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Fixed Rate Savings Account

Secure Your Savings with a Fixed Rate Savings Account

Enjoy a guaranteed return of 4.00% AER with our fixed rate savings account while making a positive difference to the Serve and Protect family.

Open a Fixed Saver
Fixed Saver
FSCS logo - ensuring protection for depositors and investors in the UK.

Save Smarter with Our Fixed Rate Savings Account

At Serve and Protect, our Fixed Rate Savings Account offers you certainty and peace of mind. Lock away your savings for a fixed term and benefit from guaranteed returns.

Plus, your funds are protected by the FSCS, giving you added security. Whether you’re saving for the future or a specific goal, this is your opportunity to grow your money confidently.

Open a Fixed Saver
  • Lock your funds away for a fixed period.
  • Earn a guaranteed return on your savings.
  • Access your funds once your account matures.

Why Choose Our Fixed Rate Savings Account?

Our fixed rate savings account is designed to give you peace of mind and long-term value. Here’s why it’s the perfect choice for your financial goals:

Guaranteed Returns

Secure a competitive interest rate and ensure your savings grow steadily, regardless of market fluctuations.

Purpose-Driven Saving

Every pound you save supports vital roles in our community, creating a positive impact alongside your returns.

Hassle-Free Process

Applying is simple and straightforward, with no hidden fees or surprises.

Trust and Reliability

Your savings are protected by the FSCS (Financial Services Compensation Scheme), providing you with security and peace of mind.

A woman writing at a desk while reviewing details about a Fixed Cash ISA, focusing on saving options.
A woman writing at a desk while reviewing details about a Fixed Cash ISA, focusing on saving options.
A woman writing at a desk while reviewing details about a Fixed Cash ISA, focusing on saving options.

Summary Box for the Fixed Saver

Here’s a quick rundown of the key points about our Fixed Saver, so you have everything you need to know before applying.

Account name

Fixed Saver Issue 9

What is the interest rate?

4.00% gross/AER

Can Serve and Protect change the interest rate?

No, the interest rate is fixed. It won’t change until the account matures on 31 July 2026.

What would the estimated balance be at the end of the fixed term, based on a £10,000 deposit?

If you added £10,000 to your 12 Month Fixed Saver account before 30th June 2025 and made no withdrawals, then at 31st July 2026 your balance would be £10,400.

How do I open and manage my account?

To open an account you must: 

  • Be aged 16 or over 
  • You must be a member of Serve and Protect

You can open an account:

  • Online by completing an application here
  • You must deposit a minimum of £1,000 before the funding window closes on 30 June 2026.

There is a maximum balance of £10,000.

Once we open your account, you will need to pay the minimum balance of £1,000 by 30 June 2025. You can do this in one lump sum or through multiple payments. 

You can pay your initial deposit(s) by depositing funds from another provider or by transferring from another account held with us.

No further deposits are allowed after the funding window closes on 30 June 2025. 

How do I manage this account and get in contact?

  • You can manage your account through online banking, through our mobile app, and over the phone

Can I withdraw money?

No. You can’t make withdrawals from this account until maturity. You should consider whether the amount you want to deposit leaves you with adequate emergency funds.

At the end of the fixed term, your account matures. The funds will remain in the your Fixed Saver account and stop earning interest. You will have the option to move your funds to a new Fixed Saver (if available), transfer to another account with us, or withdraw the funds.

On maturity, you can access your money over the phone or through online banking and through our mobile app.

Additional information

You might need to pay tax on the interest or dividend you receive from your savings accounts with us. This will depend on your personal financial situation. You can find more information here.

Are you ready to open our Fixed Saver? Click here to get started.

Ready to Apply?

If you’re already a member, our Fixed Saver account is just the thing for you. Just fill out the form below to get started. It’s that simple! 

Fixed Rate Savings Account

  • Please Note: Our Fixed Saver is currently closed for applications.

Exclusive Fixed Rate Savings Account

Applications for our fixed rate savings account will reopen soon—stay tuned! Mark your calendar so you don’t miss the next launch and make sure to become a member if you're not already!.

Add to Calendar
Fixed Saver
FSCS logo - ensuring protection for depositors and investors in the UK.

Your Opportunity to Save Securely with a Fixed Rate Savings Account

At Serve and Protect, we want to help our members save securely with our Fixed Saver account. You can lock your money away for a fixed term and earn a guaranteed return. 

