Junior ISA

Loughborough Building Society Junior ISA Review

A competitive Junior ISA from Loughborough Building Society. It ranks 14th of 30 Junior ISAs we track.

Variable rate

3.65%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£9,000

Access

Withdrawals are not allowed before the child’s 18th birthday

Interest paid

Yearly

Transfers in

Accepted

How It Stacks Up

Ranks 14th of 30

Junior ISAs we track

Above average
This account 3.65%
UK CPI (Aug 2026)
3.10%
Pays 0.55% more
Average Junior ISA
3.30%
Pays 0.35% more
Best Junior ISA
4.15%
Pays 0.50% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare Junior ISAs

Pros and cons

  • Pro: New and existing savers
  • Con: The money is locked in until the child turns 18

Good to Know

Withdrawals are not allowed before the child’s 18th birthday, all amounts invested together with all interest accrued must remain in the JISA.

Please verify all details with the provider – see our Disclaimer

See all Loughborough Building Society accounts

Estimated returns with Loughborough Building Society's Junior ISA

What you could earn with Loughborough Building Society's Junior ISA.

Estimated interest

£1,000 saved

£36.50

At 3.65% AER

£5,000 saved

£182

At 3.65% AER

£9,000 saved

£328

At 3.65% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on Loughborough Building Society Junior ISA

Jan WatermannCo-Founder, DepositScout

Loughborough Building Society's Junior ISA pays 3.65%, which sits above the Junior ISA market average but is 0.50% behind the category leader at 4.15%, so it is a decent but not outstanding choice. The rate does beat August 2026 CPI of 3.1% by 0.55%, meaning the money grows in real terms, which matters for a long-horizon account like this. If you want to squeeze out a little more, NS&I's Junior ISA pays 3.70% or OakNorth Bank's Junior Cash ISA pays 3.73%. The key constraint here is the one baked into all Junior ISAs: no withdrawals until the child turns 18.

Compare Junior ISAs

2 alternatives to Loughborough Building Society's Junior ISA

Same type of account, closest on rate.

Common questions about the Junior ISA

D

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