Cash ISACompare 1 Year Fixed Rate Cash ISAs

Loughborough Building Society One Year Fixed Rate Cash ISA Review

A competitive one-year cash ISA from Loughborough Building Society, with a £1,000 minimum deposit. It ranks 19th of 60 one-year cash ISAs we track.

Fixed rate · 1 year

4.70%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£300,000

Access

At maturity only

Interest paid

Yearly

Transfers in

Accepted

How It Stacks Up

Ranks 19th of 60

1-year cash ISAs we track

Above average
This account 4.70%
UK CPI (Aug 2026)
3.10%
Pays 1.60% more
Average 1-year cash ISA
4.43%
Pays 0.27% more
Best 1-year cash ISA
4.97%
Pays 0.27% less

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

Compare cash ISAs

A Good Fit For

  • Pro: New and existing savers

Worth Weighing Up

  • Con: Your money is locked in for 1 year
  • Con: You need at least £1,000 to open it
  • Con: Not flexible: money you withdraw can't be replaced without using more allowance

Good to Know

Partial withdrawals or transfers out are not allowed until the first working day after maturity, Monday 1st November 2027. Full closure or transfer out is allowed prior to maturity subject to a penalty equivalent to 90 days loss of interest.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Loughborough Building Society's Cash ISA

What you could earn with Loughborough Building Society's One Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£47.00

At 4.7% AER

£5,000 saved

£235

At 4.7% AER

£10,000 saved

£470

At 4.7% AER

£300,000 saved

£14,100

At 4.7% 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 One Year Fixed Rate Cash ISA

Jan WatermannCo-Founder, DepositScout

Loughborough Building Society's one-year fixed cash ISA pays 4.70%, which sits above the cash ISA market average but 0.55% behind the category leader at 5.25%. It beats August 2026 CPI of 3.1% by 1.60%, so you are at least preserving real value. The minimum is £1,000 and there is no access until maturity, so only commit money you can leave untouched for the full year. If you want a slightly better rate, Shawbrook and Charter Savings Bank both offer 4.77% on a comparable one-year fixed cash ISA.

Compare Cash ISAs

2 alternatives to Loughborough Building Society's One Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the One Year Fixed Rate Cash ISA

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