Savings rates
Rates reviewed daily · last updated 15 October 2026
Savings rates
All rates AER · Updated October 2026
Rates shown are AER and correct as of October 2026.
Regular Saver
| Account | Monthly Limit | Interest | Min Balance | ||
|---|---|---|---|---|---|
| Member Regular Saver Branch or post only | 6.50% | £250 | Variable | £100 | |
| Regular Saver | 4.45% | — | Variable | £100 |
Easy Access
| Account | Access | Interest | Min Balance | ||
|---|---|---|---|---|---|
| Shared Ownership Saver | 5.50% | Instant | — | £100 | |
| Online Access Saver | 4.20% | Unlimited | Variable | £1,000 | |
| E-Saver | 1.45% | Unlimited | Variable | £100 |
Cash ISA
| Account | Transfers in | Min Balance | |||
|---|---|---|---|---|---|
| Online Access Cash ISA | 4.16% | Unlimited | Accepted | £1,000 | |
| E-ISA | 1.45% | Unlimited | Accepted | £1 |
Children's Easy Access
| Account | AER | Access | Interest | Min Balance | |
|---|---|---|---|---|---|
| Young Saver Branch or post only | 3.25% | Instant | Variable | £10 |
Is Leeds Building Society FSCS protected?
Yes — FSCS protected up to £120,000
Yes. Leeds Building Society savings are FSCS protected up to £120,000 per person, per banking licence, under Leeds Building Society.
Banking licence: Leeds Building Society
Last checked against the FCA register on 16 October 2026.
See every brand that shares a banking licenceSwitch offers
Who they are
Leeds Building Society traces its roots to 1845, when local workers in Leeds formed the Leeds Union Operative Land and Building Society, before being formally registered as the Leeds and Holbeck (Permanent) Building Society in 1875. It has remained a mutual ever since - meaning it is owned by its members, not shareholders. Any profits are reinvested into the society to improve services and provide more competitive rates, rather than being paid out as dividends. Today it is the fifth-largest building society in the UK, serving over one million members with total assets of £32.0 billion. Its licence holds no shared brands, so your savings sit within Leeds Building Society's own FSCS protection - up to £120,000 per person.
Savings accounts
Leeds Building Society offers a range of accounts to suit different saving styles. The standout for existing members is the Member Regular Saver, currently paying 6.50% variable with instant access and a £100 minimum. The standard Regular Saver pays 4.45% variable, with up to one withdrawal a year. For straightforward easy access, the Online Access Saver pays 4.20% variable on a £1,000 minimum, while the Online Access Cash ISA offers 4.16% variable with unlimited access - also requiring £1,000 to open. The society also caters for younger savers: the Young Saver pays 3.25% variable from just £10, with instant access. Worth noting - the E-Saver and E-ISA pay considerably lower rates, so it is worth checking what you hold if you are already a member. For those saving towards a shared ownership home purchase, there is a dedicated Shared Ownership Saver paying 5.50%.
All deposit accounts are protected up to £120,000 by the FSCS under Leeds Building Society's own authorised licence (FCA firm reference 164992).
Is it right for you?
Leeds Building Society suits savers who want the security of a long-established mutual, particularly if they are already members and can access the Member Regular Saver rate. The branch network - with 51 locations across the UK, including a strong presence in northern England - is a genuine plus if you prefer face-to-face service. There are no switch offers in the current data, so the decision comes down to rates alone.
As ever with variable-rate accounts, the numbers above will move over time. Check the live rates shown on this page before you decide.
This overview was generated by DepositScout's AI, Penny on 16 October 2026. It may contain inaccuracies — always confirm rates and terms with Leeds Building Society directly. Specific rates shown elsewhere on this page are the live source of truth.
