Add Your Heading Text Here
Log In
Get Started
Log In
Get Started

Fixed Saver Account

Helping you save securely

With a Fixed Saver from Serve and Protect, you can enjoy a guaranteed return. This account is available every few months so keep an eye on this page for the next launch date!

  • Please Note: Our latest Fixed Saver has now closed and is no longer available to apply.

Guaranteed savings returns

This November you can benefit from a guaranteed return of 4.50% AER by opening the latest Fixed Saver account from Serve and Protect.

Financial Services Compensation Scheme logo

Serve and Protect: Your partner for fixed savings

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. There are no early withdrawals, no fees and our online application process is easy to follow. Keep an eye on this page to find out when you can next apply!

At Serve and Protect, we want to help our members save securely with our Fixed Saver account. You can save between £1,000 and £10,000 for a fixed term of 12 months with a guaranteed return of 4.50% AER. There are no early withdrawals, no fees and our online application process is easy to follow.

Get Started

Why choose our Fixed Saver account?

There’s a host of benefits to be had from our Fixed Saver product, including: 

No fees

There are no fees or charges associated with opening a Fixed Saver account.

Guaranteed Returns

You will receive a fixed interest rate for a 12-month term, giving you the certainty of knowing your earnings in advance.

Help Others

By saving with us, you’ll be making a positive impact on the lives of those who serve and protect.

Free life cover

If the worst should happen while you are a member of Serve and Protect, we’ll match the first £25,000 saved and your family will receive the total amount.

How our Fixed Saver account works

It’s never been easier to open a Fixed Saver account.

Apply online

Our application process takes only a few minutes to complete. Existing members are invited to apply anytime during November 2024. If you’re not yet a member, you’re welcome to apply for a Fixed Saver account; however, you must join us first. After becoming a member, simply return to this page to finalise your Fixed Saver application. Please note, new members must submit their applications by the 28th November 2024.

Fund your account

Once everything is all set up, your Fixed Saver account will be ready for deposits. If you mention in your application that you’re looking to add some new funds, we’ll send you all the details you need to make that deposit. Or, if you prefer to transfer funds from an existing account you already have with us, no worries at all! We’re here to take care of everything for you.

Count on your interest

Your account will reach maturity on the 30th November 2025. At this time, you will receive your interest payment, allowing you to fully make the most of your investment.

Frequently Asked Questions

The interest rate will remain unchanged throughout the entire duration of your ‘Fixed Saver’ term. You can count on it! The annual interest will be paid on the 30th November 2025. We’re here to make sure you get the most out of your investment!

The Fixed Saver allows you to earn a guaranteed interest rate of 4.50% AER when you keep your funds in the account for the entire 12-month term. Please note that withdrawals are not permitted during this time. If you think you might need access to your funds within the term, this may not be the best option for you.

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. For more information, please visit https://www.gov.uk/apply-tax-free-interest-on-savings

Rest assured, all our savings products are protected by the UK’s Financial Services Compensation Scheme (FSCS), guaranteeing your savings up to £85,000. Any deposits exceeding the current limit are not covered. For additional details about the FSCS, please visit www.fscs.org.uk

To open a Fixed Saver account, you’ll need to become a member of our credit union and save a minimum of £10 per month in our Regular Saver account.

Don’t worry if you’re not a member yet – you can become a member for free here.

Once you join, head back here to complete our Fixed Saver application, and our friendly support team will assist you.

To get a Fixed Saver account, simply fill out the form below. We’re here to help you every step of the way!

All our savings accounts include free life cover up to £25,000 (up to the age of 65). This means, should the worst happen, your savings could be doubled up to the first £25,000, allowing you to support your family when they need it most. 

The free life cover benefit is subject to the terms and conditions of Serve and Protect Loan Protection and Life Savings policies, arranged by CMGL and underwritten by Covea Life Ltd. Note that this protection is a benefit of membership provided at no extra cost to the member. The Credit Union is the policyholder for Loan Protection and Life Savings.

Load More

Mark Your Calendar

Our Fixed Saver is currently not available for application. But don’t worry, we’ve got you covered. Click the button below to set a reminder to apply when it’s next available! 

Add to Calendar

How 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! 

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 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

Other Products

Find out more about our other products and how they can help

Regular Saver

As the name suggests, this is an easy access savings account designed to help all our members save regularly.

Cash ISA

Maximise your savings with our Cash ISA. Enjoy the benefit of tax-free returns whilst helping supporting the community.

Prize Saver

If you want to make even more from your savings, our prize saver enables you the chance to win cash prizes every month.

Junior Saver

It’s never too soon to start saving and our junior saver enables you to save on behalf of your children / grandchildren living at your address.

Flexi Saver

We know plans can change which is why our flexi saver is ideal if you want to save additional amounts, but access your money when needed.