA important information

View Fixed Rate Cash ISA Summary box.

Back to savings accounts.

Let us help you

How does an ISA work?
For everything you need to know about tax-free saving with ISAs, download our brochure.

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Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority. FSA authorisation can be checked on the FSA’s Register at: www.fsa.gov.uk/register. Lloyds TSB Bank plc and Lloyds TSB Scotland plc are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service.

The Lloyds TSB Cash ISA does not meet the requirements of a deposit-based stakeholder product.
PhoneBank® is a registered trademark of Lloyds TSB Bank plc.
*Tax-free is the contractual rate of interest payable where interest is exempt from income tax. Tax rules may change. The favourable tax treatment for Cash ISA’s depends on your individual circumstances and may vary in the future AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product, which quotes an interest rate, will contain an AER you will be able to compare more easily what return you can expect from your savings over time.