Our Fixed Rate Savings Account offers guaranteed returns and the peace of mind of FSCS protection. While our current funding window is closed, we invite you to join the waitlist and be the first to know when applications reopen.

Add to Calendar
  • Lock your funds away for a fixed period.
  • Earn a guaranteed return on your savings.
  • Access your funds once your account matures.

Why Choose a Fixed Rate Savings Account?

A fixed rate savings account is a popular choice for those seeking stability and predictable growth for their savings. Here are some of the key benefits that attract savers to this type of account:

Certainty and Security

With a fixed interest rate, you’ll always know exactly how much your savings will grow over time, giving you peace of mind when planning for the future.

No Market Fluctuations

Unlike other accounts, fixed rate savings aren’t affected by market ups and downs. This makes them an excellent option for those who prefer a low-risk way to grow their money.

Encourages Long-Term Savings

Fixed rate accounts often require funds to be locked away for a set period. This helps foster disciplined saving habits while ensuring your money works harder for you.

Great for Meeting Goals

Whether you’re saving for a big purchase, a holiday, or long-term financial security, fixed rate savings accounts offer a dependable way to achieve your personal goals.

Choosing a fixed rate savings account means opting for a straightforward and reliable way to build your financial confidence.

A woman writing at a desk while reviewing details about a Fixed Cash ISA, focusing on saving options.
A woman writing at a desk while reviewing details about a Fixed Cash ISA, focusing on saving options.
A woman writing at a desk while reviewing details about a Fixed Cash ISA, focusing on saving options.

Mark Your Calendar

Stay ahead by being the first to know when the Fixed Rate Savings Account becomes available. Simply click the button below to add the next launch date to your calendar and receive a timely reminder on the day.

Add to Calendar
FSCS (Financial Services Compensation Scheme) logo, representing financial protection and compensation for eligible savings.

Your Savings Are Safe

Feel secure knowing your savings are protected. With Serve and Protect, your funds are covered up to £85,000 by the Financial Services Compensation Scheme (FSCS). This means you can save with us confidently, knowing your money is in safe hands.

Learn More About FSCS Protection

Helping You Understand Savings Terms

We know financial jargon can be confusing, so we’ve simplified some of the key terms you might come across:

AER (Annual Equivalent Rate)

Interest earnings if compounded annually.

Gross

The interest rate paid before tax deductions.

Interest Rate

The interest rate is the percentage paid for keeping money in your savings account, helping your balance grow over time.

Maturity

Maturity marks the end of your account’s term. At this point, you can withdraw, reinvest, or explore other options.

Personal Savings Allowance

The amount of interest you can earn tax-free, depending on your tax band.

Term

The term refers to the fixed period during which your money is held in a savings account, earning interest at a predetermined rate. Once the term ends, the account reaches maturity, and you can access your funds.

Confused by financial jargon? Visit our Jargon Buster for more helpful explanations.

Archived Rates

Below, you’ll find an archive of the Fixed Saver rates we’ve paid, allowing you to easily track what was provided and when.

Product referenceEffective periodAnnual interest rates
Issue 8 (12 Months)01.03.2025 - 28.02.20264.25% / 4.25% AER / gross
Issue 7 (12 Months)01.12.2024 - 30.11.20254.50% / 4.50% AER / gross
Issue 6 (12 Months)01.09.2024 - 31.08.20255.00% / 5.00% AER / gross
Issue 5 (12 Months)01.06.2024 - 31.05.20254.25% / 4.25% AER / gross
Issue 4 (12 Months)01.02.2024 - 31.01.20255.00% / 5.00% AER / gross
Issue 3 (12 Months)01.11.2023 - 31.10.20244.50% / 4.50% AER / gross
Issue 2 (12 Months)01.08.2023 - 31.07.20245.00% / 5.00% AER / gross
Issue 1 (12 Months)01.05.2023 - 30.04.20243.50% / 3.50% AER / gross
Issue 1 (6 Months)01.05.2023 - 27.10.20233.04% / 3.00% AER / gross
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Important Information

We are currently assessing a high volume of loan applications. Thank you for your patience and understanding as we work to assist you as quickly as possible.

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Bank Holiday Hours

Please Note: We will be closed on Monday 5th May for the Early May Bank Holiday. Any transactions made after 2pm on Friday 2nd May will be processed on Tuesday 6th May. We appreciate your understanding.